Fleet financing that moves your business forward

Smart commercial fleet financing can do more than put vehicles on the road. It can free up capital, improve flexibility, and support your broader business goals. At Element, we offer a full suite of fleet financing solutions tailored to your needs. Whether you’re looking to optimize cash flow, reduce risk, or modernize your fleet, our team brings deep experience and flexible options to help you make it happen. From leases and loans to acquisition strategies and beyond, we make fleet financing simple, strategic, and scalable.

Talk to a fleet financing expert

Financing that works the way you do

Your business is unique, and your financing should be too. That’s why we offer a range of customizable solutions designed to fit your budget, vehicle mix, and operating model.

Our fleet vehicle financing options include:

Operating leases and capital leases for maximum flexibility and cost control.
Open-end terminal rental adjustment clause (TRAC) leases that combine ownership benefits with leasing advantages.
Sale and leaseback options to unlock equity in your existing fleet.
Client-owned acquisition program (COAP) with Element's support tools for self-managed fleets.

No matter how you finance, you’ll benefit from our scale, purchasing power, and tax strategies.

Unlock savings and simplify operations

Fleet financing shouldn’t be a burden—it should be a business advantage.

With Element, you can reduce costs, minimize risk, and offload administrative tasks. Here’s how we help:

100% financing available with no mileage restrictions or wear-and-tear penalties.
Improved cash flow through predictable monthly payments and reduced upfront costs.
Lifecycle planning and cost analysis from our Strategic Advisory Services team.
Integrated support for ordering, invoicing, tax administration, and inventory management.
Data and insights through digital fleet management platforms that provide dashboards, amortization tracking, and billing transparency.
Mileage tracking, flexible reimbursement options, and compliance tools to ensure a simple and supportive driver experience.
A unified view of fleet and reimbursement costs and operations to optimize programs, reduce waste, and streamline administration.

Let us handle the complexity, so you can focus on driving results.

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Put capital to work where it matters most

In today’s economic landscape, fleet financing must do more than cover vehicle costs, it should give you room to grow, adapt, and invest.

Element’s financing solutions are designed to:

Preserve capital for strategic priorities.
Improve financial ratios with off-balance-sheet options.
Accommodate a wide range of asset types, including passenger vehicles, trucks, vans, and equipment.
Align with your operational life cycles and replacement plans.
Provide ongoing value with fleet-specific financial reporting and analytics.

We do more than just finance fleet vehicles, we empower you to support bigger business goals.

Let’s build your financing strategy

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FAQs

What is fleet financing?

Fleet financing is a way to fund your vehicles or equipment purchases through leasing or loan structures tailored to your business. Instead of tying up large amounts of capital, you pay predictable monthly costs while gaining access to vehicles and services that support your operations.

How does fleet financing work?

With Element, you choose from a variety of financing models—including operating leases, open-end TRAC leases, loans, or sale-leasebacks—depending on your goals. We help assess your needs, structure the right solution, and provide ongoing support through billing, reporting, and lifecycle management tools.

What are the business advantages to commercial fleet financing?

Fleet financing improves cash flow, provides balance sheet flexibility, and enables you to scale without large capital outlays. You also benefit from Element’s purchasing power, tax advantages, and strategic advice to minimize total cost of ownership and reduce administrative overhead.

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