Ford Commercial Credit


Flexible solutions so we can meet your changing business requirements. We’ll work with you to help develop financially smart solutions.


  • Traditional financing
  • Flexible terms
  • No hidden fees
  • Combined billing available

Eligible Vehicles

  • New/Used 
  • Cars through heavy duty trucks
  • Vehicles used for livery (for-hire) operations
  • CNG/LPG, Bi-fuel, BEV vehicles
  • Upfit vehicles

Ineligible Vehicles

  • Emergency, fire and ambulance
  • Rental units
  • Federal, State or Local Government

For predictable usage vehicles, choose this closed-end lease with no residual risk. When you complete your lease as agreed, simply bring the vehicle to your Ford Dealer. You are only responsible for any excess mileage and wear and use charges.


  • Lease payments are usually lower than similar term finance payments
  • Allows for your cash to be invested in your business
  • Short-term leasing allows newer vehicles more often

GAP Protection Benefit

  • Red Carpet Lease protects you by waiving the gap between your insurance payoff and your outstanding lease balance if your vehicle is stolen or damaged beyond repair. With GAP protection, you’re responsible for only the insurance deductible and any outstanding charges (e.g., past-due payments) at the time of the incident. Certain restrictions may apply.

Eligible Vehicles

  • New and Certified Pre-Owned

Ineligible Vehicles

  • Upfit vehicles
  • High mileage and heavy-use vehicles
  • Vehicles used for livery (for-hire) operations
  • Emergency, fire and ambulance
  • Rental units
  • Federal, State or Local Government

Lease-End options

At the end of your Red Carpet Lease, you have your choice of three different options after satisfying your lease-end obligations:

  • Buy or lease a new Ford
  • Purchase your leased vehicle at a predetermined price
  • Return your leased vehicle

Work smart with a customizable plan for your business.

CommerciaLease is an open-ended Terminal Rental Adjustment Clause (TRAC) lease program that allows flexibility to set the residual based upon business requirements.

Eligible vehicles

  • New/used
  • Cars through heavy duty trucks
  • CNG/LPG, Bi-fuel, BEV vehicles
  • Upfit vehicles
  • High mileage and heavy use vehicles

Ineligible vehicles

  • Vehicles used for livery (for hire) operations
  • Emergency, fire and ambulance
  • Rental units
  • Federal, State or Local Government


  • Flexible terms
  • No acquisition, up-front administration or termination fees
  • No mileage restrictions or penalties
  • No charges for excess wear and use
  • Upfits can be residualized
  • Combined billing

Standard Terms and Residuals Guidelines

% Based On Final Net Capitalized Cost:

24 mos.


36 mos.


48 mos.


60 mos.


Lease-end Options

You have several options at the end of your CommerciaLease:

With a Commercial Line of Credit (CLOC), you can streamline your funding process, allowing you more time to focus on your business’ daily operations. Ford Credit doesn’t just give you benefits; we help turn those benefits into competitive advantages such as:

  • The availability of credit when you need it
  • No set-up or non-utilization charges
  • Credit that frees up your capital for other business needs

You can apply for financing once and easily add vehicles to your business as needed for up to 12 months.* To establish a Commercial Line of Credit, contact your Ford Dealer.

*Subject to initial approval, credit limit, ongoing eligibility and periodic reviews. Not all customers will qualify. See your dealer for qualification details.

Renewal Process

  • A renewal notice will be sent to you 90 days prior to the expiration of your CLOC (the approval could be for 6 or 12 months).
  • You have the option to utilize DocuSign® to electronically receive and send required documentation to renew your CLOC.

If you’re a body manufacturer who purchases chassis from dealers to upfit/convert to specialty products, this is the financing program for you.


  • Financing provided throughout the conversion process
  • Interest only payments for 180 days – principal due at term
  • Qualified customers may defer payment of interest for the original 180-day financing term
  • Demo privileges may be approved on an exception basis when credit lines are established

Eligible vehicles

All Ford and Lincoln vehicles, regardless of gross vehicle weight, are eligible. Modifications include, but are not limited to:

  • Utility and construction upfits
  • Fire trucks and/or rescue units
  • Limousines/funeral coaches
  • School/shuttle buses
  • Other specialized vehicles

Smart Funding

We know the challenges. Your municipality needs equipment to provide essential services. Often, funds aren’t currently available. Discover how our flexible Municipal Lease/Purchase Financing helps you acquire essential equipment – even on limited budgets. No major cash outlays, long-term debt obligations or, in most cases, voter approval.

Virtually any essential use equipment can be financed under our Municipal Program incuding police, fire, emergency equipment and more.

How it works

  • Fixed-rate financing helps you get the vehicles you need, when you need them, while adhering to your current budget
  • Monthly, quarterly, semiannual and annual repayment terms provide flexibility
  • Add-on equipment, upfits and extended warranty plans are available
  • Equity is accumulated with each payment and ownership is realized with a final payment of $1

Clear Advantages

  • Flexible payment and billing plans
  • Avoid high costs of maintaining older equipment\
  • Low-cost, tax-exempt interest rates
  • No down payment or security deposit required
  • No mileage restrictions
  • No maintenance or return provisions
  • Ownership at lease-end with minimal buyout price

Let our team help you acquire the equipment you need – when you need it. We can provide you with a payment quotation quickly so you can make a timely decision and focus on what’s important: your municipality.

Simplify your payments by consolidating your monthly statement. It’s complimentary for you if you have two or more accounts.*

Download sample combined statement

How to enroll

Complete the enrollment form and return it using the address or fax number listed on the form.

Combined billing will begin with your next billing cycle after enrollment is completed.

Download Enrollment Form

*This program is available for customers with two or more accounts.

We’re here to help your business run more efficiently.

  • At Koons Ford, our Commercial Finance and Lease programs are designed with your business in mind. Our flexible solutions provide the support you need to make smart financial decisions for your business.

We’ll come to you.

  • We recognize your time is important, so we’ll meet you at your place of business.  Our experienced sales team specializes in commercial financing, and we’ll work with you to choose a program that fits your business needs.


View & Download Documents


Back to top