Commercial Finance

Bringing a personal touch to your commercial ventures.

If you’re looking to optimize depreciation, lower your monthly payments or monetize assets, we offer solutions to help you boost your bottom line and grow the value of your business. Evolve Commercial Finance (E.C.F.) is a subsidiary of Evolve Bank & Trust, E.C.F. offers equipment loans and leases for commercial applications to businesses throughout the U.S.

Industries & Equipment Types

  • Construction
  • Transportation
  • Manufacturing
  • Material Handling
  • Healthcare
  • Energy
  • Waste and Environmental Management

Benefits of Equipment Finance

  • Manage business cash flow
  • Preserve existing lines of credit
  • Minimize or avoid down payment
  • 100% financing on qualified equipment
  • Make payments to match your income stream
  • Improve financial ratios
  • Optimize potential tax benefits
  • Improve options for equipment purchases, upgrades or replacement
  • Reduced documentation

Recent Transactions

Materials Trucking Company

$500,000 finance lease

Third generation owners needed to fast funding for acquisition of new trucks.  Evolve Commercial Finance quickly analyzed their complex ownership structure and provided repayment terms that fit their cash flow needs.

Utility Equipment Rental Company

$2,000,000 loan

A rapidly growing utility truck rental company came to Evolve Commercial Finance needing funding for growth CAPEX. In less than two weeks we put together a funding solution that put additional equipment on the job and earning valuable revenue.

Industrial Services Company

$2,500,000 finance lease

Private equity backed industrial services company needed a partner to restructure cash flows related to their rental equipment.  Evolve Commercial Finance provided a solution that not only addressed their cash flow needs but also enabled them to acquire new work trucks.


Evolve Commercial Finance offers equipment loans and leases for many segments of the construction industry, including:

  • Heavy Highway and Street Construction
  • Land Excavation and Clearing
  • Residential and Commercial Refuse Companies
  • Sand, Gravel and Redi-Mix
  • Structural Steel Erection and Rigging
  • Water, Sewer and Utility Construction
  • Wrecking and Demolition
Examples of Equipment Financed
  • Dozers
  • Construction Trucks & Trailers
  • Cranes
  • Excavators
  • Graders
  • Loaders
  • Pavers
  • Scrapers


We offer a full suite of truck and trailer financial products to serve for-hire fleets and private fleets:

  • Equipment- New and used Class 8 and medium duty power units, and all commercial trailers
  • Heavy-duty tractors and trailers
  • Medium-duty vehicles
  • Utility trucks
  • Waste and recycling vehicles and collection equipment
  • Loan – Fully amortized or to a balloon
  • Lease – TRAC Lease (new or used units), $1 out, stated purchase option, FMV
  • Contract length of 24-84 months
  • Transaction size from $250,000 to $5,000,000
  • Flexible payment plans to fit your cash flow needs


Evolve Commercial Finance is experienced in financing and leasing various types of equipment within the manufacturing industry including:

  • Machine Tools
  • Fabrication Equipment
  • Packaging & Food Processing Equipment
  • Plastic Injection Molding Equipment
  • Printing Equipment

Material Handling

Evolve Commercial Finance provides loans and leases to end users across the nation.  From leasing lift trucks to racking or scissor lifts, we’ll create a solution that meets your equipment needs and budget.

Equipment we finance:

  • Aerial Work Platforms
  • Boom Lifts
  • Lift Trucks:
    • Electric
    • Gas
    • Rough Terrain
    • Jumbo
    • Container Handlers
  • Engineered Systems
  • Personnel Carriers
  • Piggy Backs
  • Sweeper Scrubbers
  • Telehandlers
  • Trailer Spotters


We have flexible lease options, affordable equipment purchase plans to help you acquire the health care equipment you want, without hindering your financial flexibility. Our team delivers flexible financing options that manage costs, conserve cash, and minimize clinical, technical, and operational obsolescence. Rely on us to provide loans and leases that make it possible for healthcare providers to offer their patients the very best available imaging and diagnostic equipment.

Energy & Environmental Services

Evolve Commercial Finance helps to meet the energy needs of our communities by providing capital to businesses that provide products and services to energy producers and providers.

  • Energy related transportation and hauling
  • Oilfield services companies
  • Materials companies
  • Solar energy for commercial applications

Rely on Evolve Commercial Finance’s experience to understand and structure loans and leases for waste processing and environmental management companies.

  • Front and Rear Refuse Trucks
  • Roll Off Refuse Trucks
  • Septic Trucks
  • Vac Trucks
  • Jetting Equipment
  • Containers
  • Sweepers

Application Documents

Download Commercial Finance Application Documents below:

Increase Your Working Capital

Capital is one of the key inputs for productivity. By establishing a solid, long-term relationship with a lending institution like Evolve Bank & Trust, you can increase your options for financial loans. As we get to know you, we will have a better understanding of your business needs.

As you grow, you will face new financial challenges. A startup has few employees and has to spend time establishing itself — proving that its products and services have a viable market. Once the business begins to take off, its needs change and its leadership can begin to think about expanding.

Small businesses will tend to have fewer assets, but in Evolve Bank & Trust’s more than 85 years in the banking industry, we’ve learned that every business is unique. We will look at your company history, credit rating and assets to determine if you qualify for a commercial loan. Loan approval can be more difficult for small businesses, but we do our best to find commercial finance products that give your company the help it needs to succeed.

Why should I choose your bank for commercial finance?

We seek to provide businesses of all sizes with the capital they need to be successful. All big businesses start as small businesses. Therefore, we hope to develop a strong bank-client relationship early on and be there for you as you grow.

We also try to provide you with a more personalized banking experience. Nobody is a number.

Finding the Right Commercial Loan

Each business has its own needs. By developing a strong relationship with you, we can learn about your company. Eventually, we hope to anticipate your capital needs.

Our loan representatives can suggest a certain financial package that may meet your specific needs. We have seen what other companies have needed and can offer the same to you.

Our Commercial Loan Terms

Our commercial finance department can offer you a variety of financing options and loan terms. We seek to help you identify the best financing to fit your needs. 5 year loan terms are popular, because they provide you with plenty of time to grow your business as you repay the loan.

Contact us to get started and find out what our commercial finance products can do for your growing business!

Get started with Commercial Finance

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