Ford Motor Credit commercial financing, SBA loans, equipment leasing, and Section 179 tax deductions. Everything you need to put the right truck on the road for the lowest net cost.
The most popular financing for Ford commercial trucks. Competitive rates for business buyers, often with 0% or low-APR promotions for qualifying customers. Handles both retail financing and fleet accounts.
Third-party equipment lenders specialize in commercial vehicles. Often faster approval and more flexible terms than traditional banks. Good option for newer businesses or those with complex credit profiles.
SBA 7(a) and 504 loans can finance commercial vehicles as part of business equipment purchases. Lower rates and longer terms than conventional financing. Requires more documentation and time.
Wheels, ARI, and Donlen manage commercial vehicle leases for multi-truck fleets. Lower monthly payments, tax advantages, and end-of-lease flexibility. Peoria Ford works with all major fleet lessors.
Paying cash avoids interest costs but ties up working capital. Many accountants recommend financing and investing the cash in the business — especially when Section 179 provides a large first-year deduction.
Some businesses finance commercial trucks on a business line of credit. More flexible than traditional loans but typically higher rates. Best for short-term or bridge financing.
Section 179 of the IRS tax code allows businesses to deduct the full purchase price of qualifying commercial vehicles in the year purchased — rather than depreciating over 5–7 years. For a $75,000 equipped Ford F-350, a business in the 28% tax bracket could save over $21,000 in taxes the first year.
Consulta a tu aax advisor. Section 179 limits and rules change annually. All Ford Super Duty models qualify based on GVWR exceeding 6,000 lbs.
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