First Capital has a variety of truck leasing and commercial vehicle leasing (financing) options. Big trucks, small trucks, work trucks.  COMPARE: All of lease-to-own programs allow you to select the truck of your choice--box trucks to bucket trucks and everything in between--from the most competitive & convenient truck dealer of your choice. First Capital does not sell trucks, we purchase the truck that you select, from the dealer that you select, at the price you've been quoted.  The cost is spread over 36 to 84 months--No mileage restrictions, no maintenance requirements, no end-of-lease condition requirements or excess mileage fees.  None! 

At the end of the lease, you pay a token $1 and YOU OWN THE TRUCK. 

Commercial Truck Rentals

Rentals are among your most expensive options!  Are you renting a work truck week-to-week, month after month?  You're probably spending way more than you need to!  Check out the difference between what you are spending now "renting," and see how much less you could be spending with First Capital, owning.  Get the numbers, Do the math.  Check it out below:

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

"A quick heads up!"

Please don't "shop yourself" into a credit decline, by applying everywhere! 
Every new credit inquiry knocks your credit score down further--we see it everyday. Don't let anyone tell you that "it doesn't matter!" 

(First Capital lease-to-own quotes don't ding your credit--that matters!)

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)
 

(Note: ALL lease-to-own programs are a 24-month minimum. We do not provide daily or monthly rentals or short term leases)

The First Capital difference?  You select any local dealer of your choice.

First Capital provides lease-to-own financing and TRAC leases for just about any truck or commercial vehicle that meets your business needs.  We'll buy YOUR truck, from the dealer that YOU pick, in the location that you pick, and at the lowest price you are quoted.  YOU pick the right truck at the right price, from the right dealer, WE buy the truck (pay the dealer in full) and YOU PAY US over 24-72 months.

Trust Matters.

 

ALL YOU NEED to see a quote is your preferred dealer's price, make, model & the approx. mileage.
 

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

3 Types of Truck & Commercial Vehicle Leases:

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

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

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 (buyout) at the beginning unlike an FMV lease.  CALL for details on TRAC leases.

A TRAC lease provides these additional benefits: 
 

And a TRAC lease allows for:

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.

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