Sprinter Financing & Leasing · Hoffman Estates, IL
From single-van startups to established commercial fleets, Mercedes-Benz Financial Services offers financing and leasing solutions designed specifically for commercial van customers with up to 100% financing and no maximum amount financed.
Financing Solutions
Whether you want to own, lease, or maintain flexible capital access, we have a solution structured for your business backed by Mercedes-Benz Financial Services.
TRAC Lease and First Class Lease two commercial structures with lower monthly payments than traditional loans. The First Class Lease is one fixed monthly payment.
Business-only loans for established companies, business loans with guarantor or co-signer for growing operations, and personal auto financing for individual operators. Four distinct paths to ownership.
A revolving Mercedes-Benz Financial Services line of credit gives established businesses flexible purchasing power draw against your approved line for single units or full fleet additions as your needs grow.
Leasing Options
Two commercial lease structures the flexible TRAC Lease and the fully bundled First Class Lease. Both offer lower monthly payments than traditional loans with multiple end-of-term options.
The most common form of commercial vehicle leasing. A Terminal Rental Adjustment Clause (TRAC) lease gives you multiple end-of-term options buy at the residual, return the van, or receive net sale proceeds if MBFS sells it for more than the residual.
An exclusive MBFS product that bundles finance and service into one fixed monthly payment covering your lease. Focus on your business, not your van.
Loan Programs
From long-established corporations to individual operators, we have a loan structure that fits where your business is today and where it's going. All retail loans can be structured to include the van, upfit equipment, and aftermarket products in one package.
Financing in the business name only no personal guaranty required. Reserved for financially strong, well-established companies with a demonstrable track record.
Key Requirement: Business must be established and operating for a minimum of 10 years, with strong business credit, financials, and demonstrated revenue history.
The loan is made to the business, but a third-party guarantor typically an owner, partner, or investor not applying on the loan personally guarantees repayment if the business defaults.
Best for: Growing businesses with solid revenue but limited business credit history, or where the primary applicant's personal credit requires separation from the business obligation.
The loan is structured with the business as the primary borrower and an individual co-signer who shares equal responsibility for the debt. Both parties appear on the loan agreement.
Best for: Newer businesses or those building business credit, where an owner or principal is willing to share the loan obligation to secure better terms or approval.
Standard consumer auto financing in an individual's name. Ideal for sole proprietors, independent contractors, or individuals purchasing a Sprinter for mixed personal/business use.
Note: Vehicle is titled in the individual's name. May still be partially deductible for business use — consult your tax advisor.
Why Finance with MBFS
No down payment required for qualified applicants. We can finance the full vehicle cost plus upfit equipment and aftermarket products in one package.
Terms structured around your budget and cash flow. Balloon payments and deferred payment options all available.
Finance the van, upfit equipment, and aftermarket products in a single loan. Used equipment financing also available.
MBFS routinely funds contracts for multiple vehicles with values exceeding $1 million. No cap on how large your fleet order can be.
Loan activation tied to your delivery schedule you don't pay for a van sitting at the port. Payments start when your business starts using it.
Streamlined application and documentation process. Consolidated billing for fleet accounts. Online account access 24/7 at mbfs.com/commercial.
MBFS offers special finance programs in conjunction with Mercedes-Benz USA promotions. Ask us what programs are available when you're ready to finance.
As the captive financial services provider for Mercedes-Benz USA, MBFS delivers competitive commercial rates. Rates based on creditworthiness of applicant.
Payment Flexibility
MBFS understands that cash flow isn't always linear. These payment structures let you match your loan to the rhythm of your business whether it's seasonal, growing, or navigating uncertainty.
Structure your loan with a balloon payment at the end. Keeps monthly payments lower and provides flexibility if you plan to sell the van or refinance before the term ends.
Qualified customers can defer payments when needed. Life and business are full of uncertainties this value-added option provides peace of mind when cash flow tightens temporarily.
Extended loan terms to bring monthly payments down to a level your business can comfortably support. Get the Sprinter configuration you need at a payment that works.
MBFS routinely funds contracts for multiple vehicles with total values exceeding $1 million. Whether you're buying one van or forty, no deal is too large.
Each year millions of vehicles are totaled in collisions, thefts, or natural disasters — and insurance settlements often don't cover the full loan or lease payoff. Ask us about MBFS business protection programs to cover the gap.
MBFS Line of Credit
A Mercedes-Benz Financial Services commercial line of credit gives your business the flexibility to add vans as your operation grows — without reapplying every time. Draw against your approved line, replenish it, and draw again.
Simple Process
Select the financing structure that fits your situation — lease, loan, or line of credit and complete the online application or download the business credit form below.
Apply online through our secure portal or call our finance team directly at (847) 865-8585. Business applicants should also submit supporting financials.
Our finance team works with MBFS and our lender network to deliver a credit decision — typically same business day for completed applications.
Sign documents digitally or in-person. Take delivery at our Hoffman Estates location or coordinate nationwide shipping directly to your door.
Apply Now
Complete your credit application securely online. Applies to all loan types, leases, and line of credit requests. Most decisions returned same business day.
Business Credit Application
Download our Business Credit Application PDF, complete it with your company information, and return it to our finance team by email, fax, or in person.
Complete business information form for MBFS credit review. Includes business entity details, financial information, trade references, and authorized signer fields for all business loan types including guarantor and co-signer structures.
What to Have Ready
Talk to Our Finance Team
Our finance specialists work with businesses of all sizes — from FedEx ISPs and franchise operators to executive fleets and individual operators. Let's find the program that works for you.
All financing and leasing subject to credit approval through Mercedes-Benz Financial Services USA LLC or participating lenders. Rates, terms, and availability subject to change without notice. Business loan eligibility requirements apply. The 10-year minimum business establishment requirement applies to business-only loans without personal guaranty. TRAC Lease and operating lease terms subject to MBFS commercial vehicle lease guidelines. Tax deductibility of lease payments and vehicle expenses should be confirmed with a qualified tax advisor. Mercedes-Benz of Hoffman Estates, 1051 W Higgins Rd, Hoffman Estates, IL 60169. ©2027 Mercedes-Benz USA, LLC.
