Your Trusted Partner in Equipment Financing Since 2007

At Commerce Financial Services, LLC, we believe time is money—and we don’t waste either. Founded in 2007 and proudly licensed in the State of California (NMLS# 2441333), we’ve built our reputation on doing things differently: real people, realistic timelines, and real results. With over 75 years of combined industry experience, our dedicated team brings unmatched expertise to help you secure the capital and equipment your business needs to grow—fast, simple, and with clarity.

From day one, our mission has been to simplify business financing for hardworking entrepreneurs, operators, and owners across the U.S. Whether you’re acquiring a new fleet of trucks, updating your construction equipment, investing in cutting-edge tech, or launching a brand-new venture, we’re here to fast-track your success without the hassle of traditional banks.

Why We Stand Out

• Nationwide Coverage: We proudly serve clients coast-to-coast, across every industry vertical.

• Personalized Service: You’ll speak directly with a live specialist—no bots, no waiting.

• Proven Results: With an 85%+ approval rate, we outperform traditional banks every step of the way.

• Full Transparency: No runaround. No endless emails. Just honest, expert guidance.

What We Offer

• Equipment Financing (New & Used)  
• SBA Loans  
• Working Capital  
• Franchise Financing  
• Real Estate-Backed Loans  
• Software, Tech & Robotics Equipment  
• Section 179 Tax Benefit Guidance  
• Vendor & End User Programs

Meet the Team Behind the Solutions

Mason L. Gillespie – Founder & Principal
As the founding member of Commerce Financial Services, Mason brings years of lending expertise and entrepreneurial insight to the business. He has been a trusted source of funding solutions since the company’s early roots in 2007, with a clear focus on client service and practical results.

Ann Henrich Holder, CLFP – Finance Manager
With over 20 years in the equipment finance industry, Ann is a Certified Lease & Finance Professional (CLFP) — a respected credential in the commercial finance space. Her deep knowledge, hands-on approach, and commitment to transparency make her a cornerstone of the CFS customer experience.

Specialized Experts
From sub-prime auto lending to invoice factoring, our extended team has worked across a range of financing models and credit profiles. This network of professionals allows us to structure deals that work — even when traditional banks say no.

Our Approach: Real People. Real Support. Real Results.

We know how frustrating it can be to deal with slow approvals, vague timelines, or impersonal call centers. That’s why we do things differently.

When you reach out to Commerce Financial Services, you connect with a real person — someone who listens, understands your goals, and gives you honest answers upfront. Our job isn’t to waste your time or oversell you. It’s to help you get the financing you need, at the best terms possible, with no guesswork or unnecessary delays.

Whether you’re applying for $25,000 or $1,000,000’s, our team is here to guide you through the process with clarity, speed, and full transparency.

Built on Trust. Driven by Results.

Since our founding, we’ve remained a boutique financial partner — not a giant lender or faceless brokerage. That means we can move quickly, stay flexible, and offer the white-glove service our clients deserve. Our reputation is built on repeat business, word-of-mouth referrals, and the success of the businesses we serve.

If you’re looking for a financing partner who values your time, your goals, and your growth — let’s talk.