TRAC Lease: Flexible Commercial Vehicle Financing with Lower Payments

Need commercial vehicles but want to minimize monthly payments and maximize tax benefits? A TRAC lease (Terminal Rental Adjustment Clause) gives you the flexibility of leasing with the control of ownership. Unlike traditional leases, you set the residual value upfront and can purchase your vehicles at lease-end for a predetermined price, giving you complete control over your fleet assets.

Financing That Adapts to Your Business

Customize your TRAC lease terms, payment schedule, and end-of-lease options to match your specific fleet requirements and budget

Finance Any Commercial Vehicle

Get TRAC lease financing for new or used trucks, trailers, and commercial vehicles to fit your budget and operational needs

Quick Decisions, Faster Funding

Streamlined approval process gets you behind the wheel quickly - most TRAC lease decisions within 24-48 hours

Get Approved.
Get Funded.
Get Going.

  1. Submit
    Our simplified application process is designed to be completed in just a few minutes.
  2. Approval
    Once your application is complete, it will be reviewed and you will receive an answer within 48 hours.
  3. Funding
    Upon approval, your equipment will be funded and you can start using it to help grow your business.

What is TRAC Financing?

At CEFI USA, we offer Terminal Rental Adjustment Clause (TRAC) leasing solutions designed specifically for businesses acquiring commercial vehicles like trucks and trailers. TRAC leases combine the flexibility of a lease with the financial benefits of ownership, offering lower monthly payments and potential tax advantages, all while giving you the option to purchase the equipment at lease-end.

Our team works closely with business owners to customize TRAC lease programs that align with your budget, usage, and long-term goals. Whether you're expanding your fleet or upgrading existing vehicles, we’ll help you secure the right terms to keep your business moving forward.

Business Experience

2+ Years

in business can help you qualify for better terms

Good Credit Rewarded

650+

FICO score qualifies for competitive rates and flexible terms

Business Income Guidelines

$250k+

yearly revenue shows the cash flow needed for equipment payments

Sector-Specific Solutions

Tailored

equipment financing for your industry's unique needs and requirements

Why Choose TRAC Over Traditional Leasing?

TRAC financing combines the cash flow benefits of leasing with the control advantages of ownership. You'll enjoy reduced monthly payments compared to traditional financing, while your lease payments are fully tax-deductible as business expenses. At lease-end, you have the guaranteed right to purchase your vehicles at the predetermined residual value you set initially - protecting you from market fluctuations and giving you predictable fleet costs. This flexibility makes TRAC financing ideal for businesses that need reliable commercial vehicles but want to preserve working capital, maximize tax benefits, and maintain complete operational control over their fleet.


Why Choose CEFI for Your TRAC Lease?

When you need commercial vehicle financing that works as hard as you do, CEFI delivers the speed, flexibility, and expertise that keeps your business moving forward. With over 1,445 satisfied companies and $811+ million in equipment financed, we understand what transportation and fleet businesses need to succeed.

Why businesses choose CEFI:

  • Lightning-fast approvals - Get decisions in 24-48 hours, not weeks
  • No cookie-cutter solutions - Every TRAC lease is customized to your specific needs
  • Streamlined process - Minimal paperwork and hassle-free applications
  • Relationship-focused service - Work directly with experienced financing professionals

Your Loan Questions Answered

TRAC leases are designed for commercial vehicles including trucks, trailers, construction equipment, delivery vehicles, buses, and other transportation equipment used in business operations. Both new and used vehicles typically qualify, depending on age and condition.

No, TRAC leases have no mileage restrictions. You can use your vehicles as much as your business demands without worrying about excess mileage fees that come with traditional leases.

Yes, you can modify, customize, and maintain your TRAC leased vehicles according to your business needs. This flexibility allows you to add specialized equipment, change configurations, or make improvements that enhance your operations.

TRAC lease payments are typically fully tax-deductible as business expenses. You can also depreciate the vehicle if you exercise the purchase option. This can provide significant tax advantages compared to traditional financing, especially for businesses in higher tax brackets.

You have three options: purchase the vehicle at the predetermined residual value, return the vehicle (though you're responsible for any deficiency if the actual value is less than the residual), or potentially extend the lease. Most businesses choose to purchase since they set the residual value.

As the lessee, you're responsible for all maintenance, repairs, and insurance on TRAC leased vehicles. This gives you control over service quality and timing, allowing you to maintain vehicles according to your standards and operational needs.

Yes, most TRAC leases allow early termination by paying the remaining lease payments plus the residual value. This gives you flexibility to own your vehicles sooner if your cash flow improves or business needs change.

Ready to Get Your TRAC Lease Approved?

Focus on running your business while we handle the financing details. Connect with TRAC lease specialists who understand commercial vehicle operations and can structure terms that work for your cash flow and growth plans.


Our Reviews Speak For Themselves

5 Stars

(11)

Jerry Moreira

Great Sales Team, overall a good experience. I signed all paperwork at distance (docusign) and obtained a great commercial rate (interest). Laura and her leadership was decesive in my involment with CEFI…

Lenix Reyes

Dedicated Commercial Bank. We are costumers since few years ago. Laura is a great professional and helps me to complete our goals. If you need some financial advice and financing services call CEFI.

Meta Transport

I 100% recommend this company. They helped me buy my first truck and I’m now on my 12th all because of CEFI! Five stars. I want to thank them for all their help. Especially Sergio and Alexis…