Business Auto Finance and Lease
Solutions that keep your business customers in the driver’s seat.
We’ve got the team, expertise and products you need to meet the auto financing goals of your business customers, from funding aftermarket customizations to building a fleet.
Contact us
Commercial Services Group (CSG)
Our business is your business, and our CSG team is ready to help you achieve your goals.
We offer:
Expert assistance – CSG Account Executives with advanced knowledge of commercial auto financing and leasing to provide you with expert guidance and answer your questions
Dedicated support for you – A team that only serves dealers with commercial lending, so it’s easy to get support in sales, underwriting, funding and servicing, seven days a week
Superior service for your customers – A dedicated customer service team to personally assist your business customers, because satisfied customers are more likely to do business with your dealership again
Popular tools and guides.
ComTRAC Quick Quote ToolFleet Credit LineDealertrackResidual Value Lease GuideRouteOneView allFinance Products
Retail Finance and SmartLease®
Financing solutions for business customers who want predictable costs and competitive rates.
Learn MoreComTRAC® Lease
An open-ended lease that gives businesses more control of leasing terms and mileage.
Learn MoreMunicipal Lease-Purchase Plan
A plan specifically designed for municipalities that intend to own their vehicles.
Learn MoreMultiple vehicles. One eContract.
With Multi-Asset eContracting, financing multiple vehicles with Ally has never been more convenient. Move to paperless contracting and further increase efficiency with benefits that include:
Convenient electronic signing for 1-100 vehicles on one eContract
Full eContracting capabilities within the Ally Business Vehicle Financing portal, including attaching documents
Paperless documents automatically transferred to Ally funding, eliminating the need to print and mail
Accessibility on your PC, phone, and tablet
80% reduction in signatures and a 10x reduction in pages
A streamlined contracting process to fit your business customers' needs
Commercial Vehicle Multi-Asset eContracting isn’t available in all states, so ask your Ally Commercial Account Executive for more details.
Special options
Commercial Line of Credit
Provides flexible, pre-approved credit for qualified companies to finance, lease and/or convert vehicles for business use through affiliated dealers and vehicle upfitters.
Ally now offers an online portal to upload documents required to process a Commercial Line of Credit Application. You can start uploading documents here.
Dealer benefits
Provides funding your customers can use to acquire vehicles from your dealership
Streamlines your dealership’s commercial vehicle delivery process
Enhances customer retention
Facilitates sales opportunities for uplifts, service and F&I products
Customer benefits
Preserves bank credit lines for other commercial business needs
Credit line conditionally available for one year
Convenient billing and payment options such as Auto Pay and consolidated billing statements
Financing in the name of the business.
With Ally there are 2 ways for your business customers to finance in the name of their business:
Business name only
If a business can qualify for financing without the owner’s guaranty, it can obtain financing in the business name only. This gives owners the ability to save their personal credit for other uses.
Third Party Guaranty
When a business owner wants to purchase or lease vehicles in the name of the business − but the business entity alone doesn’t qualify for the credit needed − the owner/officer may act as a third party guarantor.
Builds credit in the business name only
Keeps the debt off the business owner’s personal credit report, unless the owner acts as guarantor and is unable to pay in the event of a default
Protects the owner from liability related to the operation of the vehicle, since the owner’s name stays off the vehicle’s title and contract (unlike a co-buyer/co-lessee whose name appears on the title and contract)
FAQs
We have answers.
Yes. Our Third-Party Guaranty is designed to help keep business transactions at arm's length and personal names off the vehicle contract and title.
Business owners still provide the additional financial backing that we may require, while keeping the business obligation off their personal credit report, except in the event of default.
Yes. Ally will finance eligible conversion packages, including:
Refrigerated bodies
Utility bodies
Dump bodies
Storage boxes
Business-only transactions provide eligible, established companies the ability to get financing solely in the company's name without the need for a guarantor or co-buyer on every transaction.
Check out the Tools and Guides page for helpful resources, calculators, and business forms.
Every transaction is evaluated independently, with the strength of the transaction determining if business name only is an option.