Commercial Truck Financing Solutions
As Liberty Capital Group, Inc. commemorates its 20th anniversary, it symbolizes two decades dedicated to empowering businesses with innovative financing solutions. Evolving from its origins as a commercial truck financing broker, Liberty Capital Group now offers a diverse range of loan types, including crucial fast cash working capital a necessity for business survival.
Commercial Truck Leasing & Financing — Built for Real-World Operators
Liberty Capital Group, Inc. is celebrating two decades of getting trucks on the road and keeping cash flow intact. From our roots as a commercial truck financing broker to a full-suite lender/broker offering working capital, equipment loans, and fleet leasing, we finance growth—with practical terms and straight talk.
Commercial Truck Financing Program
The program serves transportation companies, local delivery fleets, and independent operators expanding into last-mile delivery—including drivers on Uber, Walmart Spark, and DoorDash. We finance box trucks, lift trucks, reefers, bucket/boom/crane trucks, tow trucks, garbage trucks, cargo vans, tractors, and dry van trailers—new or used.
Why Trucks Matter in 2025
Last-mile delivery is booming in major metros like Honolulu, New York, and San Francisco. Younger consumers value convenience, pushing demand for delivery capacity. Smart operators avoid large upfront cash drains by financing or leasing the right unit for the route—keeping working capital free for payroll, fuel, and growth.
Cashflow First, Ownership When It Counts
- Preserve cash with predictable monthly payments.
- Choose $1 buyout, EFA (Equipment Finance Agreement), or FMV structures.
- Leverage Section 179 (consult your CPA) and depreciation benefits.
Key Features & Special Programs
| Feature | What It Means | Who It Helps |
|---|---|---|
| Fast Approvals | Streamlined file review so you can take delivery quickly. | Time-sensitive routes & seasonal spikes |
| Flexible Payments | Fixed or variable; terms from 12 to 72 months. | Businesses prioritizing cashflow stability |
| New & Used OK | Finance dealer or private-party with acceptable docs. | Owner-operators, fleet refresh |
| $0 Down Options | Qualified borrowers can conserve working capital. | Growth phase or tight cash windows |
| Promo Plans | $99 for first 6 months, 90-day deferral, $0 buyout, no prepayment penalty (where available). | Launch & ramp-up periods |
| Up to $5,000,000 | Larger fleets approved with financial statements. | Regional carriers & national fleets |
Fleet Leasing Solutions
- Cost Savings: Conserve capital; pay for use, not ownership.
- Maintenance Packages: Reduce downtime with predictable upkeep.
- Upgrade Flexibility: Stay current with technology at term end.
- Balance Sheet: Build assets with $1 buyout or keep it light with FMV.
- Cashflow: Match payments to revenue cycles.
Tailored to Your Operation
One truck or a fleet refresh—we build the structure around your routes, fuel profile, and maintenance capacity. We also finance allied assets: lift trucks, cranes, service bodies, reefers, generators, and more.
Should You Rent, Lease, or Finance?
| Option | Best For | Pros | Cons |
|---|---|---|---|
| Rent | Short-term / seasonal spikes | No long commitment; latest equipment; minimal maintenance burden | No equity; higher long-run cost; strict usage terms |
| Lease (FMV or $1 Buyout) | Thin margins, fast growth, tech turnover | Lower monthly payments; tax deductibility potential; easy upgrades | FMV buyout surprises; mileage/condition clauses |
| Finance / EFA | Ownership, asset building, long-term use | Depreciation benefits; no return; full customization | Higher down & monthly vs FMV lease; maintenance on you |
How to Decide
- How long do you need the unit?
- Route type & utilization (local vs long-haul)?
- Tax situation & depreciation strategy?
- Cashflow stability & maintenance capacity?
- Credit strength & time in business?
Current Promotions
| Program | Highlights | Typical Term |
|---|---|---|
| $99 for the First 6 Months | $99 to start; ideal for ramp-up periods | Varies (ask rep) |
| 90-Day Deferred Payments | Preserve cash while onboarding contracts | 12–72 months |
| $0 Down Equipment Financing | Qualified borrowers; conserve working capital | 12–72 months |
| No Prepayment Penalty* | Pay off early without fees (where available) | Varies |
*Some leases are non-cancellable and may not offer prepayment benefits. Always review your agreement.
Eligibility Snapshot
- Startups OK with good credit.
- Bad credit may qualify with 2+ years in business.
- Strong bank statements & contract pipeline help.
What to Submit
- Online Application
- Invoice / Bill of Sale
- Recent Bank Statements
Read the Lease Before You Sign
Most truck financing problems are not rate problems — they are paperwork problems. The salesperson says “dollar buyout” and the contract says FMV. Check every one of these before you sign anything:
- Payment terms: the exact monthly amount, the due date, and the number of payments. Get the total cost in writing.
- Interim rent: some lessors charge rent between the delivery/acceptance date and the first regular billing date. Ask whether it applies and how much.
- Maintenance and repairs: on a finance agreement, maintenance is yours unless a warranty or service package is written into the contract. Know who pays when the truck goes down.
- End-of-lease options: $1 buyout, $101 buyout (required in some states, Florida among them), fair-market-value purchase, renew, or return. A $1 buyout and an FMV lease are very different deals with very different total costs.
- Early termination: there may be no penalty for paying early, but you are still liable for the remaining balance on most equipment finance agreements. Ask how a payoff is calculated.
- Advance payments and deposits: first and last payment, a security deposit, or a down payment may be required up front. Start-ups should expect a down payment of up to 40%; weaker credit files that still qualify will usually be asked for one as well.
Not sure what you are looking at? Send us the contract before you sign it. We read these every day and will tell you plainly whether it is a good deal.
Truck Lifecycles & Budgeting
With regular upkeep, small box/short-haul trucks can exceed 100,000 miles; day cabs and sleepers often run 45,000+ miles/year. New box trucks range ~ $30,000–$61,000 (reefer higher). New Class-8 tractors commonly $80,000–$150,000+.
Also Finance with Liberty
Transportation
- Commercial Truck Financing
- Fleet Truck Leasing
- Reefer & Trailer Financing
- Cargo Van Financing
Trades & Contractors
- Subcontractor Funding
- Plumbers • Electricians
- Roofers • Pavers
- HVAC • Landscapers
Medical & Healthcare
- Imaging (CT, MRI, X-Ray)
- Ultrasound • Endoscopy
- Optometry • Pharmacy
- Veterinary • Home Health
Restaurants & More
- Kitchen Equipment
- Food Trucks
- POS & Tech
- Working Capital
Financing Types
- Equipment Finance Agreement (EFA)
- Capital Lease – $1 Buyout
- FMV Lease / 10% Option
- Sale-Leaseback
- Business Term Loans
- Revenue-Based Working Capital
- Business Lines of Credit
Why Operators Choose Liberty
- No financials up to $250,000
- 120% equipment cost financing options
- Next-day approvals
- Competitive fixed payments
- No prepayment penalties (where applicable)
Vendors & Dealers
Are you an equipment dealer or vendor? Offer $0 down and 90-day no-pay to your customers.
Vendor Program Sign-UpNotes: Industry stats and vehicle price ranges are illustrative and may vary by source, region, and time. Consult ATA/BLS or current OEM data for updated figures. Tax topics are general information; consult your CPA for advice.
