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1 (800) 876 6071
Automotive Equipment Financing
Automotive Equipment Financing
Over 3,600+ clients funded
Reliable consistent funding
Easy application process
Same day funding
Accepting a Wide Range of Credit Scores
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Fast Equipment Financing Approvals For Automotive Businesses

Financing Equipment From
Consistent & Fast Funding
Wide Credit Score Range
Easy Application Process

Automotive Equipment Financing With 1st Commercial Credit

Whether you're a business owner running an automotive franchise, a family-owned body shop, an auto repair company, or a local car dealership, you must keep up with the latest equipment and the consistent evolution of vehicle technology. Funding in the form of equipment leases and machinery loans will allow you to obtain the equipment needed to stay competitive and provide the best service to your customers. Some of the reasons to take advantage of equipment financing include:

  • Save time and taxes: depending on the type of equipment, you can be eligible for significant tax savings under the IRS Section 179 deduction. You could potentially deduct the total cost of your financed equipment from your taxes.

Equipment Finance Calculator

Type the amount to be financed here (Amount: $10,000 - $15,000,000)



What's your estimated credit rating?


Score 740

& above

Score 740 & above



670 - 739

Score 670 - 739



580 - 669

Score 580 - 669



550 - 580

Score 550 - 580

That's all the information we need!

Select a term option below to apply.

2 years

3 years

4 years

5 years

6 years

7 years

All applicants’ and their principals’ and all guarantors’ credit will be reviewed before 1st Commercial Credit offers a financing contract. The payment amounts provided by this Digital Calculator are not an offer and may be changed after the full credit review.

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We're excited to work with you!

Let's get started on your application.


Finance amount

Loan Term

Monthly payment

All applicants’ and their principals’ and all guarantors’ credit will be reviewed before 1st Commercial Credit offers a financing contract. The payment amounts provided by this Digital Calculator are not an offer and may be changed after the full credit review.

Here's what you can expect:

This application takes about 3-5 minutes to complete

Share your business information so we can do a credit check

Our credit check is a soft pull which means it won’t affect your credit rating

Upon completion, a 1st Commercial Credit representative will contact you with available options

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  • Stay up to date: you will be able to get equipment to do things like running diagnostics on new cars and access recent and updated technology.

  • Ability to free up cash flow: cash flow is crucial and a sensitive topic for any business. Keeping cash available on hand to pay for rent, payroll, and inventory is a must for business owners. Maintaining a healthy and reliable working capital will make it possible to invest in marketing and growing strategies.

  • Ability to upgrade: automotive repair equipment financing allows you to upgrade equipment without necessarily buying a new one. It also facilitates purchasing brand new equipment if that is what's needed. This will give you an advantage and get you the latest equipment to stay ahead of the competition.

1st Commercial Credit offers auto financing and leasing programs designed to help you get the new or used tools and equipment you need to run a company successfully. Our programs allow you to avoid disturbing your cash flow while giving you access to the latest technology and equipment. Buying automotive equipment is usually a one-and-done deal, but our leases will give you the flexibility to upgrade and add to your equipment to suit your needs without having to keep it at the end of the lease. This way, your business will always be on the cutting edge of the automotive sector.

Industries We Finance:

auto lift equipment financing

Why Do Business Owners Turn To Equipment Financing? 

Many businesses can't afford to buy equipment because the costs of these products are usually quite expensive. These items will be out of the budget of many smaller businesses trying to keep up with operations and demand while growing the business. In addition, even well-established companies don't want to buy an expensive piece of equipment outright because they could spend the money on other business areas. However, with equipment financing, the equipment cost is spread over time in a lease or loan, meaning the company will have some working capital left to fund payroll and invest in growth. In addition, a company will have the equipment when it is needed, rather than waiting until cash is available. This situation is ideal for business owners and buyers. 

As new opportunities arise for businesses, the need for additional equipment becomes apparent. All businesses have one thing in common; cash flow is crucial for the overall health of the operation. Financing equipment makes more sense financially even for companies with solid cash reserves because it matches cost to benefit, making cash flow predictable and justifiable. Smart business owners will let the equipment pay for itself rather than using valuable working capital or bank lines to obtain equipment.

When companies cannot afford to replace or buy equipment, they are forced to pause or halt operations, ultimately affecting growth and progress. If you are looking to purchase equipment for your automotive business, taking advantage of equipment financing will help you do it. We don't want your cash flow to restrict your business growth. This is why when companies come to us for financing, we can provide them with hassle-free equipment lease or equipment financing solutions with a fast and easy process.

Our automotive equipment loan services are available to independent and large auto companies to help your expansion plans and fulfill your equipment upgrade needs. Making an equipment investment with the right financial partner can pay for itself in the future with increased sales and new customer acquisitions.


The equipment financing process with 1st Commercial Credit involves a simple online application that can be completed in just a few minutes and a decision can be expected in a few hours. Since all businesses are different, our team will individually assess your application. Depending on the situation and the size of the loan you're applying for, our staff may contact you for additional information. Once approved, we will give you the funding for your equipment purchase at a speed your small business needs.

Equipment Financing Will Keep Your Business Running

You'll be delighted at how quickly and easily we can fund your equipment purchase compared to other forms of traditional financing. We are experts in the automotive finance industry and will explain and walk with you throughout the entire process. Get started by contacting us and applying today. There is no application fee and no obligation, and you will have a decision within a few working days.

What's The Application Process To Finance Equipment With 1stCC

Our financing application process is simple. Fill out a quick online application, and start planning all the things you will be able to do with the equipment and tools you will be able to get. 


Step 1: fill out the online application.

Step 2: our specialized team at 1stCC will contact you to discuss your situation and equipment needs. Once the right financing option is selected, an agreement is put together and signed.

Step 3: If approved, funding for equipment can be received fast!

1st Commercial Credit's financing programs for vendors involve the following steps:

In Minutes


Credit Decision
In Hours


Electronic Documents


Another Deal

Call Now 1 (800) 876 6071pre qualify now

Why Choose 1st Commercial Credit?

1st Commercial Credit is an experienced lending company with over 20 plus years in the business. We have extensive experience and have worked with almost every industry, and we understand the automobile industry's needs and challenges. Our automotive equipment leasing programs can be designed to include the tools you need as well as maintenance services for your machinery.

auto diagnostic tools equipment lease

When you choose 1st Commercial Credit as your equipment financing partner, you are choosing:

  • An experienced company that knows the automobile industry
  • Personalized and flexible lending solutions and payment options
  • A company trusted by many automobile companies
  • A quick and straightforward application and approval process
  • Our experts are always available to help and answer questions 
  • Easy, attainable, and headache-free financing

Unfortunately, cash flow issues can prevent an automobile company from making crucial and necessary upgrades such as purchasing equipment to complete projects on time. 1st Commercial Credit’s financing services can help resolve this issue. Our equipment financing programs can be used for buyers looking to get the most up-to-date equipment for their business. We also work with vendors looking to offer financing options to their customers. We will work closely with you to provide the best arrangement for your company with the utmost flexibility. 

1st Commercial Credit Provides Asset Based Lending, Purchase Order Financing and Factoring to all States: