Capital for your fleet expansion — Cargo Van Financing
We connect independent contractors and delivery businesses with lenders who specialize in cargo van financing and equipment loans.
Soft credit inquiries do not affect your credit score.
- Sprinter chassis
- Payload capacity
- Commercial title
- Gross vehicle weight
- Fleet acquisition
- Used vehicle loan
- Amortization schedule
- Balloon payment
Commercial cargo van financing for small businesses and independent contractors
Financing options matched to your situation, in one place.
- NEW New van financing Secure prime rates for the latest model year cargo and delivery vans.
- USED Used vehicle loans Finance older models with higher mileage to reduce monthly overhead.
- LEASE Operating lease options Manage cash flow with terms structured specifically for logistics businesses.
- CREDIT Bad credit options We find lenders who prioritize business revenue over personal credit.
- $10K–$250K Available capital
- 24–48 hours Typical funding speed
- 1 soft pull Impact on credit
How the money moves.
One soft check to match. One hard pull, and only from the lender you choose. That mechanism is why this is not a broker.
Speed to funding
- Get approvals within 24 hours of document submission.
- Avoid the weeks of waiting common with traditional bank loans.
Niche expertise
- Our partners specialize in commercial vehicle assets exclusively.
- They understand why payload and utility matter more than FICO.
No-risk search
- Check your rates without a hard inquiry on your credit report.
- Keep your borrowing profile clean until you are ready to commit.
Why the usual lenders say no.
Your revenue is real. The problem is the form. Here is why traditional underwriting turns away healthy operators in this space, and what we do differently.
Personal credit score
Traditional banks often reject owners based purely on personal FICO scores.
Vehicle age limit
Commercial banks frequently decline financing for vans older than five years.
New business status
Startups often fail to meet the two-year operating history requirement.
What a funded request actually looks like.
Composite illustrative scenarios, not specific borrowers. Each is built from the kinds of requests this niche routinely sees.
Independent courier
Fleet expansion for regional delivery contract
Start-up plumbing service
Used Sprinter purchase for tools and supplies
Last-mile delivery biz
Three Ford Transit vans for seasonal surge
Owner operator
Replacing high-mileage cargo van
Commercial insurance referrals
Securing the vehicle is the first step. We connect you with commercial insurance providers who specialize in the cargo van and delivery industry.