Asset-Based Lending for Transport Businesses

What structure do we offer?

two white dry van outside in a snowy yard, on a sunny winter day

Equipment LoansYou own the asset from day one. Best when you plan to keep equipment for its full working life.

two man handshaking outside in front of a red truck

Capital LeasesOwnership transfers to you at the end of the term. Different accounting treatment, similar economics to a loan.

a man wearing a blue vest holding a tablet, in a snowy trailer yard

FMV leasesPay for use, not ownership. Lower payments, and at term end you return, renew or buy at market value.

a woman with red nails, on a bench, scrolling on her macbook laptop

Lease lines of creditA pre-approved facility you draw on as you acquire. No separate approval for every unit.

Top 5 Reasons to Work with Finloc if You’re in the Road Transport Business - Edited

Vendor leases

Financing arranged through your equipment seller, so purchase and funding move together.

Sale-leasebacks

Sell equipment you already own to Finloc and lease it back. Converts fleet equity into working capital with no trucks off the road.

Which structure fits?

If you....

Consider

Plan to keep the equipment long term

Equipment loan or capital lease

Cycle equipment on a set schedule

FMV Lease

Have an expansion plan and buy often

Lease line of credit

Need working capital from owned assets

Sale-leaseback

Are buying from a dealer we work with

Vendor lease

Not sure? We'll recommend a structure rather than push a product

How does it work?

Easy online credit application

Beginning with an easy online credit application, clients typically receive a financing decision within a few hours (under $250 000) or up to 24 hours for larger amounts.

Defining the terms

After approval, Finloc assists in defining terms—fixed or variable rates, customizable payment schedules, seasonal skips, step-up/step-down options—and executes the documentation swiftly.

Funds distribution

Funds are disbursed directly to customers or vendors, enabling immediate equipment acquisition. This efficient process ensures minimal downtime so businesses can stay focused on operations and growth.

Why it makes sense to work with us

Our team averages over 45 years of experience in equipment finance, and we've financed transport equipment since 1999. We understand trailer residuals because our parent company, Manac Inc., has built them for over 60 years.
Six structures, not one product. The right answer depends on how long you'll keep the equipment, whether you want it on your balance sheet, and how much end-of-term flexibility you need.
Decisions in hours, not weeks. When a unit becomes available, waiting on a credit committee isn't an option

Equipment Financing FAQ

Frequently Asked Questions About Finloc 2000

What types of financing does Finloc 2000 offer?

Finloc 2000 offers asset-based lending (express and vendor leases, lease lines of credit, equipment loans, capital leases, FMV leases and sale-leasebacks), trailer financing, inventory (floor-plan) financing for equipment dealers, and project financing that lets businesses leverage existing assets to fund acquisitions or fleet expansion.

Who can apply for financing?

Our solutions are built for transport businesses: trucking companies, logistics operators, owner-operators and equipment dealers. Whether you are adding your first unit or expanding a large fleet, we tailor the financing to your real-world needs.

What trailer financing options are available?

For trucking companies and logistics operators, we offer split-TRAC leases, fair market value (FMV) leases and capital leases. Our team will help you choose the structure that best fits your cash flow and plans for the equipment.

How do I apply, and how quickly will I get a decision?

Start by completing our online credit application. Most clients receive a decision within a few hours for requests under $250,000, and within 24 hours for larger amounts.

Can I customize my payment schedule?

Yes. You can choose fixed or variable rates and weekly or monthly payments. Seasonal skips ("payment vacations") and step-up or step-down structures are also available to match your business cycle.

What happens after my application is approved?

We work with you to define the terms, then execute the documentation quickly. Funds are disbursed directly to you or to your vendor, so you can acquire your equipment right away with minimal downtime.

Why choose Finloc 2000 over a traditional lender?

Our team averages over 45 years of experience in equipment finance and understands the transport industry. You get fast decisions, flexible terms and exit options, and personalized financing designed to keep your equipment and your business rolling.