Put another cargo van on the road without draining cash
Liberty Capital finances new and used cargo vans: Ford Transit, Ram ProMaster, Chevy Express, GMC Savana and Mercedes Sprinter, for contractors, delivery companies, plumbers, electricians, HVAC and service businesses. Loan, lease or EFA, from dealers or private sellers, nationwide.
Cargo vans for every kind of crew
Loan, lease or EFA?
| Equipment financing ($1 buyout) | Equipment lease (FMV) | Equipment finance agreement | |
|---|---|---|---|
| Ownership | You own at the end | Buy, renew or return | You own it, lender holds lien |
| Monthly payment | Moderate | Lowest | Moderate |
| Best for | Vans you will run for years | Fleets that rotate vans often | Building equity |
| Maximum term | 60 months | 60 months | 60 months |
| Off-balance-sheet | No | Possible (ask your CPA) | No |
Actual terms depend on credit, time in business, van age and mileage, and the seller.
Preserve cash and beat inflation
Cargo vans lose value every mile. Leasing is an inflation buster: the payment stays fixed while prices rise, so tomorrow’s dollars repay today’s cost. It is also cash flow management, with a low capital outlay compared with paying cash, so money stays free for drivers, fuel and marketing.
Payments are low and manageable, terms run up to 5 years, and most leases end with a $1 buyout. With the right structure you may qualify for Section 179, a potential 100% deduction in the year the van is placed in service (consult your CPA). You conserve cash for growth.
Programs for van buyers
Established businesses
- Active business entity and business license
- 600+ credit score for smaller deals; 650+ for $50K and up
- Personal guarantees from all owners
- No bankruptcies in the last 7 years; no unresolved tax liens
- Business bank account and EIN
- $0 down or no security deposit for businesses with 5+ years in business, established PayNet and D&B business credit and 700+ personal credit
Pre-revenue to 2 years in business
- 650+ credit score recommended
- Business bank account and EIN
- Down payment or security deposit may be required for lower credit
- Driving or trade experience helps
Fleet auto glass for your vans
Financing the van is step one. For contractors and service companies in California and Texas, Reyes Glass Group’s mobile fleet auto glass service repairs and replaces windshields, side and back glass on cargo vans, pickups and work trucks at your yard or job site, including ADAS camera calibration on newer vans.
From quote to keys
- Online applicationSoft inquiry to pre-qualify; lenders may hard pull at final approval
- Bank statements3–4 months to verify income, down payment funds and autopay
- Van quotePurchase order, bill of sale or dealer quote; multiple dealers OK
- FundingThe lender pays the dealer or seller directly
Cargo van financing questions
What credit score do I need to finance a cargo van?
Generally 600+ for smaller deals and 650+ for $50K and up. Startups should have 650+. Lower scores may be approved with a down payment.
Can I finance a used cargo van?
Yes, from a dealer or private seller, with terms up to 60 months depending on age and mileage.
Can I get a cargo van with $0 down?
$0 down is reserved for businesses with 5+ years in business, established PayNet and D&B business credit and 700+ personal credit. Newer businesses usually put money down.
Can I finance several vans at once?
Yes. Vans from different dealers can be combined into one finance or lease schedule with one monthly payment.
Can a startup finance a cargo van?
Yes, case-by-case. Expect a down payment or security deposit, and strong personal credit helps.
Is leasing or financing a cargo van better?
An FMV lease gives the lowest payment if you rotate vans often; a $1 buyout lease or EFA builds ownership. Ask your CPA about Section 179.
Ready to finance your next cargo van?
See what you qualify for, compare structures and pick the option that fits your cash flow. Or call (888) 511-6223.
Rates and terms disclosure: any rates, payments or terms shown are examples only. Sample rates apply to established businesses with 3 to 5+ years in business and strong credit (680+ FICO), subject to credit approval. Startup rates vary and are subject to final approval. Application-only limits vary by credit, time in business, equipment type and industry; amounts shown are guidance, not a promise. $0 down is reserved for businesses with 5+ years in business, established PayNet and D&B business credit and 700+ personal credit. This is not an offer or commitment to lend. Not tax advice; ask your CPA about Section 179.