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:

Get started with Commercial Finance

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