Ford

Mehmi Financial Group helps businesses finance and lease Ford equipment, including trucks, in Canada and the USA. As a brokerage, we compare options from banks, equipment finance companies and alternative lenders for new and used Ford units, from dealer purchases to private sales. Approval, rates and terms are set by each lender.

About Ford commercial trucks

Ford's commercial vehicles are sold through Ford Pro, which also offers fleet software, service and financing. The Ford models on our eligible equipment list are work trucks rather than heavy equipment: the F-650 and F-750 medium-duty Super Duty trucks, the E-Series cutaway such as the E-450 (a common base for shuttle buses, ambulances and box trucks), and commercial pickups and vans.

Upfits and bodies

Many Ford commercial trucks are bought as chassis and finished with a body: a box, dump body, service body, flatbed or bus body. Ford Pro works with upfitters to build those vehicles. For financing, it helps when the chassis and upfit are on one invoice, because many lenders can then finance the finished vehicle as one asset.

How lenders view Ford work trucks

Ford commercial trucks have very broad resale markets, which makes them comfortable collateral. Lenders look at model year, mileage, the body and how the vehicle earns revenue: delivery routes, contracts, service calls or passenger transport. For medium-duty F-650 and F-750 trucks used in construction or municipal work, the upfit (dump body, crane, plow) can be a large part of the cost.

Ford Credit vs other lenders

Ford Credit and Ford Pro financing are available through dealers and can be worth comparing with banks and independent lenders, particularly on used trucks, custom upfits and businesses with mixed fleets.

How Ford equipment financing works

Most Ford purchases are financed with an equipment loan or a lease. A loan gives you ownership from day one, with the lender registering a security interest (PPSA in Canada, UCC in the USA). A lease keeps title with the lessor and can lower the monthly payment, with a buyout, renewal or return option at the end.

Ford equipment we help finance

Financing Ford trucks

Trucks are financed by owner-operators, fleets and vocational businesses. Lenders review model year, odometer reading, engine and emissions history, and your operating authority and driving experience. Specification matters: sleeper or day cab, axle configuration and body type all affect resale demand. For older or high-kilometre units, lenders may ask for proof of an engine rebuild or a mechanical inspection.

Ford trucks on our eligible equipment list include Ford Commercial Trucks.

What lenders check on a Ford truck

Lenders look at model year, odometer reading, engine and emissions history, and your driving or operating experience. Long-haul use is often reviewed more closely than local or vocational work.

Expect to provide a credit application, recent business bank statements, the dealer quote or bill of sale with serial number and kilometres or miles, and financial statements or tax returns for larger amounts.

See the full list of eligible equipment, compare equipment financing options, or estimate payments with the equipment financing calculator.

All Ford models with financing pages

Tax treatment of Ford equipment

In Canada, trucks and tractors designed for hauling freight with a gross vehicle weight rating over 11,788 kg generally fall in CCA Class 16, while other trucks and vehicles generally fall in Class 10. Trailers have their own rules, so confirm the class with your accountant. With a loan, you generally claim capital cost allowance and deduct interest. With a true operating lease, lease payments are generally deductible instead. See the CRA classes of depreciable property. In the USA, Section 179 and bonus depreciation may apply; see IRS Publication 946. Always confirm with your accountant.

Can I finance a Ford F-650 or F-750 with a dump body?

Usually, if the chassis and body are on the same invoice. Lenders review the full vehicle and its work.

Can I finance a Ford E-450 shuttle bus?

Yes. Lenders look at the bus conversion, mileage and the contracts or routes it will serve.

Is Ford Credit my only option for a Ford work truck?

No. Banks and independent lenders also finance Ford commercial trucks.

Can I finance a used Ford box truck?

Yes. Lenders review mileage, condition and how the truck earns revenue.

Can upfitting costs be financed?

Many lenders include upfits when they are on the purchase invoice.

Can a fleet finance several Ford vans at once?

Yes. Lenders review fleet financials and may structure several units together.