Built for Work Truck, Body & Trailer Sellers
Truck Dealers · Body Builders & Upfitters · Trailer Dealers · Specialty Vehicle OEMs · Independent Equipment Sellers
Sell More Trucks and Trailers with Financing Built for Vocational Fleets.
Whether you're selling a single service body, a dump truck with a plow package or a six-unit fleet of trailers, FPG helps your sales team present financing earlier and keep the deal moving forward.
Financing should not be the thing your team reaches for after a customer says the payment doesn't work. Used earlier in the sales process, it becomes a competitive advantage that lets a contractor finance the chassis, the body and the upfit as one working unit instead of piecing it together.
Start your vocational truck & trailer financing program
Tell us what you sell and how your team quotes. We'll build the program around your sales process.
A real person from our partnership team will reach out directly.
Built to Keep Deals 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 hard assets, equipment sales and vendor programs.
Financing that works at the speed of a fleet sale
Fast decisions matter when chassis allocation opens, a contract starts, or a unit is sitting at the upfitter waiting on approval. Speed alone is not enough — sellers also need flexible structures and people who understand the chassis, the body and the buyer.
The Equipment Seller's Perspective
Financing should help create the yes — not show up after the no.
Your priority is to move units, shorten the sales cycle and protect margin. When financing is treated as an afterthought, the customer may already have decided to keep running an aging truck, rent for the job, buy a used unit of unknown condition, or take the chassis now and put off the body they actually need.
Finance the chassis and the body together
Presenting financing early keeps the truck, the body and the upfit in one transaction instead of a customer funding the chassis and then stalling on the equipment that makes it work.
Overcome payment objections
Shift the conversation from unit price to a monthly payment the customer can compare against the contracts the truck will service and the rental spend it replaces.
Move when the chassis does
When allocation opens or a unit lands at the upfitter, financing lets a customer commit on that timeline rather than waiting for cash to line up.
Keep the fleet order intact
More financing options reduce the chance of a multi-unit order being cut to one or two trucks that fit this quarter's budget.
We Speak Vocational
Built around the trucks and trailers your customers put to work
FPG finances new and used vocational trucks, bodies, upfits and trailers, as single units or full fleets. We underwrite the buyer and understand that chassis, body, upfit scope, mileage, condition and resale value can all influence how a transaction should be structured.
Work Trucks & ChassisCab and chassis, cutaways, box trucks and medium- and heavy-duty work vehicles across weight classes.
Service & Utility BodiesService bodies, utility and mechanics bodies, enclosed service packages and crane-ready builds.
Dump & Hooklift BodiesDump bodies, hooklift and roll-off systems, landscape bodies and material handling upfits.
Cranes, Booms & Aerial UpfitsService cranes, boom and bucket upfits, digger derricks and aerial device installations.
Vocational TrailersEquipment, dump, gooseneck, lowboy, enclosed and landscape trailers for moving crews and machines.
Towing & RecoveryWreckers, rollbacks, carriers and heavy recovery units for towing and roadside operations.
Specialized Fleet VehiclesRefuse and sweeper units, vacuum and jetter trucks, water and fuel trucks, and purpose-built vocational vehicles.
Service & Support EquipmentLift gates, compressors, welders, generators, toolboxes, racking and the equipment that completes the build.
Selling a chassis-and-body package, a multi-unit fleet or a build that spans truck, upfit and trailer? FPG can structure financing around the complete working unit rather than one invoice at a time.
Why Equipment 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
- Fast decisions on straightforward transactions
- Support for chassis-and-body packages, upfits and multi-unit fleets
- A named finance team that works directly with your sales reps
People who understand the equipment and the sale
Vocational deals are not generic business financing. The chassis, the body, the upfit and the customer's contract mix all matter, and the pieces rarely come from one invoice. FPG's team works with sellers and buyers to structure the transaction around the complete unit and the work it will do.
Your FPG vocational truck & trailer 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 equipment and when the unit actually goes to work. FPG can structure the sale around the transaction instead of forcing every buyer into the same financing box.
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 equipment at the end of the term.
Residual Structures
Options that can reduce scheduled payments when a residual value makes sense for the asset and transaction.
Chassis & Upfit Packages
The chassis, the body and the upfit financed together as one working unit, even when they come from different suppliers.
Deferred Payments
Structures that can help a customer get through upfit and delivery before regular payments begin.
Seasonal & Step Payments
Payment schedules that can be aligned with snow or landscaping season, a contract ramp or a customer's billing cycle.
Multi-Unit & Fleet Packages
One transaction covering several trucks, trailers and upfits instead of separate paperwork for every unit.
New & Used Equipment
Financing for new units and for qualifying used trucks and trailers, including auction and private-party opportunities.
Upfit, installation, freight and support equipment can be included alongside the chassis, so customers can finance the complete working unit rather than the truck alone.
How It Works
From equipment quote to funded sale
Your sales team stays focused on the customer and the next unit instead of chasing financing paperwork.
1
Quote the Unit
Your rep builds the quote around the chassis, the body and the upfit the work requires.
2
Present Financing
Introduce payment options early instead of waiting for a price or cash flow 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, or once the upfit is complete for build-out units.
6
Sell the Next Unit
Your reps stay focused on customers, allocation and the next fleet order.
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 — on the lot, at the upfitter or on the show floor.
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 payment quote they can run from a phone on the lot or at a jobsite
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 price.
A monthly payment is a number a contractor can set against the contracts the truck will service, the crew it carries and what they currently spend renting. It is a far easier comparison than a purchase price for a complete build.
| Equipment Investment | 36 Months | 48 Months | 60 Months | 72 Months |
|---|---|---|---|---|
| $85,000Example: chassis with a service body and support equipment | $2,683 | $2,095 | $1,744 | $1,511 |
| $175,000Example: dump or hooklift truck, or a crane-equipped service unit | $5,525 | $4,314 | $3,591 | $3,112 |
| $400,000Example: multi-unit fleet with trailers and upfits | $12,628 | $9,860 | $8,208 | $7,112 |
Illustrative estimates only. Rates, terms and structures are subject to credit approval and may vary.
Vocational Truck & Trailer Financing FAQ
Questions equipment sellers ask
Why should our sales team introduce financing before a customer objects to price?
Introducing financing earlier gives the customer more ways to evaluate the purchase. Instead of discussing only unit price, your rep can frame the decision around monthly cash flow, the contracts the truck will service and what the operation currently spends renting.
Can the chassis, the body and the upfit be financed together?
Yes. The chassis, the body and the upfit can be financed as one working unit even when they come from different suppliers, so the customer is not left funding a truck without the equipment that makes it work.
Can upfit, freight and support equipment be included in the financing?
Yes. Upfit, installation, freight and support equipment such as lift gates, compressors and racking can be included alongside the chassis. Amounts and structure are subject to credit approval.
Can several trucks or trailers be financed in one transaction?
Yes. Multi-unit fleet orders, including trailers and upfits, can be structured as a single transaction rather than separate paperwork for every unit.
Can payments be structured around upfit time or a seasonal business?
Often, yes. Deferred structures can help a customer get through upfit and delivery before regular payments begin, and seasonal or step structures can align payments with snow or landscaping season, a contract ramp or a billing cycle. Availability depends on the transaction and credit approval.
Do you finance used trucks, trailers and auction purchases?
Yes. FPG finances new and qualifying used vocational trucks and trailers, including auction and private-party purchases. Age, mileage, condition and resale value typically affect the term rather than eligibility.
How fast are decisions?
Most credit decisions come back in two to four hours. Larger fleet orders, specialized units, unusual structures or more complex credit situations can require additional review.
What happens when a deal does not fit FPG's direct-lending box?
FPG also works with 25+ strategic funding partners. That gives the team additional ways to structure qualifying transactions without forcing the seller to manage separate lender relationships.
When does the seller get paid?
FPG funds your company in full on delivery, or once the upfit is complete for build-out units. 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 timing or credit flexibility could otherwise shrink a fleet order or leave a customer running an aging truck another season.
Build Your Financing Program
Turn financing into a competitive advantage for your sales team.
Whether you sell work trucks, service bodies, dump and hooklift upfits, cranes, trailers or specialized fleet vehicles, FPG can help you build a financing program designed to move units, keep fleet orders intact and give contractors more ways to say yes.
Start your vocational truck & trailer financing program
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.