It looks like you're using an outdated browser.
For a better experience, we recommend switching to a more modern browser like Google Chrome or Microsoft Edge. Learn more.
Say Bye to Business Bank Fees

Save more with SCCU Business Checking: no monthly fee,(1) transaction limits, and no cash-handling fees. Conditions apply.

Switch Today
Say Bye to Business Bank Fees

Save more with SCCU Business Checking: no monthly fee,(1) transaction limits, and no cash-handling fees. Conditions apply.

Switch Today

Business Auto | Commercial Grade

Flexible. Transparent Financing.

Financing options are available for the purchase, refinance, or private sale of commercial-grade vehicles, including heavy-duty trucks, semi-trucks, and box trucks. Remote closing options are offered to provide added convenience for these transactions.

Apply Now by Phone Request More Information

Product Features

  • Local Business Loan Advisor
  • Available for Refinances, Private Auto Sales and Dealerships
  • Available for New and Used Autos
  • Competitive Rates70
  • Flexible Terms73
  • Fast Approval Decisions67
  • Close from anywhere with Simple Electronic Closing with Express Sign68
  • Same Day Closings69
  • No Pre-Payment Penalties
  • Automatic Online Bill Pay
  • SCCU Membership, with Free Online and Mobile Banking
  • SCCU Member Service for the Life of the Loan
Terms
Up to 84 months

Up to 84 months
Application Fees None
Pre-payment Penalties

None
▸ 1. How do I apply for a business loan?

You’ll work directly with our Business Services team, who will guide you through the process and answer any questions along the way.

Reach out to us at 800‑447‑7228 to get started.

▸ 2. What is the difference between a business auto loan and a personal auto loan?

Choosing business over personal allows you to purchase or refinance a vehicle under your business rather than your personal finances. This separation can make tax reporting, expense tracking, and day‑to‑day financial management easier.

Because tax and accounting considerations vary by business, we recommend speaking with your CPA or accountant to understand how a business auto loan may support your financial goals. When you’re ready, our team is here to help you every step of the way.

▸ 3. How long do I need to be in business to qualify for a business auto loan for commercial-grade vehicles?

Your business must have at least 2 years of operating history to apply.

▸ 4. How long does it take to receive an approval decision for a business auto loan for commercial-grade vehicles?

Most financing applications receive a decision within 24–72 hours once we have the required documentation. Approval times vary depending on the complexity of your request, the loan amount, and how quickly all required documents are submitted.

▸ 5. Can I finance a vehicle that is out of state?

Vehicle purchases, refinances, private sales, or cash-on-clear-title sales must be registered in the state of Florida to qualify for financing.

▸ 6. Do I need to provide a personal guaranty?

Yes. All owners with 20% or more ownership must provide a personal guaranty as part of the application process. Nonprofit organizations may be exempt depending on factors such as repayment ability, financial stability, leadership, cash reserves, and current debt levels.