We help you get the truck.
Sparta Motors doesn't finance directly. We work with commercial lenders and banks who do — and we'll connect you with the right one.
Three steps to financing.
Straightforward process. No surprises, no runaround. Most buyers get an answer within a business day.
Find your truck
Browse our inventory or tell us what you're looking for. Once you know the truck, we can move on financing in parallel.
Tell us about your business
Fill out a short pre-qualification form. Business info, personal info, rough downpayment. Takes about 10 minutes.
We connect you with a lender
Based on your situation, we send your info to a lender we work with who specializes in commercial vehicles. They’ll reach out directly.
Documents to have ready.
Every lender's list is a little different, but these are the basics. Have them ready and pre-qualification is fast.
Business Info
EIN, years operating, industry, annual revenue estimate.
Personal Info
Legal name, SSN, home address, approximate credit range.
Down Payment
Typically 10–20% depending on credit and lender. Cash or trade-in both work.
Bank Statements
Last 3 months of business bank statements. Shows the lender you can carry the payment.
Truck of Interest
The specific truck you’re pre-qualifying for. VIN or stock number is enough.
Trade-In (Optional)
Have a truck to trade in? Year/make/model and rough condition helps us structure the deal.
Heads up
Sparta Motors is not a lender.We do not process loans or approve credit. Financing decisions are made by the lender, not by us. We just help make the connection so you don't have to shop lenders yourself.
Start pre-qualification.
Fill this out, and we'll get you in front of a lender who works with commercial buyers. Usually one business day for a first response.
Pre-qualification form
This is our standard inquiry form with financing pre-checked. Same as the form on any truck listing — we just skip the "truck of interest" if you don't have one picked yet.
Prefer to talk to a person first? (864) 266-5347