Financing That Fits How You Operate
TRAC leases, walk-away leases, dollar buyouts, traditional loans — we work with multiple lenders and know which structures fit businesses, non-profits, churches, and municipalities. Most decisions in 24 hours.
Five Ways to Structure the Deal
There's no single right answer — the best structure depends on your cash flow, how long you keep vehicles, and how you're organized. Loan and lease terms run as long as 84 months.
Traditional Loan
Straightforward financing — you own the vehicle from day one and build equity with every payment. Best when you plan to run the vehicle well past the loan term.
TRAC Lease
Terminal Rental Adjustment Clause lease — lower payments with a pre-set residual value. Popular with commercial operators who want payment flexibility and a known end-of-term number.
Walk-Away (FMV) Lease
Fair-market-value lease. Use the vehicle for the term, then return it and walk away — or buy it at market value. Good for fleets that rotate vehicles on a schedule.
Dollar Buyout Lease
Lease-structured payments with a $1 purchase at the end. You know from day one the vehicle is yours — and many organizations choose it for how the lease is treated on their financial statements.
Municipal & Non-Profit Programs
Structures built for churches, non-profits, and government buyers — including board-resolution leases and grant-funded purchases. We handle the paperwork requirements with you.
Not sure which fits?
Let's talk through how your organization buys and uses its vehicles — we'll walk the pros and cons of each option with you.
What a Monthly Payment Looks Like
Sample loan payments at today's typical terms, by vehicle price and term length. Lease options are also available at a lower monthly payment, and both loans and leases can run out to 84 months.
| Vehicle price | 60 months | 48 months | 36 months |
|---|---|---|---|
| $50,000 | $1,022/mo | $1,233/mo | $1,586/mo |
| $100,000 | $2,044/mo | $2,466/mo | $3,173/mo |
| $150,000 | $3,066/mo | $3,699/mo | $4,759/mo |
| $200,000 | $4,088/mo | $4,932/mo | $6,346/mo |
What We'll Need From You
Having these ready is the difference between a same-day decision and a week of back-and-forth:
- Driver's license
- Two most recent years of business tax returns (commercial buyers)
- Three most recent months of business bank statements
- Non-profit / religious / municipal: 501(c)(3) letter or municipal authorization
- Lease structures: voting board resolution authorizing the lease
Get Pre-Qualified
Tell us the basics and we'll match you with the right structure and lender — no hard credit pull to start the conversation.
Got it — we're on it.
Thanks for reaching out. A member of the BRBS team will contact you shortly — usually within the hour during business hours, or first thing the next business day.
Financing questions? Just ask.
Five minutes on the phone usually answers what an hour of reading can't.
3175 East Andrew Johnson Hwy, Greeneville, TN 37745 · Mon–Wed 9–5 · Thu 9–4 · Fri 9–4 · sales@blueridgebus.com