Fleet Financing from 5.24% APR
Exclusive rates for established fleets. See our recent approvals below.
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What Our Clients Say
"I've worked with Brobas for a long time. They provided financing with a minimal down payment, which was crucial for me. Since then, I've grown with them and plan to open a fourth location."
Nikola T.
Fleet Owner
"The first day after submitting documents, they gave me a full breakdown of my situation and explained the strategy. I got a great offer, and now the truck works for me — not the other way around."
Oleh O.
Owner-Operator
"Brobas has great relationships with banks. The monthly payment they offered was comparable, if not lower, than equipment financing. You won't get the same terms walking into a street bank."
Natalya P.
Business Owner
Brobas Capital Partners specializes in securing the lowest possible rates for established fleet operators. Our lender network of 500+ institutions competes for your business, driving rates as low as 5.24% APR for qualified borrowers. Below are real examples of recent fleet financing approvals — no gimmicks, no bait-and-switch. These are the rates our clients are actually getting funded at today.
Why Choose Brobas for Fleet Financing — Rates from 5.24%
Rates from 5.24% APR
Top-tier rates reserved for established businesses with strong credit and operating history.
$0 Down Available
Qualified fleet operators can finance with zero down payment, preserving working capital for operations.
Up to $5M Per Transaction
Finance single units or entire fleet acquisitions with streamlined underwriting for larger deals.
Same-Week Funding
Established businesses with clean financials can receive funding in as few as 3 business days.
The Brobas Process
Apply Online
Fill out a quick 5-minute application. No impact on your credit score.
Get Matched
Our AI engine matches you with the best lenders from our 500+ network.
Compare Offers
Review competitive offers with transparent rates and terms.
Get Funded
Choose your best option and receive funding — often within days.
Recent Fleet Financing Approvals
Here's a snapshot of real deals we've closed recently for fleet operators across the country. These aren't hypothetical — they're actual funded transactions.
• $1,200,000 Fleet Expansion — 8 Freightliner Cascadias for a Texas-based carrier. 5.49% APR, 60 months, $0 down. Borrower had 720 credit, 7 years in business.
• $780,000 Replacement Fleet — 5 Volvo VNL 860s for an Illinois logistics company. 5.74% APR, 72 months, 5% down. Borrower had 695 credit, 12 years in business.
• $2,100,000 Enterprise Fleet — 14 mixed units (Peterbilt 579s and Kenworth T680s) for a Georgia freight carrier. 5.24% APR, 84 months, $0 down. Borrower had 740 credit, 15 years in business, $8M annual revenue.
• $450,000 Startup Fleet — 3 International LTs for a new authority with experienced owner. 6.49% APR, 60 months, 10% down. Borrower had 710 credit, 15 years CDL experience.
• $960,000 Reefer Fleet — 6 Utility reefer trailers and tractors for a California cold chain operator. 5.99% APR, 72 months, $0 down. Borrower had 705 credit, 5 years in business.
Why Established Fleets Get Better Rates
Lenders view established fleet operators as lower risk for several key reasons:
Proven Revenue History — Multiple years of consistent revenue demonstrate the business can service debt. Lenders love predictability, and a fleet with 3+ years of tax returns showing stable or growing revenue is a banker's dream.
Asset Collateral — Fleet operators have existing equipment that provides additional collateral security. A lender financing your 9th truck knows they can recover against your existing 8 units if needed.
Operational Expertise — Years of running a fleet prove you understand maintenance, driver management, compliance, and route optimization. This operational maturity translates directly to lower default risk.
Diversified Revenue — Multi-truck operations aren't dependent on a single driver or contract. This diversification dramatically reduces lender risk compared to single-truck owner-operators.
Banking Relationships — Established businesses have existing banking relationships, verified deposits, and clean financial records that speed up underwriting.
How to Qualify for Our Best Fleet Rates
To access rates starting at 5.24% APR, here's what lenders look for:
Credit Score: 680+ — While we finance all credit levels, sub-5.99% rates typically require 680+ personal credit. Scores above 720 unlock our absolute best pricing.
Time in Business: 2+ Years — Two or more years of operating history with tax returns to prove revenue. Three to five years is the sweet spot for the lowest rates.
Annual Revenue: $500K+ — Revenue should demonstrate the ability to service the new debt. Most lenders want a debt service coverage ratio (DSCR) of 1.25x or better.
Clean Bank Statements — 3 months of statements showing consistent deposits, positive balances, and no NSF activity. Lenders look at average daily balance and deposit consistency.
Down Payment Flexibility — While $0 down is available for the strongest borrowers, even a 5-10% down payment can reduce your rate by 0.25-0.75%.
Don't check all these boxes? You can still get competitive rates. Our network includes lenders who emphasize different factors — some prioritize revenue over credit, others value industry experience over time in business.
Frequently Asked Questions
What rate can I expect for my fleet?
Rates depend on credit score, time in business, revenue, and fleet size. Businesses with 700+ credit, 3+ years in business, and $1M+ revenue typically qualify for our best rates starting at 5.24% APR. Our average fleet client receives rates between 5.49% and 7.99%.
What fleet size do you work with?
We finance fleets of all sizes — from 5-truck operations to 500+ unit enterprise fleets. Larger fleets often qualify for volume discounts and dedicated account management.
Can I finance multiple units at once?
Absolutely. Multi-unit deals are our specialty. Bundling units into a single transaction often unlocks better rates and simpler documentation.
What documentation is needed?
For established fleets: 3 months bank statements, 2 years tax returns, equipment list, and a purchase order. Clean financials mean faster approvals — often within 24 hours.
Do you finance both new and used trucks?
Yes. We finance new units from all major OEMs and used trucks up to 10 years old. Used truck rates start slightly higher but remain extremely competitive for qualified borrowers.
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