Commercial Truck & Transportation Financing

Our Tailored Financial Solutions Can Help You Keep On Trucking

GE Capital, Americas is the industry-leader when it comes to financing for the commercial trucking industry.

Serving for-hire fleets and owner/operators, leasing companies, vocational/medium duty operators and dealers, our local sales force combines asset management and collateral expertise with unparalleled flexibility to create transportation finance programs tailored to help your company grow and thrive.

More than just financing a tractor or trailer, we have a deep understanding of latest industry and market events that impact your business. We have over 35 years experience helping transportation companies overcome business challenges in up cycles and down:

  • Cash flow and liquidity improvement
  • Balance sheet and working capital enhancement

We are a complete lender when it comes to the trucking industry’s equipment needs:

  • Heavy Duty Tractors
  • Medium Duty Trucks
  • Refuse Equipment
  • Trailers
  • Vocational Trucks

Our typical financing transactions range from 36 to 84 months and include a variety of structures, including leases and term loans to meet your unique needs. For example:

  • Leasing Options: Solutions that can enhance your liquidity, help manage cash flow:
    • True Lease or Fair Market Value (FMV) Lease
    • FMV Rebate Lease
    • Early Buy-Out Lease
    • TRAC Leases
    • Step/Skip Leases
  • Secured Loans for New or Used Equipment: Ideal for customers with long-life equipment needs, who prefer asset ownership and the associated tax benefits. 
  • Wholesale Floor Plan Financing: Our inventory finance product for dealers helps ease the capital burden of stocking the latest products your customers want to buy.
Financing for Commercial Trucking Companies

We understand your need for a reliable, value added financing source - one that knows your business, your industry, your equipment and the importance of responding quickly to opportunities.

Our floor planning website makes managing your inventory easy, with the ability to view your account information and make online payments. The site also provides access to the online document center where you can locate copies of transaction statements, bills, credit memos, credits applied, debit notes, direct debit payment advice notices and floorchecks.

Working closely with a team of credit and documentation specialists, your transportation finance representative will guide you through the financing process - from application to closing - so that you can quickly acquire equipment and keep your business running smoothly, structured in a way that works best for your business.

Solutions For Dealers

We service the entire supply chain with varied products such as dealer inventory finance, retail financing (term loans and leases), and asset based lending. We help you affordably stock the products your customers want to see, and we help your customers buy those products from you with a complete line of financing solutions. That way, we help you drive down overall cost of inventory financing while maximizing the profitability of retail business.

Our floor planning website makes managing your inventory easy, with the ability to view your account information and make online payments. The site also provides access to the online document center where you can locate copies of transaction statements, bills, credit memos, credits applied, debit notes, direct debit payment advice notices and floorchecks.

New or used, we work with you and your customers to craft retail financing solutions that make your products affordable. Our investment in technology provides for an easy online credit application with immediate credit decisions so you can seal the deal and take it off the street. Fast, online self-service document preparation means you can get the paperwork signed, the truck delivered and your dealership funded without delay.

And we continue to support your customer though the life of their financing with service that is a positive reflection of the care you provide each time a customer comes into your store.

Solutions For Refuse Companies

GE Capital is the financing leader for the transportation industry. With in-depth knowledge of the refuse market, we can provide our customers with innovative financing solutions for their non-hazardous waste collection, processing and disposal equipment.

Pre-approved lines*(PAL) are available from GE. Flexibility, efficiency and productivity are essential to a company’s growth. Often that means getting access to capital quickly to acquire the equipment you need, when you need it. A PAL provides you with:

  • Negotiation Power - Acquire assets on a “cash sale” basis as financing is in place
  • Timing - Convenient timing for both credit process and documentation
  • Speed - Fund your deals quickly with your PAL
  • Simplicity - Making draws on your PAL is easy
  • Planning - Having financing in place makes planning easier
  • Flexibility - Financing certainty gives you more flexibility

Want to learn more about Transportation Finance? Give us a call today and let us uncover some great financial strategies for you.

Ryan Edwards, National Sales Manager, 469-586-2432

*Subject to credit review and approval term, collateral and structure and the execution of mutually acceptable documentation.

Spotlight On : Fair Market Value (FMV) Rebate Lease

When you lease trucks, you don't want to have to juggle "which truck does what route" simply to balance out the leased miles.

That's why GE Capital, Transportation Finance is excited to offer the Fair Market Value (FMV) Rebate Lease. The only truck leasing product of its kind, Rebate Lease puts money back in your pocket for unused miles at the lease end, and charges lower than industry standard rates for over usage.

Now, terms and conditions apply and you can get those from a GE sales rep when you click "Contact Us," but here's a reasonable example. Under use a Sleeper Cab by 100,000 miles on a 600,000 mile FMV Rebate Lease and you'll be seeing 4¢ a mile come back to you. That's $4,000.

Picture that same example, but go over the mileage allowance by 100,000 miles. Some lessors may hand you a $7,000 bill. Our FMV Rebate Lease will save you $3,000 by applying a low 4¢/mile charge to over usage.

So FMV Rebate Lease let's you cost-effectively manage your fleet without having to manage your odometers. With more than 35 years in the industry, GE can help you with resources to assist with truck returns and other end-of-term compliance processes, including inspections, helping you to make the right decisions for your business.

Looking for Financing?

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Existing Customer Questions

Call 1-866-218-8050

or email

gecacontactus@ge.com