Business Vehicle Financing
Business Vehicle Financing & Business Car Loans
Finance or lease the cars, SUVs, pickups and vans your business runs on — titled to the business, with payments that fit your cash flow.
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Cars • SUVs • pickups • cargo & passenger vans • work trucks • new or used • single vehicles or fleets
Short answer: Business vehicle financing lets a company buy or lease cars, SUVs, pickups and vans used for business, with terms up to 60 months, financed in the business’s name. Lenders look at time in business, credit and the vehicle; established businesses can often be approved on an application only, and vehicles over 6,000 lbs GVWR used more than 50% for business may qualify for a larger Section 179 deduction.
Sales teams, contractors, home-health agencies, property managers and service companies all need reliable vehicles. Paying cash ties up working capital, and a personal auto loan puts the vehicle and the debt in your name instead of the company’s.
Liberty Capital Group arranges business vehicle loans and leases for single vehicles and growing fleets. Vehicles must be used for business; we don’t finance personal-use vehicles.
Vehicles We Finance
Business cars & SUVs
Sales, executive and service vehicles; SUVs over 6,000 lbs GVWR.
Pickups
Half-ton to heavy-duty pickups, with racks, toolboxes and upfits.
Cargo & passenger vans
Sprinter, Transit and ProMaster vans; shelving and upfits. See cargo van financing.
Work trucks
Service bodies, stake beds, box and dump trucks. See commercial truck financing.
Fleets
Multiple vehicles on one approval. See fleet truck financing.
Specialty vehicles
Mobile service, medical transport and home-health vehicles.
Business Car Loan vs Business Vehicle Lease
| Business vehicle loan / EFA | Business vehicle lease | |
|---|---|---|
| Ownership | Business owns it from day one | Lessor owns it; $1 buyout or FMV option at the end |
| Payment | Fixed | Often lower with an FMV lease |
| Mileage limits | None | FMV leases may have mileage limits |
| Taxes | Depreciation / Section 179 may apply | Payments generally deductible; $1 buyout may qualify for Section 179 |
| Best for | Vehicles you’ll keep 5+ years | Vehicles you replace every few years |
Compare in more detail: lease vs finance. Tax treatment depends on your situation; ask your CPA.
Section 179 and Business Vehicles
Vehicles used more than 50% for business can qualify for Section 179. Heavy SUVs, pickups and vans over 6,000 lbs GVWR have their own SUV limit ($32,000 for 2026), while vehicles designed only for cargo and work trucks may qualify for more. Passenger cars under 6,000 lbs have lower annual depreciation caps. See our Section 179 guide and confirm with your CPA; this is not tax advice.
How to Qualify
- Vehicle used for business and titled or leased to the business
- Many deals are approved on an application only; limits depend on credit, time in business and the vehicle, so treat them as guidance
- $0 down is reserved for businesses with 5+ years in business, established PayNet and D&B business credit and 700+ personal credit; first and last payments and fees may still apply
- Newer businesses are reviewed case by case, usually with a down payment
- Terms up to 60 months on new and used vehicles
Related Financing
- Commercial truck financing
- Cargo van financing
- Business loans for vans
- Fleet truck financing
- Home healthcare service vehicles
- Lease vs finance
Business Vehicle Financing FAQ
Can I finance a car through my business?
Yes, if the vehicle is used for business and titled or leased to the business. Lenders review the business’s credit and time in business, and owners usually sign a personal guarantee.
What credit do I need for a business car loan?
It varies by lender and vehicle. Established businesses with strong credit get the best terms; credit challenges are considered, usually with a down payment.
Can a new business get a business vehicle loan?
Yes, case by case, usually with a down payment and the owner’s personal credit and guarantee.
Should my business lease or buy a vehicle?
Buy (or take a $1 buyout lease) if you’ll keep it 5+ years; lease on FMV terms if you replace vehicles every few years or want the lowest payment.
Can I write off a business vehicle?
Business-use vehicles may qualify for depreciation or Section 179, with special limits for passenger cars and heavy SUVs. Ask your CPA.
Do you finance used business vehicles?
Yes, new and used, from dealers and private sellers, with terms up to 60 months depending on age and mileage.
Ready to Put a Vehicle to Work?
Liberty Capital Group has helped businesses get funded since 2004 — over $250 million funded.