New & Used Truck and Specialty Vehicle Financing for Small Businesses. Done Right.

Yes. Crest Capital finances new and used trucks from any seller, dealership or private party, with the title in your company’s name. There are no age restrictions on used trucks: while most competitors finance new vehicles only, or restrict financing to five model-years or newer, Crest Capital will consider virtually any age, make, or model vehicle, from any seller. If you find the right business vehicle from a private seller, go ahead and shake hands. We provide the financing. Purchases like this are sometimes called user-to-user or private-party financing; many lenders avoid them, and Crest Capital specializes in them.

Yes. Crest Capital’s titled vehicle programs put the title in your company’s name. With a TVA (Titled Vehicle Finance Agreement), you own the vehicle and we release our security interest at the end of the finance term, with no blanket liens or compensating balances like a typical bank loan.

Nearly every titled vehicle a business runs. That includes specialized vehicles such as ambulances, hearses, fire trucks, cranes, boom trucks, drill rigs, and concrete mixing trucks; service and utility vehicles such as dump trucks, garbage trucks, tow trucks, bucket trucks, service trucks, sweeper trucks, septic trucks, and water trucks; light cargo vehicles from pickup trucks and cargo vans to box trucks; utility and equipment trailers; buses and shuttles; and tractor trailers for your company’s internal fleet, like a grower hauling its own product to market. We do not finance “for hire” vehicles (Uber, Lyft, taxis and similar), or owner/operator and transportation company tractor trailers.

Crest Capital finances vehicles for business use, in your company’s name. Passenger cars are about the only vehicles we do not finance, with one exception: our Company Cars & SUVs program finances business-use cars and SUVs in your company name. Note that this new program has elevated credit requirements. We also do not finance “for hire” vehicles such as Uber, Lyft, and taxis.

Crest Capital vehicle financing is Section 179 friendly. Financed vehicles may qualify for the Section 179 deduction, provided they meet Section 179 requirements and are placed in service during the tax year. Use the Section 179 calculator to estimate savings.

Crest Capital has two basic vehicle financing agreements. A TVA (Titled Vehicle Finance Agreement) is essentially a loan with a fixed monthly payment that does not fluctuate with increases in like-term Treasury Rates: you own the vehicle, and we release our security interest at the end of the finance term. A TRAC Lease (Terminal Rental Adjustment Clause) provides a guaranteed purchase price for titled vehicles and/or trailers at the end of the lease term and complies with true lease requirements according to IRS rules: at the end of the term you may purchase the vehicle for a fixed price or sell it to a third party. Both leave blanket liens and compensating balances out of it.