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Let us pave the way to your next Commercial Vehicle or Equipment purchase!

Our financing experts can help you get the equipment your business needs now.  Whatever your need may be, Republic First National can help you get one step closer to running your business more efficiently and effectively.  Working with our team will be like having a personal guide walking you through the financing process every step of the way.  Commercial financing has never been simpler with our hassle-free credit process.


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With commercial lease financing you can finance equipment like:

  • Fleets
  • Tow trucks
  • Ambulances
  • Street sweepers
  • Medical equipment
  • Concrete mixers
  • Construction equipment
  • Utility trucks
  • Production machinery
  • Mowers
  • Machine tools
  • Sewer cleaners
  • Construction equipment
  • CNC machinery
  • Vehicles and much more!

We take the guess work out of commercial lease financing.  Here are some of the advantages of commercial lease purchase financing:

  • Low to no down payment, which frees up working capital
  • Up-to-date, efficient equipment that allows you to keep pace with emerging technology
  • Potential tax deductions
  • Payments that are predictable and synchronize with cash flow
  • Low, fixed-rate financing that helps you cut costs


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Commercial Lease Financing Options

$1 Buyout Lease 

This option allows you to purchase the equipment for one dollar ($1.00) at the end of the lease agreement.  With the one dollar buyout option your monthly payment would be higher than a traditional lease.  This is a preferred option for customers who intend to keep the equipment at the end of the leasing term.

$101 Buyout Lease

This option allows the Lessee the option to purchase the equipment at the end of the leasing terms for one hundred and one dollars ($101).  This option is only available for customers in CA and AZ.  With this type of lease you build equity which allows the Lessee the options to sell, trade-in, or keep the equipment.  With this agreement, sales tax is calculated on the monthly payment compared to financing the sales tax in with the cost of equipment.

Terminal Rental Adjustment (TRAC)

This option is structured to finance qualified trucks and trailers.  With TRAC leasing your monthly payments are lower than a traditional loan which is helpful to improve overall company cash flow.  When the TRAC leasing term ends you have the option to pay off the residual value and take ownership of the equipment.  You can also re-lease the equipment or simply return it back to us.

Fair Market Value (FMV)

This option is also known as an operating lease as it allows the lessee to use the equipment for a pre-arranged time period with fixed monthly payments.  At the end of the pre-arranged lease agreement the lessee has the option to purchase the equipment for its fair market value.   The Lessee also has the option to continue leasing the equipment, return the equipment, or upgrade the equipment.

We also have a commercial application only option available up to $150,000 for equipment and $300,000 for vehicles with the following terms:

  • Credit Application
  • Last three months bank statements.

Commercial financing has never been simpler with our hassle free credit process.

Download Your Commercial Credit App

2525 West State Road 114 • Rochester, IN 46975
Toll-Free: (800) 700-7878 • Phone: (574) 857-3500 • Fax: (800) 865-8517