Built for Business
From single-truck purchases to complete fleet acquisitions, Ford Pro FinSimple delivers financing solutions designed specifically for commercial operators. Flexible terms, competitive rates, and same-day approvals for qualified Arizona businesses.
Whether you prefer ownership, flexibility, or preserving capital, we have a financing structure that matches your business strategy.
Understanding the key differences helps you choose the right option for your business.
| Feature | Commercial Loan | TRAC Lease | Operating Lease | Fleet LOC |
|---|---|---|---|---|
| Monthly Payment | Higher | Moderate | Lowest | Varies |
| Ownership at End | Yes - Automatic | Optional Purchase | Optional at FMV | Yes - Automatic |
| Equity Building | Yes | Possible | No | Yes |
| Balance Sheet Treatment | Asset + Liability | Typically On-Balance | Often Off-Balance | Asset + Liability |
| Mileage Limits | None | Typically None | Yes | None |
| Modification Freedom | Full | Full | Limited | Full |
| Section 179 Eligible | Yes | Varies | No | Yes |
| Best For | Long-term ownership | Commercial fleets | Fleet refresh cycles | Growing fleets |
From application to keys in hand, we streamline commercial financing.
Complete our streamlined commercial credit application. Basic business information and intended use gets the process started.
Our commercial finance team works with Ford Credit and alternative lenders to secure approval and competitive rates.
Choose your financing structure, term length, down payment, and any add-ons like maintenance packages or GAP coverage.
Electronic document signing available. Take delivery at our dealership or we'll deliver to your Arizona business location.
Commercial trucks rarely hit the job site without modification. Service bodies, dump beds, cranes, refrigeration units, and specialized equipment transform base chassis into purpose-built work machines. Ford Pro FinSimple allows you to finance the complete package—truck and upfit together—in a single transaction.
Rolling upfit costs into your vehicle financing provides several advantages:
Peoria Ford maintains relationships with Arizona's leading upfitters, enabling turnkey delivery of your completely equipped commercial truck.
The Section 179 deduction allows businesses to deduct the full purchase price of qualifying equipment—including commercial vehicles—in the year of purchase rather than depreciating over time. For Arizona businesses investing in commercial trucks, this can mean substantial first-year tax savings.
Key points for commercial truck buyers:
Consult your tax advisor for specific guidance on how Section 179 applies to your business situation. Peoria Ford's commercial team can provide vehicle specifications and documentation needed for tax purposes.
Businesses operating multiple commercial vehicles require more than transactional financing—they need a strategic partner who understands fleet operations. Peoria Ford's commercial fleet program provides dedicated account management for qualifying businesses.
Fleet account benefits include:
Fleet programs are available for businesses purchasing or leasing three or more commercial vehicles annually.
Use our commercial payment calculator to estimate monthly costs based on vehicle price, down payment, and term length. Get a quick sense of what fits your budget before applying.
Calculate Payment →Common questions about commercial truck financing.
Commercial vehicle financing evaluates multiple factors beyond personal credit scores. While personal credit history matters, we also consider business credit, time in business, cash flow, and industry experience. Established businesses with strong cash flow often qualify even with imperfect personal credit. New businesses may need stronger personal credit or additional documentation. Contact our commercial team for a confidential credit assessment.
Yes. Ford Credit and our alternative lending partners offer financing for qualified used commercial vehicles. Terms and rates depend on vehicle age, mileage, and condition. Certified Pre-Owned Ford commercial vehicles often qualify for more favorable terms. Used vehicle financing typically features shorter maximum terms than new vehicle loans.
Most commercial credit decisions arrive within 24 hours of completed application. Simple deals with established businesses often receive same-day approval. Complex situations requiring additional documentation or alternative lending sources may take 2-3 business days. Our commercial team keeps you informed throughout the process.
Basic applications require: business name and tax ID, time in business, annual revenue, and personal information for business owners. Depending on business type and loan amount, additional documentation may include: business tax returns (1-2 years), business bank statements, financial statements, and articles of incorporation or organization. Our commercial team guides you through specific requirements based on your situation.
Yes. Ford Pro offers prepaid maintenance packages that can be included in your financing. These packages cover scheduled maintenance at predetermined intervals, providing predictable costs and ensuring your truck receives factory-recommended service. Maintenance inclusion is available with most financing structures.
Early lease termination options vary by lease type and remaining term. TRAC leases typically allow purchase at any time based on the scheduled depreciation. Operating leases may have early termination fees. In many cases, we can structure a trade that minimizes or eliminates early termination costs by rolling equity into a new vehicle. Contact our commercial team to discuss your specific situation.
While Peoria Ford primarily serves Arizona businesses, we can arrange financing and delivery for qualified businesses in neighboring states. Title, registration, and tax implications vary by state. Contact our commercial team to discuss your specific situation and delivery options.
Contact Peoria Ford's commercial financing team for personalized rate quotes and pre-approval.