How to get commercial truck financing?

Do you think getting a commercial vehicle without finance or fund is difficult? Look no further. There are different options for you to choose from. But before you look into all of the truck financing options we can give you, think about what vehicle you want to buy and what the amount of money is you want and need to spend on it. Keep in mind the following things:

  • A new truck will suffer badly from depreciation. Therefore a second hand truck can be a better option.
  • Consider what you need from a truck, buy a truck that suits your requirements and nothing more.
  • Let somebody who knows the truck business advise you about transportation options. It could be cost-efficient to buy a truck in the Netherlands and transport it to you.

Get a financer to get a new truck,

A commercial truck is valuable collateral and therefore represents a relatively sound investment. Therefore a lender, especially those who specialize in commercial truck financing, is almost always willing to lend you money.  Even in today’s financial climate. If you have a good credit rating, you will be able to obtain financing a little bit easier. Therefore make sure you get the best interest rates when getting to finance the truck. But when you do not have good credit rating it is not impossible to get financing as well.  Leasing would be a good option!

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Financial Lease your truck.

When you lease a vehicle with the financial lease construction you have many benefits! You can get up to a 100% financing in some cases and next to that you have potential tax advantages. With Financial Lease you do not need to use your own funds and this kind of truck funding is separate from your other business financing. Financial lease actually means that you become the owner of the truck from the first term you pay. Take a look at this example: A € 30.000 truck will cost you € 30.000 if you want to pay it all at once. Or it will cost you approximately €425 a month and you still own the vehicle from the beginning!

Learn more about financial lease

Pay with a letter of credit (LC) for your truck

A letter of credit is essentially a promissory note from your bank. It is a short term debt funding for the truck you want to buy and it will tell us that we can trust you and we will do good business together. The bank will pay us for the goods, on condition that we and you present to the bank the determined documents in line with the terms of the letter of credit.  With the letter of credit you can avoid or reduce prepayment if necessary.   Just ask one of our salesmen if an LC is an option for you.

Learn more about how to get a letter of credit
Advantages of leasing a vehicle
Tax depreciation
Determine the duration yourself
Low interest rate
Investment deduction
No claim on your liquidity
Even lower lease amount possible due to final term deposit or vehicle trade in.

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