Call Now 1-760-717-0845
Call Now 1-760-717-0845
Top-Rated Equipment Financing for Transportation, Construction & Technology Businesses Across the U.S.
$25,000 – $1,000,000's in Funding | Simple and Secure.
One Easy Application. Capital You Can Count On.
America’s #1 Lender for Small Business
Fast Approvals
Get approved in as little as 24 hours. We simplify the financing process so you can focus on running your business — not chasing paperwork.
Custom Service
With 75+ years of combined experience, our team gives you direct, one-on-one support and personalized solutions that banks and big lenders can’t match.
Flexible Financing
Whether you're financing trucks, software, robotics, construction gear or restaurant equipment — we’ve got you covered. New or used, we make it easy.
Efficient, Reliable Financing Solutions for Growing Businesses
Whether you’re a small business owner or an established enterprise, Commerce Financial Services delivers the speed, clarity, and support you need to secure financing for the equipment that powers your growth — from Class 8 trucks and construction gear to tech systems, robotics, restaurant equipment, and more. We cut through the red tape with no hidden fees, no endless emails, and no gimmicks — just straightforward approvals, personalized attention, and funding in as little as 24–48 hours. Licensed in California and serving all 50 states since 2007.
Let’s Grow Together - Partner with Commerce Financial Services
Why Top Businesses Trust Us:
At Commerce Financial Services, we don’t just process loans — we ignite possibilities. With over 75 years of combined experience, we’ve built our name on speed, trust, and results. Whether you’re a vendor seeking a dependable financing partner or a business owner ready to scale, we move fast, deliver approvals, and protect your time like it’s our own.
Our team doesn’t hide behind emails — we pick up the phone, get to the point, and get it done. That’s why our approval rate crushes the industry average. We know what it takes to get deals closed — and we’re the right size to give you white-glove service with big-league strength.
When you partner with us, you don’t just get funding —
you get a financial ally who’s all in.
Let’s build. Let’s win. Let’s move forward — together.
Our Vision
To be the most trusted and accessible source of business equipment financing in the nation — delivering fast, transparent, and personalized financial solutions that empower entrepreneurs and business owners to grow without limits.
Let’s explore how we can help you secure the best deal for your business—starting now.
Let's Talk
Our Process
Our process is simple: We listen, assess your needs, and deliver fast, flexible financing solutions tailored to help your business grow — with no hassle or delays. Every step is transparent, so you know exactly what to expect from start to finish.
Our Mission
To simplify the equipment financing process by offering customized solutions, real human support, and industry expertise — so our clients can focus on building their business, not battling red tape.
Our Team
Our team is made up of seasoned professionals with over 75 years of combined industry experience. We’re real people, ready to answer your call, cut through the red tape, and get your financing done right — the first time.
Client Testimonials
Why Our Clients Keep Coming Back We don’t just close deals — we build lasting relationships. Here’s what our clients are saying about their experience with Commerce Financial Services.
“No time wasted — just results.”
“Working with Commerce Financial was seamless. They understood our business needs and got our equipment financed in 48 hours. No back and forth, just action.”
Marcus J., Construction Company Owner 
"They delivered when the bank said no.”
“Our bank declined us, but Commerce Financial got us approved within two days. I wish I found them sooner.”
David C., Logistics Fleet Operator 
“Real people, real service.”
“It felt good to speak with someone who actually listened. Ann and her team walked us through every step and made sure we understood the process.”
Teresa B., Restaurant Owner 
“More than financing — it’s a partnership.”
“They treated me like more than a number. The level of support and transparency gave me real peace of mind.”
Amir D., Startup Founder 