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Equipment structure · Nationwide

TRAC Lease

A Terminal Rental Adjustment Clause lease for titled vehicles: low payments, a residual you set, and lease tax treatment.

Apply nowAll equipment programs(210) 702-8811
$15K – $10MM+Amounts
Up to $1MMApplication only
12 – 84 mo.Terms
All 50States
Structure

How TRAC Lease works

A TRAC lease is a lease for over-the-road trucks, trailers and other titled vehicles. You and the lessor agree on a residual value up front. At the end of the term the vehicle is sold, and if it brings more than the residual you keep the difference; if less, you cover the shortfall.

Setting the residual lets you control the payment, and because it's a true lease for tax purposes, payments are typically deductible. It's the standard structure for fleets that cycle trucks every three to five years.

Best for

  • OTR trucking fleets
  • Owner-operators adding tractors and trailers
  • Titled vehicles used more than 50% for business

Program terms

Every product and structure is available through the same equipment program: $15,000 to $10 million and more, application-only approvals up to $1 million, 12 to 84-month terms, A through C- credit and no industry restrictions.

Questions

TRAC Lease FAQ

Answers to common questions.

Who can use a TRAC lease?

Businesses leasing titled motor vehicles or trailers used more than 50% in a trade or business.

Can I buy the truck at the end?

Yes, typically at the agreed residual.

How much equipment can I finance?

From $15,000 to $10 million and more. Approvals up to $1 million can often be made on a one-page application, with no tax returns or financial statements.

What credit do I need?

Programs span A through C- credit. Strong credit gets the lowest rates and 100% financing; challenged credit can still be approved with a down payment or additional collateral.

Do you finance startups?

Yes. Businesses with one year or more in operation have the most options, and startup programs are available with a strong owner profile or down payment.

Related

More ways to finance equipment

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Structure

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Sell equipment you own, lease it back, keep working

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Ownership-style financing on a lease form

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Skip Payment Lease

No payments in your off-season

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Step / Unlevel Payment Lease

Payments that grow as the equipment pays off

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Synthetic Lease

Off-balance-sheet accounting with ownership tax benefits

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Maintenance & Service Financing

Bundle service, warranties and soft costs into one payment

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Seasonal Payment Plan

A payment calendar built around your revenue

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Mid-Term Amendment Lease

Add equipment to your lease without a new contract

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By state

TRAC Lease by state

Available in all 50 states and D.C.

Discuss your scenario

Rather talk it through first?

Skip the full application. Tell us what you need in a few words and an account executive will call you back with options.

  • No application, no credit pull
  • A real account executive, not a call center
  • Usually a call back within one business day
Prefer to call? (210) 702-8811
Next step

Ready to apply for TRAC Lease?

Tell us about the equipment and we'll bring back the right structure.

Start the application

Commercial financing is arranged through Win-Win Capital Funding's network of banks, equipment lessors and asset-based lenders. Rates, terms, advance rates and amounts depend on credit, time in business, revenue, collateral and the equipment, and all financing is subject to credit approval and documentation. Tax treatment varies; consult your tax advisor. This is not a commitment to lend.