Finance and Lease Options
As a commercial customer, there are a variety of factors to consider when choosing the financing option that suits your needs. Preserving cash flow, tax implications and depreciation benefits are just a few.*
COMMERCIAL RETAIL FINANCING
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Customer owns the vehicle at the end of the term
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Depreciation benefits
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Balloon and skip payment options**
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Delayed first payment, up to 90 days**
TRAC LEASING
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Most commonly used leasing instrument for commercial vehicles
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Open-ended lease with TRAC (Terminal Rental Adjustment Clause)
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Customer is responsible for the residual value so the original residual is determined with customer input**
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Multiple options at lease-end including acquiring the vehicle or receiving the excess proceeds upon MBFS’ sale of the vehicle (if applicable)**
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No acquisition fee or up-front payment**
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No excess mileage charges
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Payments may be expensed against income*
ZERO TRAC LEASING
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Many of the same benefits as a traditional TRAC Lease
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Fully amortized lease offering ownership at lease-end with little or no cash outlay^
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Payments may be expensed against income*
FAIR MARKET VALUE (FMV) LEASE
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Close-end leasing with mileage allowances
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No acquisition fee or up-front payment**
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Payments may be expensed against income*
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Meets all requirements of an operating lease*
VEHICLE LINES OF CREDIT
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Eliminate the need for a credit application for each subsequent vehicle contract
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Allow fleet managers to plan ahead for future acquisitions
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Special rate and credit line structures based on fleet size
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Enables customers to acquire vehicles under any of the Sprinter and Lease Options
* Consult your tax or financial advisor for tax and accounting treatment.
** Actual rates, terms, down payment and program eligibility will be determined by the Mercedes-Benz Financial Services Credit Team based upon creditworthiness of customer.
^ Sales tax may be due in some states
