A real person from our partnership team will reach out directly.
Built to Keep Riders Moving2–4 hrsMost credit decisions come back within hours, helping sales teams maintain momentum. Direct & 25+FPG is a direct lender with access to 25+ strategic funding partners for more ways to get a deal done. $350KApplication-only financing available up to $350,000, subject to credit approval. Dedicated TeamReal people who understand fleet vehicles, dealer sales and vendor programs.
Financing that works at the speed of a vehicle sale
Passenger vehicle purchases are often tied to a deadline: a contract start date, the first day of school, a new facility opening or a vehicle that failed inspection. Sellers need quick decisions, flexible structures and people who understand the vehicles, the operator and the contract behind the purchase.
The Vehicle Seller's Perspective
Financing should help create the yes — not show up after the no.
Your priority is to move vehicles, shorten the sales cycle and protect margin. When financing is treated as an afterthought, the customer may already have decided to keep running high-mileage units, buy one shuttle instead of the three the contract needs, choose a used vehicle at auction or wait for next year's budget.
Tie it to the contract
An operator bidding a transportation contract needs vehicles to win it. A monthly payment sits next to the contract revenue the vehicles will earn.
Compare it to repairs
Aging vans and buses cost more every year in repairs and downtime. A payment on a new unit is easy to compare against what the old one already costs.
Keep the fleet order whole
Presenting financing early keeps a multi-vehicle order from being cut to the one unit that fits this quarter's budget.
Protect margin
Give customers structure and payment flexibility before discounting the vehicle or throwing in the lift and upfits becomes the easiest way to save the deal.
We Speak Passenger Transportation
Built around the vehicles that move people
FPG finances new and used passenger vehicles, from a single 15-passenger van to a full fleet of shuttles or motorcoaches. We underwrite the buyer and understand that vehicle type, mileage, condition, upfits and resale value can all influence how a transaction should be structured.
Passenger Vans12- and 15-passenger vans and high-roof passenger vans for shuttles, crews, churches and group transport.
Cutaway Shuttle BusesBody-on-chassis shuttle buses for hotels, airports, parking, campuses and senior living communities.
ADA & Paratransit VehiclesWheelchair-accessible vans and buses with lifts, ramps and securement for NEMT and paratransit service.
Activity & School BusesMulti-function activity buses and school buses for schools, camps, churches and youth programs.
Executive & Luxury CoachesExecutive shuttles, limo buses and luxury sprinters for chauffeured, corporate and event transportation.
MotorcoachesFull-size motorcoaches for charter, tour and intercity operators.
Electric Shuttles & ChargingBattery-electric vans and shuttles plus the charging equipment needed to run them.
Upfits & Fleet TechnologyLifts, seating packages, cameras, telematics and fare and communication systems added to the vehicle.
Selling a fleet with accessible vehicles, upfits and charging for a new transportation contract? FPG can structure financing around the complete package rather than one vehicle at a time.
Why Vehicle Sellers Use FPG
One financing relationship. More ways to get the deal done.
FPG combines direct lending, in-house underwriting and a network of strategic funding partners. That gives your sales team more flexibility without forcing them to manage multiple lender relationships on every opportunity.
More flexibility without more complexity
- Direct lending plus access to 25+ strategic funding partners
- Structures for A, B and C credit profiles, including newer NEMT and transportation operators
- Fast decisions on straightforward transactions
- Support for single vehicles and multi-vehicle fleet orders
- A named finance team that works directly with your sales reps
People who understand the vehicle and the sale
Passenger vehicle deals are not generic business financing. The vehicle, the upfits, the riders and the contract behind the purchase all matter. FPG's team works with sellers and buyers to structure the transaction around the vehicle and the way the operator will put it to work.
Your FPG passenger vehicle finance team
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Jon McBrideSVP, Growth & Strategic Partnerships — Hard Assets
Casey GoodellVP, Strategic Sales & Partner Development
Kristopher TozierVP, Strategic Sales & Partner Development
Flexible Structures
Typical programs are not one-size-fits-all.
The right structure depends on the customer, the vehicle and the contract or calendar behind it. FPG can structure the sale around that timeline instead of forcing every buyer into the same payment pattern.
Equipment Finance Agreements
Traditional structures for customers that want predictable payments and ownership economics.
Purchase Options
Fixed-term structures designed for customers who intend to own the vehicles at the end of the term.
Residual Structures
Options that can reduce scheduled payments when a residual value makes sense for the vehicle and transaction.
Contract-Aligned Terms
Terms that can be matched to the length of a transportation contract or service agreement.
Deferred Payments
Structures that can give an operator time to put vehicles into service and start billing before regular payments begin.
Seasonal Payments
Payment schedules that can be aligned with the school year, tour season or a customer's busy months.
Multi-Vehicle Fleet Packages
One transaction covering several vans, shuttles or buses instead of separate paperwork for each unit.
New & Used Vehicles
Financing for new vehicles and for qualifying used passenger vans, shuttles and coaches.
Lifts, seating, upfits, telematics, charging equipment and delivery can be included alongside the vehicle, so customers can finance the complete road-ready unit rather than the chassis alone.
How It Works
From vehicle quote to funded sale
Your sales team stays focused on the customer and the next order instead of chasing financing paperwork.
1
Quote the Vehicle
Your rep builds the proposal around the riders, routes and accessibility needs the customer has to meet.
2
Present Financing
Introduce payment options early instead of waiting for a budget objection.
3
Customer Applies
The buyer completes the branded application from a phone or desktop.
4
FPG Structures the Deal
We underwrite the opportunity and determine the best available structure.
5
Documents & Funding
FPG handles documents and funds the seller on delivery and acceptance.
6
Sell the Next Vehicle
Your reps stay focused on customers, fleet growth and the next opportunity.
The goal: make financing part of the sales motion without turning your sales team into a finance department.
Program Capabilities
Everything your team needs to use financing as a sales tool
FPG builds the program around your sales process and supports the tools, training and marketing needed to make financing easy to introduce — in the quote, on the lot or at a trade show.
Custom Program Design
A financing structure built around how you sell.
You getA program that supports your margin and close rate
Your reps getSimple guidance for when and how to introduce financing
Co-Branded Financing Assets
Marketing support that helps make financing visible before the objection.
You getAccess to our CMO for special co-branded marketing campaigns and financing content
Your reps getReady-to-use assets that make financing easier to introduce and promote
Sales & Quote Tools
Make monthly-payment selling easier for your team.
You getTools that support payment-based selling without building technology internally
Your reps getA simple way to move from project cost to a financing conversation
Ongoing Enablement
A dedicated finance team that stays engaged after launch.
You getVisibility and support across active financing opportunities
Your reps getSomeone to call when a live deal needs help
Payment-Based Selling
Help customers evaluate the payment, not just the vehicle price.
An operator paying for repairs on aging units, or turning down contract work for lack of vehicles, is already paying for that capacity. A monthly payment puts the new vehicle in those same terms, alongside the routes and riders it lets them serve.
| Equipment Investment | 36 Months | 48 Months | 60 Months | 72 Months |
|---|---|---|---|---|
| $65,000Example: 15-passenger van or a high-roof passenger van | $2,052 | $1,602 | $1,334 | $1,156 |
| $150,000Example: ADA-accessible cutaway shuttle bus with wheelchair lift | $4,736 | $3,698 | $3,078 | $2,667 |
| $600,000Example: motorcoach or a fleet of four cutaway shuttles | $18,942 | $14,790 | $12,312 | $10,668 |
Illustrative estimates only. Rates, terms and structures are subject to credit approval and may vary.
Passenger Vehicle & Shuttle Financing FAQ
Questions vehicle sellers ask
Why should our sales team introduce financing before a customer raises a budget objection?
Introducing financing earlier gives the customer more ways to evaluate the purchase. Instead of discussing only the vehicle price, your rep can frame the decision around a monthly payment and compare it against contract revenue, ride fees and repair costs on aging units.
Can a fleet of shuttles or buses be financed in one transaction?
Yes. Several vans, shuttles or buses for the same customer can be structured as a single transaction rather than separate paperwork for each unit.
Can wheelchair lifts, seating and upfits be included?
Yes. Lifts, ramps, securement, seating packages, cameras, telematics and other upfits can be included alongside the vehicle. Amounts and structure are subject to credit approval.
Can terms match a transportation contract?
Often, yes. Terms can be aligned with the length of a transportation contract or service agreement so payments run alongside the revenue the vehicles support. Availability depends on the transaction and credit approval.
Do you finance used passenger vehicles?
Yes. FPG finances new and qualifying used passenger vans, shuttles, buses and coaches. Age, mileage and condition typically affect the term rather than eligibility.
Can FPG help newer NEMT operators and small transportation companies?
Often, yes. FPG is a direct lender with in-house underwriting and access to 25+ strategic funding partners, so A, B and C credit profiles can be placed. A thinner profile usually means a shorter term or a down payment rather than a decline.
Do single-vehicle sales qualify for application-only financing?
Most single van and shuttle sales fit application-only financing, which is available up to $350,000, subject to credit approval. Larger fleet and motorcoach deals move through a full application with the same team.
How fast are decisions?
Most credit decisions come back in two to four hours. Larger fleets, motorcoaches, unusual structures or more complex credit situations can require additional review.
When does the seller get paid?
FPG funds your company in full on delivery and acceptance. The purchaser pays FPG based on the agreed terms. You receive payment, and FPG manages the financing from there.
Vendor Partner Result
Financing support that helps create more sales opportunities
30%reported increase in pipeline
“FPG has been instrumental in driving opportunities in our pipeline. Their strategic insights and tailored solutions increased our pipeline by 30%.”— FPG Client | Vendor Partner
The value is not just access to capital. It is giving the sales team another tool to keep an opportunity moving when price, payment structure or credit flexibility could otherwise slow the deal down.
All financing is subject to credit approval. Terms and structures vary based on the customer and transaction. Payment examples shown on this page are illustrative and are not an offer or commitment to lend.