Commercial Funding Partners is a direct lender that finances transportation and fleet equipment from $250,000 to $100M+ per project — trucks and tractors, trailers, specialized and vocational vehicles, and the shop and terminal equipment that keeps a fleet running. We fund these transactions directly, so a single truck purchase or a network-wide fleet refresh clears in one underwriting pass, not a broker’s relay. New or used, single units to whole fleets, nationwide.
Transportation equipment we finance
A fleet is a consumable that looks like an asset — duty cycles wear vehicles on a schedule you can predict, which makes them ideal to finance with replacement built into the cycle. We structure leases and loans across the operation:
- Class 8 tractors, day cabs, and sleepers
- Vocational and specialized trucks: dump, mixer, refuse, vacuum, and utility
- Dry van, reefer, flatbed, tanker, and specialized trailers
- Construction and heavy-haul transport, including Komatsu dump-truck fleets
- Waste and recycling fleets and equipment
- Yard trucks, terminal tractors, and logistics handling equipment
- Telematics, shop, and maintenance equipment
- Used and reconditioned vehicles, new builds, and mixed fleets
Single trucks through full fleets — including upfit, freight, and the soft costs that come with putting a vehicle into service.
Financing structures for fleets
Fleets refresh on a cycle, so the financing should plan for it instead of fighting it in next year’s capex round. We match the structure to the vehicle and the duty cycle:
- Equipment financing for new and used vehicle acquisitions you intend to keep
- Operating and FMV leases with terms aligned to duty hours and replacement schedules
- Capital and tax leases matched to your accounting and tax position
- Master lines with per-vehicle schedules that fund a rollout truck by truck under one credit approval
- Sale-leasebacks that pull working capital out of trucks and trailers you already own
When the job is replacing aging units before they cost more in downtime than payments, a structured fleet program does it on schedule — the approach behind our $4M aging-fleet upgrade, $4M of waste-equipment financing modernizing aging fleets, and the acquisition of used trucks under a single schedule.
Why a direct lender matters for fleets
Trucks come available on a dealer’s timeline, not a lender network’s. A broker shopping your file can cost you the units — and the lane. CFP reviews the fleet once, in-house, and funds it directly, which is what let us close transactions like $2.3M of transportation and warehouse infrastructure financing and the Komatsu dump-truck deal above. One credit approval can cover many vehicles and delivery dates, so the financing keeps pace with how fleets actually get built.
Deal size and timing
Our lane is $250,000 to $100M+ per project — from a multi-truck acquisition to a network-wide fleet program. Small-ticket lenders handle one truck at a time; CFP funds the whole fleet under one structure. That capacity is what makes a planned, multi-year refresh possible instead of a series of one-off loans.
Fleet timing follows the dealer and the units, not the lender. Because we underwrite in-house, a fleet deal can move when the trucks are available — one approval covering many units and delivery dates. Speed depends on the structure and documentation, not on a broker relaying your file across a network while the units sell to someone else.
Recently funded fleet transactions
We publish what we fund. These documented transportation transactions show the structures above in practice:
- $6.5M of Komatsu dump-truck financing in Ohio
- $4M of waste-equipment financing modernizing aging fleets
- $15.2M of various structures for a company acquiring trucks and trailers
- $4M to upgrade an aging fleet
- A complete trucking-fleet upgrade
Browse the full funded-transactions index for the complete record of how CFP structures fleet deals.
Who we serve
We finance established carriers and fleets: for-hire and private trucking, logistics and 3PL operators, construction and heavy-haul fleets, waste and recycling haulers, and the dealers who supply them through vendor financing programs. Our lane is companies with real operating history running fleets that need to grow, modernize, or replace aging units — see our broader transportation industry practice.
What to have ready
A fleet transaction moves faster when the units and the operation are documented. The pieces that matter are the vehicle list with VINs or dealer quotes and upfit specs, recent financials for the carrier, the operating authority and safety profile where relevant, and any existing trucks or trailers that could anchor a sale-leaseback. For a multi-unit rollout, a delivery schedule lets us fund each vehicle as it comes online under one approval. The clearer the duty cycle and replacement plan, the easier it is to set terms that match how the fleet actually earns and wears. Bring the fleet; we will fit the financing to the cycle.
Transportation equipment financing FAQs
Do you finance used trucks and trailers?
Yes. Used and reconditioned vehicles underwrite well when the operator’s history and the equipment support them. CFP finances new, used, and mixed fleets from $250,000 to $100M+ per project.
How do you handle a multi-vehicle fleet rollout?
A master line with per-vehicle schedules funds each truck or trailer as it is delivered — one credit approval covering many units and delivery dates, so financing keeps pace with the fleet build.
Can a sale-leaseback free up cash from my existing fleet?
Yes. A sale-leaseback on trucks and trailers you already own converts that equity into working capital while you keep operating the vehicles, which is useful ahead of a growth phase or a large new contract.
Are you a broker or a direct lender?
A direct lender. CFP structures and funds transportation transactions itself, backed by institutional funding relationships — no broker hand-off and no third party at closing.
Fleet additions placed in service by year-end may qualify for Section 179 — check the deduction math first.
Refreshing or growing a fleet? Call (801) 545-4000 or request a quote — and browse the complete funded-transactions index to see how CFP structures fleet deals in practice.