10-year, 10% down SBA loan on commercial vehicles vs 5-yr 20% down traditional.
SBA 7(a) can finance business vehicles/fleets — including titled work trucks, box trucks, transit vans, and even RVs used commercially — with 10% down and 10-year amort at Prime + 2.75%. Compared to standard commercial auto loans (20–25% down, 60-month term, 8–10%), this dramatically improves DSCR and preserves working capital. Ideal for landscaping, mobile trades, delivery, and small trucking operations scaling their fleet.
Click Generate advisory deep dive for mechanics, IRC citations, a step-by-step execution plan, a worked numeric example on your profile, costs, risks, and this-week actions.
6,000+ lb SUV/truck — deduct nearly the full price year 1.
Dedicated fuel cards with 25¢/gal rebates, 30-day float, and no personal guarantee.
Stack app rebates + fuel card + rewards card for 40–60¢/gal off.
Owner-operators get 20–60¢/gal off diesel via fleet fuel networks — no fee.
Write off up to 100% of a business vehicle over 6,000 lb GVWR in Year 1.
Lease deducts 100% of payments; buy deducts depreciation — pick by term and use.
Lease any EV and get the full $7,500 credit — no income cap, no assembly rules.
30% of purchase price up to $4,000 on qualifying used EVs from a licensed dealer.