Truck Leasing & Financing

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Quick Quote for Trucks


Truck Leasing Company
New & Used

Box Trucks ● Cargo Vans ● Delivery Trucks ● Step Vans Straight Trucks
Moving Trucks ● Expediter Refrigerated Trucks ● Bucket Trucks ● Tow Trucks/Wreckers

LEASE-TO-OWN  The Smart Choice!


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First Capital has a variety of truck leasing and commercial vehicle leasing (financing) options. Big trucks, small trucks, work trucks.  COMPARE: All of our truck leasing programs allow you to select the truck of your choice, from box trucks to bucket trucks--all from the most competitive & convenient truck dealer of your choice. First Capital does not sell trucks, rather we purchase the truck from the dealer that you select, at the price you have arranged and lease the truck to you at low monthly payments spread over 36 to 84 months. After the last payment, for a nominal $1 payment, YOU OWN THE TRUCK.  Do you know what you need right now?



Get a Quick Quote Right Now - PRESS HERE!


No Obligation! - This is for a quote, this is not the application

(Note: 24 Month minimum. Lease-To-Own. No daily, monthly or short term leases)



Most of our truck leasing programs are "lease to own," allowing you to purchase the truck for $1, OR to return the truck with no additional payments due, OR purchase the truck for its fair market value at lease end (this can lower the lease payment)

Key Program Benefits: Local Dealers, Local Service, Local Relationships

First Capital provides lease to own financing and TRAC leases for just about any truck or commercial vehicle that meets your business' needs, from the dealer/seller that you pick, in the location that you pick, and at the price that you are quoted. Our lease to own quote will be based on the best truck cash price you are offered from any dealer. YOU pick the right truck at the right price, from the right dealer, WE buy the truck (pay the dealer) and YOU PAY US over 24-72 months.



All you need for a quote is the dealer's price, make, model, year & approx. mileage.



(24 Month minimum. Lease-to-own. We don't offer daily, monthly or short term leases or rentals) 


Partial listing of the type of trucks we will gladly finance!

Box Truck Leasing

Cargo Truck Mini Vans
Tractors & Power Units* Step Vans Trailers
Propane Trucks Fuel Oil Delivery Trucks Passenger Vans
Bucket Trucks Cargo Vans, Cube Vans Tow Trucks / Wreckers
Cube Vans Flatbed Municipal Transit Buses
Aerial Platforms Straight Truck Leasing Digger Derrick
Limousines Pick-Ups Automobiles (comm. use only)
Construction Dump Trucks Car Carriers
Refrigerated / Reefer Buses & School Buses Mini-Vans
Para Transit Day Care Buses Handicapped ADA Vans
Sewer Vacuum Truck Leasing Cranes
Fire & Rescue [MORE] Concrete Pumps Water
Funeral Cars Hearses Expediter Truck
Truck Leasing: GMC, Isuzu, Hino, Mitsubishi, Volvo, Peterbilt, Kenworth, Freightliner, Mack
Ford Leasing F-150, Ford F-250, Ford F-350, Ford F-450, Ford F-550, F650
FedEx Trucks Ground & Route Delivery Contractors, Expediter Trucks
NOTICE: All brand names or model names are mentioned "for example" only and are the property of the respective trademark owners.  First Capital Equipment Leasing Corp (FCELC) is NOT a dealer, representative, reseller for or in any way affiliated with any seller of trucks or related equipment.  FCELC DOES NOT SELL ANY TYPE OF TRUCKS OR  EQUIPMENT, REPRESENT OR ACT FOR, OR AT THE DIRECTION OF ANY SELLERS of vehicles or equipment, manufacturers, or dealers, nor does FCELC received remuneration or consideration of any type from any sellers.



3 Types of Truck & Commercial Vehicle Leases:


1) Finance Lease - Lease to Own ($1 Buyout)  "No-Restrictions Truck Lease" with great benefits:




NO MAINTENANCE REQUIREMENTS No "wear & tear" or condition restrictions.


NO RESIDUALS ($1 Purchase Option)


New or Used Vehicles -- No Problem!


Install any equipment, paint, decals and/or modify vehicle as necessary.


Purchase from ANY dealer of your choice.


(Or lease any amount under our Commercial Truck Lease

Terms to 72 months. (Used vehicle formula age + term = < 7 yrs. total for light trucks, < 10 years for heavy trucks & trailers. Certain exceptions) 


2) Fair Market Value Lease - ("FMV") Truck Lease.  


Lower, fixed monthly truck lease payments


May be 100% Tax Deductible as an operating expense (consult your tax profession) 


Return the truck at the conclusion of the lease, OR purchase the truck for its Fair Market Value, OR continue to lease the truck.


3) TRAC Lease

A TRAC lease is a special type of FMV truck lease that guarantees the end-of-lease residual price for the vehicle in advance.  TRAC stands for (Terminal Rental Adjustment Clause).  A TRAC lease allows us to calculate the end-of-lease residual at the beginning (unlike an FMV lease buyout which is based on the amount vehicle is sold for when it is returned at the end of the lease.


A TRAC lease provides these additional benefits: 


The LOWEST monthly truck lease payments.


A TRAC lease generally offers 100% tax deductibility (consult your tax professional) 


Highest truck residuals -- Up to 30% on new vehicles


And a TRAC lease allows for:



Pre-determined end-of-lease truck valuations. 


Lower payments than equivalent conventional truck leases or loans.


100% truck financing


Minimizes AMT (Alternative Minimum Tax) ramifications as the lessor retains all depreciation, while passing on the lowest possible monthly lease payments to the lessee.


More: The TRAC lease is a unique variation of the FMV lease in that the risk and reward of ownership is transferred to the lessee via the "terminal rental adjustment clause" (TRAC) at the start of the lease.  This lease is generally treated as a 100% tax-deductible operating expense, not a capital acquisition.  When the truck is returned, the lessee will be entitled to any sale value realized in excess of the projected residual value of the truck and similarly responsible for any shortfall below the projected residual value of the truck.  (Such "pre-determined residual" valuations would automatically invalidate a traditional FMV lease for IRS purposes, but are acceptable in a TRAC structure.) TRAC lease generally require somewhat stronger credit.


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Get Prompt, Written
Truck Lease Quote Now!

No Obligation, Of Course!


(24 Month minimum. Lease-to-own. We DO NOT offer daily, monthly or short term rentals/leases)


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