BUSINESS & FLEET LEASING
Leasing a vehicle in your company’s name.
Whether it is one car titled to an LLC or a handful of vehicles for a crew, the structure is different from a personal lease — different credit review, different paperwork, and different tax treatment. We place business leases in all 50 states.
WHO THIS IS FOR
Four situations we handle most often.
A single vehicle in the business name
Sole proprietors, LLCs and S-corps putting one car or truck on the books. Usually the simplest version of this, and often approved on the business alone once it has enough history.
Several vehicles at once
Service crews, sales teams, delivery. We can place matched vehicles across multiple dealers and stagger delivery so you are not short-handed during the changeover.
A new entity with no credit file
Common, and not a dead end. It usually means a personal guarantee from an owner. We will tell you up front whether that is going to be required rather than finding out at signing.
Replacing an expiring business lease
Start 90 to 120 days out. There is often equity in the outgoing vehicle, and we will check it whether or not you get the next one from us.
WHAT IS DIFFERENT
Three things that change when the lease is commercial.
The credit review
Lenders look at time in business, entity type and revenue, not just a personal score. Some captive lenders have dedicated commercial programs with terms you cannot get as an individual.
The paperwork
Articles of organization or incorporation, an EIN, and sometimes financials. We tell you the list at the start so nothing stalls the week the car is ready.
Mileage and term
Business vehicles usually run more miles. Buying the right allowance up front is almost always cheaper than paying excess mileage at turn-in.
ON TAXES
We are not your accountant, and we will not pretend to be.
Business vehicle leases can carry real tax advantages, and the rules around deductions and Section 179 depend on how the vehicle is titled, what it weighs, and how much of its use is genuinely business use. Those are your CPA’s calls, not ours.
What we can do is structure the lease so your accountant has clean numbers to work with, and give you the documentation they will ask for.
Read our overview of the tax side
Nothing on this page is tax or legal advice. Talk to your own CPA about how a vehicle lease should be treated for your business.
Tell us what the business needs.
One vehicle or ten, in any state. We will tell you what the lenders will want and what it will cost.
