Commercial Truck Financing

Ford Credit provides flexible solutions so we can meet your changing business requirements. We'll work with you to help develop financially smart solutions.

Let's grow your business with a Commercial Line of Credit (CLOC)!

Build your fleet without having to reapply for each vehicle.

Your Trusted Commercial Lender

For decades, Ford Credit has put the welfare and sucess of your business first. We've streamlined the commercial lending process to help you get the vehicles you need when you need them. But don't just take our word for it; watch this video to hear from some of our many satisfied commercial clients.


  • Traditional financing
  • Flexible terms
  • No hidden fees
  • Combined billing available

Eligible Vehicles

  • New/used
  • Cars through heavy duty trucks
  • Vehicles used for livery (for-hire) operations
  • CNG/LPG, Bi-fuel, BEV vehicles
  • Upfit vehicles

Ineligible Vehicles

  • Emergency, fire and ambulance
  • Rental units
  • Federal, State or Local Government

For predictable usage vehicles, choose this closed-end lease with no residual risk. When you complete your lease as agreed, simply bring the vehicle to your Ford Dealer. You are only responsible for any excess mileage and wear and use charges.


  • Lease payments are usually lower than similar term finance payments
  • Allows for your cash to be invested in your business
  • Short-term leasing allows newer vehicles more often

Eligible Vehicles

  • New and Certified Pre-Owned

Ineligible Vehicles

  • Upfit vehicles
  • High mileage and heavy-use vehicles
  • Vehicles used for livery (for-hire) operations
  • Emergency, fire and ambulance
  • Rental units
  • Federal, State or Local Government

GAP Protection Benefit

Red Carpet Lease protects you by waiving the gap between your insurance payoff and your outstanding lease balance if your vehicle is stolen or damaged beyond repair. With GAP protection, you're responsible for only the insurance deductible and any outstanding charges (e.g., past-due payments) at the time of the incident. Certain restrictions may apply.

Lease-End options

At the end of your Red Carpet Lease, you have your choice of three different options after satisfying your lease-end obligations:

  • Buy or lease a new Ford
  • Purchase your leased vehicle at a predetermined price
  • Return your leased vehicle
  • Financing Options

    Finding the right vehicle isn't enough. Having the right financing plan is just as important to your commercial investment, whether you're an independent owner-operator or a fleet manager. Your Commercial Vehicle Center dealer has expertise in finding the best way to finance your investment, with terms that are right for you from the variety of Ford Credit retail and lease plans including the comprehensive Ford Fleet Care program.

    When to apply for a commercial line of credit

    • If you need or anticipate needing $250,000 or more in fleet financing
    • If your existing Ford Credit account balance is getting close to $250,000 and you're planning to make additional purchases this year

    Start the application process

    To apply for a Commercial Line of Credit, please click on the link below and submit the required information. Your application will be processed within two weeks. For questions about applying for a CLOC online, please contact us.

    To complete the initial application, you will need:

    • Signature of person(s) authorized to sign for the business
    • Your previous three year-end financial statements

    Commercial Financing

    Commercial Purchase

    Flexible financing options designed to work for your business.

    Commercial Red Carpet Lease

    Drive off in a new Ford, sooner. This closed-end lease offers no residual risk and many benefits.

    Commercial Lease

    Discover a customizable open-end lease option.

    Commercial Line of Credit

    Smart ways to build up your fleet.

    Chassis Financing

    Financing for vehicle modifiers.

    Municipal Financing

    Maximize your operating budget.

    Why use your existing bank lines to acquire vehicles? Consider our Commercial Line of Credit (CLOC).*

    Open a CLOC and you'll get the advantage of:

  • Flexible terms
  • No setup or non-utilization charges
  • Available for retail financing, Red Carpet Lease and Commercial Lease
  • Credit that frees up capital
  • Availability of a combined billing statement
  • With our CLOC program, you can apply for a credit line starting at $250,000 and, once approved, you can add vehicles to your fleet whenever you need to, for up to 12 months.** Now you can be covered all year for all of your financing or leasing needs. No need to reapply every time you need a vehicle.

    How to obtain

    Contact your Ford dealer to get started. They'll obtain key information from you and provide it to Ford Credit. We will then reach out to you via DocuSign® to help expedite the process. You will have the option to use DocuSign to electronically receive and send required documentation.

    Our knowledgeable commercial representatives are ready to assist you. As an added convenience, we can even come to your place of business.

    *Subject to initial approval, ongoing eligibility and periodic reviews.**Provided no material change in financial condition - initial approval is for up to 12 months.

    1. Stuckey Ford

      609 Broad Street
      Hollidaysburg, PA 16648

      • Sales: (814) 695-9862
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    Get in Touch

    • Contact our Sales Department at: (814) 695-9862


    *Subject to initial approval, ongoing eligibility and periodic reviews.

    **Provided no material change in financial condition - initial approval is for up to 12 months.