Small Business Auto Loans & Fleet Financing in 2026
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Business Auto Loans
Whether you need a single work vehicle or an entire fleet, a business auto loan lets you purchase vehicles under your company’s name with payments that are tax-deductible as a business expense. Rates are typically lower than personal auto loans since the vehicle serves as collateral.
Compare the best lenders for business auto loans below.
Best Lenders for Business Auto Loans
| Lender | Product | Max amount | Min. credit | Funding |
| Lendio | Marketplace | $5,000,000 | Varies | Varies |
| Bluevine | Line of credit | $250,000 | 625 | Same day |
| OnDeck | Term loan / LOC | $250,000 | 625 | Same day |
| Fundbox | Line of credit | $150,000 | 600 | Next day |
| Kabbage (Amex) | Line of credit | $150,000 | 640 | Minutes |
| SmartBiz | SBA loan | $5,000,000 | 675 | 4-8 weeks |
Business Auto Loan Options
Commercial Auto Loans
Traditional vehicle financing for business use. The vehicle is collateral. Terms of 3-7 years with rates starting around 5-8% for good credit.
Equipment Financing
Works for larger commercial vehicles like box trucks, delivery vans, and specialty vehicles. Up to 100% financing with the vehicle as collateral.
Business Line of Credit
Use a line of credit to purchase vehicles outright. More flexible but typically higher rates than secured auto financing.
Frequently Asked Questions
Can I get a business auto loan for a startup?
Equipment financing is available for newer businesses since the vehicle serves as collateral. Most lenders want at least 6-12 months in business.
Is it better to buy or lease business vehicles?
Buying builds equity and has no mileage restrictions. Leasing has lower monthly payments and lets you upgrade more frequently. Tax implications differ — consult your accountant.
Bluevine
- Line of credit up to $250,000
- As low as 7.80%
- Same-day funding
Bluevine offers revolving lines of credit with same-day draws.
OnDeck
- Loans up to $250,000
- Term loans and lines of credit
- Same-day funding
OnDeck offers same-day term loans for established businesses.
Kabbage (Amex)
- Line of credit up to $150,000
- Funding in minutes
- Low minimums
Kabbage offers the fastest business funding available.