Call Now 1-760-717-0845
Call Now 1-760-717-0845
Our Services
Fueled by Equipment. Backed by Experience. Built to Grow. At Commerce Financial Services, equipment financing is at the heart of what we do — empowering businesses to acquire commercial trucks, essential tools and machinery they need to operate, expand, and lead. But we don’t stop there. Whether you're seeking working capital to maintain momentum, SBA loans to fuel long-term growth, franchise or fleet financing to scale operations, or tech-driven solutions to stay ahead of the curve — our seasoned team delivers funding that moves with your vision. With decades of real-world lending expertise and a no-nonsense approach, we simplify the process and secure the capital you need — clearly, quickly, and confidently.
01
Equipment Financing
Secure funding for new or used equipment that powers your productivity.
Get the tools you need without draining cash flow — trucks, machinery, tech, and more.
02
Working Capital Loans
Flexible funds for day-to-day operations, cash flow gaps, or growth opportunities.
Use it your way — inventory, payroll, expansion, or anything in between.
03
SBA Loans
Government-backed solutions for startups and small business growth.
Competitive rates, longer terms, and lower payments to fuel your next chapter.
04
Technology Financing
Upgrade your tech stack or invest in cutting-edge software and robotics.
Stay competitive with smart, flexible financing for modern business tools.
05
Fleet & Build Financing
Fund your fleet or complete construction projects on time and on budget.
Whether you’re scaling logistics or finishing a development, we’ve got you covered.
06
Franchise Financing
Start or expand your franchise with customized lending options.
From build-out to launch — we help fund your franchise success story.
Initial Inquiry
Contact our team by phone or through our quick online form to get started. No obligation—just a conversation.
Needs Assessment
We’ll discuss your goals and the type of equipment or capital you’re seeking to determine the best-fit financing options.
Document Collection
We guide you through gathering the minimal documentation needed—no unnecessary paperwork.
Tailored Financing Strategy
Our experts build a customized plan based on your timeline, budget, and business needs.
Application Submission
Fill out our simple one-page application. We handle the rest.
Same Day Review
We review your submission quickly and connect with you to clarify any details if needed.
Approval Notification
Most approvals are returned within 24–48 hours. You’ll receive full terms clearly explained.
Contract Execution
We send you the final documents for signature—secure and straightforward.
Funding and Purchase
Funds are released or equipment is paid directly—fast and securely.
Ongoing Support
We're still here after funding. Whether it’s future needs, vendor referrals, or expert advice, you’ve got a lifelong partner in us.
10 Steps to Success
Your Journey to Smart Financing Starts Here
How to Complete Your Application Step-by-Step
Ready to Apply? Here’s How It Works:
Start by clicking the button “Start Application” This form gives us the initial details we need to match you with the right financing solution.
Once submitted, we’ll email you a personalized, fillable PDF application based on the type of funding you’re seeking.
We’ve designed this process to be simple, secure, and streamlined — so you can get the financing you need without delays.