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Embark Capital Solutions
Financing Services
Equipment Leasing
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Truck Financing
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Embark Capital Solutions

Types of Financing

Truck Financing Program

Get the working trucks you need to keep your business moving!

A and B Credits

Our truck financing program is fast and convenient for A and B credits. Pricing for leases are always risk-based, but generally we can arrange offers with rates in the single-digits for strong credits and in the teens for impaired credits. Term lengths usually range from 24 to 60 months depending on the characteristics of the deal. Applicants with challenged credits may be asked to offer additional security in the form of a deposit or additional collateral.

Credit Guidelines:

  • Transactions starting at $20,000
  • Minimum FICO score of 660
  • Minimum time-in-business of two years
  • Personal Guarantor required (unless company has very strong financials)
  • Minimum bank balance of $10,000
  • Minimum net worth of business owners, including real estate, of $100,000
  • No bankruptcies or major derogatory items such as a repossession, foreclosure or open lien
  • 2007 or newer with fewer than 500,000 miles
  • Within the forty-eight continental states
  • Owner/Operators and sole-proprietors welcome

C and D Credits

Life happens, and circumstances sometime have an unfortunate impact of your credit. We specialize in helping business owners recover from these circumstances by offering leases based either on successful business results and new opportunities, or through the use of additional collateral as security. While these rates are higher due to the increased risk, they provide a path back to an improved credit rating. Older equipment and private sales starting at $10,000 are OK.

Financially Based Criteria

Collateral Based Criteria

  • Any Credit Score
  • Past Bankruptcy OK
  • Past Liens and Judgements OK
  • Annual Revenue at Least $350K
  • 6+ Employees (Preferred)
  • 12 - 48 Month Terms
  • 10% - 15% Refundable Security Deposit
  • Any Credit Score
  • Past Bankruptcy OK
  • Past Liens and Judgements OK
  • Owner / Operators OK
  • Additional Collateral Value Equal to Lease Amount
  • Home Ownership Required for Leases Over $40,000
  • 12 - 60 Month Terms

If you need a truck for your business, call us or click here to send us an inquiry and one of our finance professionals will contact you.