Finance & insurance

Buying commercial passenger equipment is not like buying a car. We connect buyers with lenders and insurers who work in this industry every day and price the asset for what it actually is.

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Financing

Lenders who understand livery

Commercial passenger vehicles are underwritten differently from ordinary cars. We work with lenders who already know stretch conversions, coach builds and high-mileage diesel equipment.

Terms that match the asset

Typical structures run 36 to 84 months depending on vehicle age, mileage and condition. Older and restored vehicles can usually still be financed, often with a larger down payment.

Fleet and single-unit options

Whether you are adding one sedan or refinancing a whole fleet, financing can be arranged per unit or as a single facility across multiple vehicles.

Insurance

Commercial auto liability

Meets the limits required by most state and municipal livery authorities, with filings handled where your jurisdiction requires them.

Physical damage & equipment

Covers the vehicle plus the interior build — bars, lighting, audio and entertainment equipment that a standard policy often leaves out.

Garage & non-owned coverage

Protection while vehicles sit on your lot between charters, and for the vehicles you bring in on subcontract.

Free, no obligation

Request a finance quote

Tell us what you're buying and we'll match you with lenders and insurers who specialize in livery equipment.

Answer in one business day
No credit check to get a quote
Start-ups and older equipment considered
Financing and insurance in one request

Common questions

Can I finance a vehicle over ten years old?: Often yes. Age limits vary by lender and by vehicle class — a well-documented motorcoach is treated very differently from a high-mileage sedan. Expect a larger down payment and a shorter term on older equipment.
Do I need to be an established operator?: Not necessarily. Start-up operators can qualify, though lenders typically look for industry experience, a business plan and a meaningful down payment.
How long does approval take?: Straightforward applications commonly come back within one to three business days. Larger fleet facilities take longer because more documentation is reviewed.
Can you insure a vehicle before it is delivered?: Yes. Coverage is usually bound effective the date of delivery so the vehicle is protected in transit and the moment it arrives.

Information on this page is general and for illustration only. It is not a commitment to lend or a binder of insurance. All financing is subject to credit approval and all coverage is subject to the terms of the issued policy.