Commercial Vehicle Loans & Leasing Solutions for Business and Fleet Owners
Looking to purchase or upgrade your commercial vehicles? TopMark Funding® provides flexible commercial vehicle financing solutions for Sprinter vans, cargo vans, box trucks, and delivery vehicles. Whether you run a delivery fleet, logistics company, contracting business, or mobile service operation, we make it easy to secure the funding you need to expand your fleet, manage cash flow, and keep your business on the move.
$700 MM +
Equipment Funded By TopMark Funding
100 +
Expert Team Members Ready to Help
11.5K +
Businesses Funded & Growing!
50 +
Funding Programs to Meet Your Needs
Fast Approvals, Competitive Rates, and Programs for All Commercial Vehicle Types
Commercial Vehicle Financing Programs for Delivery, Logistics & Service Businesses
TopMark Funding® provides financing for a wide range of commercial vehicles used across industries like delivery, logistics, construction, and skilled trades. We help businesses finance cargo vans, Sprinter vans, box trucks, flatbeds, service trucks, and utility vehicles from all major manufacturers. Our programs also cover HVAC, plumbing, electrical, and mobile service vans, as well as passenger transport and specialty vehicles such as shuttles and food trucks.
Our fast approvals, competitive rates, and no hard credit inquiries make it easy to get pre-approved in minutes and drive away with confidence. Whether you’re buying new or used equipment from a dealer or private seller, we’ll match you with a financing program that fits your budget, business goals, and cash flow.
Get pre-approved in minutes. Guaranteed no hard inquiries. 100% no negative impact on your personal or business credit.
When you’re pre-approved by TopMark Funding, your pre-approval is good for 60 days. No additional credit checks.
Commercial vehicle financing made easy! We’ve created a quick and easy approval process and super-fast funding!
#1 rated commercial vehicle financing company by drivers like you. Client satisfaction is our top priority! Your success is our success.
We have a great commercial vehicle financing program for startups with great credit. No money down, flexible terms, and great rates
We specialize in commercial vehicle financing. It’s what we do! We can finance any make or model of Sprinter, cargo van, box truck, and more.
Trusted By Business Owners Like You
Real Customers. Real Growth. Real Reviews.
At TopMark Funding your satisfaction is our top priority. With decades of commercial vehicle experience, we know how important it is to deliver a great customer experience. Check out our reviews from our amazing customers.
Types of Commercial Vehicle Financing Options
Flexible Programs Built Around Your Business Needs
Choosing the right commercial vehicle financing program can make a big difference in your monthly payments, tax advantages, and overall profitability. At TopMark Funding®, we offer several financing solutions designed to fit your business goals — whether you’re an owner-operator, a fleet owner, or a delivery company expanding your fleet.
Equipment Finance Agreement (EFA)
Own Your Commercial Vehicles with Fixed Payments and Full Control
An Equipment Finance Agreement (EFA) combines the ownership benefits of a loan with the flexibility of a lease. You make fixed payments and own the vehicle after the final payment — no large buyout required.
EFAs are popular among owner-operators and fleet owners who want predictable costs, simple terms, and the ability to claim interest and depreciation deductions for their business. With fast approvals and no hard credit inquiries, TopMark Funding makes EFAs a smart, simple choice for long-term ownership.
With TopMark Funding, owning your vehicle is easier than ever — get pre-approved in minutes
Commercial Vehicle Leases
Leasing Made Simple—Flexible, Affordable, and Hassle-Free
A commercial vehicle lease offers a lower upfront cost and often a lower monthly payment compared to a traditional vehicle loan. Leasing is ideal if you want to upgrade your vehicle every few years or keep newer equipment in your fleet without the long-term ownership costs.
TopMark Funding offers multiple lease structures, including FMV leases and TRAC leases, giving you flexibility, mileage options, and potential tax benefits while preserving cash flow.
Keep your business rolling with flexible lease terms, low upfront costs, and fast approvals — get pre-approved today and upgrade your vehicle with confidence.
Commercial Vehicle Loans
Own Your Vehicle and Build Long-Term Equity with Every Payment
A commercial vehicle loan is the best option if you want to own your vehicle outright once your payments are complete. With fixed monthly payments and flexible terms, TopMark Funding makes it easy to finance a new or used vehicle through dealerships or private sellers.
You’ll build equity over time and may qualify for tax deductions on depreciation and interest. Our team helps you find competitive rates and quick approvals — so you can get on the road and start earning faster.
Take the wheel of your business success — get pre-approved for a vehicle loan today and start building equity in your equipment.
Our Simple 4-Step Commercial Vehicle Financing Process
We’ve streamlined vehicle financing so you can get approved quickly and start earning revenue with your new vehicle.
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Step 1: Get Pre-Approved
Complete our quick and easy online application or call (866) 627-6644. We’ll ask about your business, credit situation, and the vehicle you need. We use only a soft credit inquiry that has zero impact on your credit score – guaranteed.
⏱ Application 2-5 minutes | 💳 Zero credit impact | 📱 Online or phone
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Step 2: Speak With Your Account Executive
A dedicated financing specialist reviews your application and contacts you within a few hours or less. They’ll discuss your financing options (EFA, lease, loan), provide rate ranges, and answer questions. Your pre-approval is valid for up to 60 days with no additional credit checks.
⏱ Fast response time | ✓ 60-day pre-approval | 👤 Dedicated support
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Step 3: Find Your Vehicle and Submit Documents
Shop for up to 60 days at any dealership or private seller. When you find your vehicle, submit the required documents (we may not need all of these depending on the program you qualify for): tax returns, bank statements, driver’s license, insurance, etc… Your account executive will guide you through exactly what’s needed.
🤏 Minimal documents | 🚛 Any dealer/seller | 📤 Electronic submission
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Step 4: Sign and Get Funded
Review your financing contract with all terms clearly disclosed. Sign electronically, and we’ll fund your equipment as soon as possible! We coordinate payment directly with your dealer or seller so you can hit the road fast.
⏱ Fast funding | 📝 E-signature accepted | 🎯 Quick & easy process
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Why Choose TopMark Funding?
✅ Soft credit inquiry only (no impact to credit score)
✅ 60-day pre-approval window (not 30 days like competitors)
✅ Finance from any dealer or private seller nationwide
✅ Pre-approval up to $250k for qualified applicants
✅ Dedicated specialist (not a call center)
✅ Fast funding after signed documents
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Get Pre-Approved Today!
Start your commercial vehicle financing with zero credit impact. Know what you qualify for before you shop.
Get Pre-Approved Now or Call: (866) 627-6644
Pre-approval valid for up to 60 days | Application takes 5 minutes or less | No hard inquiries guaranteed
Trusted by Business Owners Nationwide
Real Reviews from Owner-Operators and Fleet Owners Just Like You
At TopMark Funding your satisfaction is our top priority. With decades of commercial vehicle experience, we know how important it is to deliver a great customer experience. Check out our reviews from our amazing customers.
Frequently Asked Questions About Commercial Vehicle Financing
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How does commercial vehicle financing work?
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What types of commercial vehicles can I finance?
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What credit score do I need for commercial vehicle financing?
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Can I finance both new and used commercial vehicles?
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How fast can I get approved for commercial vehicle financing?
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Do you offer financing for startups or small businesses?
Glossary of Commercial Vehicle Financing Terms
Understanding the terms used in commercial vehicle financing helps you make smarter, more confident decisions when purchasing or leasing your next vehicle. Whether you manage a delivery fleet, logistics company, or service business, this glossary defines the most common terms in the truck, van, and equipment financing industry. From Equipment Finance Agreements (EFAs) to TRAC and FMV leases, this quick reference guide will help you navigate the financing process with confidence and choose the best option for your business.
Owner-Operator
An independent driver or small business owner who operates their own delivery van, box truck, or service vehicle.
App-Only Financing
A fast-approval financing program based solely on a credit application, without requiring tax returns or financial statements. Ideal for established businesses with good credit.
Buyout Option
The ability for the lessee to purchase the vehicle at the end of the lease term for a set amount or fair market value.
Commercial Vehicle Loan
A financing agreement used to purchase or refinance business-use vehicles like cargo vans, box trucks, or delivery vans. Ownership transfers to the borrower once all payments are made.
Down Payment
The initial amount paid upfront when financing a vehicle. Depending on credit and program, down payments may range from 0% to 40+%.
EFA (Equipment Finance Agreement)
A loan-style financing agreement where the borrower makes fixed payments and owns the vehicle after the final payment. Often offers tax advantages for business owners.
FMV Lease (Fair Market Value Lease)
A lease structure that lets the lessee buy the vehicle at fair market value at the end of the term or return it with no obligation.
Fleet Financing
Funding for businesses purchasing multiple vehicles under one account, often with flexible terms and consolidated billing.
Lease Buyout
The process of purchasing a leased vehicle early or at the end of the lease based on the residual value.
No Hard Credit Inquiry
A soft credit pull that allows pre-approval without impacting your personal or business credit score.
Residual Value
The estimated value of a leased vehicle at the end of the lease term, used to calculate buyout prices and monthly payments.
Startup Program
A financing option designed for new businesses or first-time buyers with limited time in business. May require strong credit or a qualified co-signer.
TRAC Lease (Terminal Rental Adjustment Clause)
A flexible lease option that offers mileage freedom and potential tax advantages, commonly used for commercial fleets.
Used Vehicle Financing
Financing programs for pre-owned commercial vehicles, often with flexible terms based on vehicle condition and age.
Zero-Down Financing
A program that allows qualified buyers to finance a vehicle with no down payment, helping preserve business cash flow.
Light-Duty Commercial Vehicle
A smaller work vehicle such as a cargo van, pickup, or service truck used for deliveries, contracting, or mobile services.
Get the Commercial Vehicle Financing You Need – Fast, Simple, and Hassle-Free
At TopMark Funding®, we make it easy for owner-operators, fleets, and trucking companies to get the financing they need to grow. Fast approvals, flexible programs, and no hard credit inquiries — because getting your next truck shouldn’t slow you down.