Will CAG fund a higher-credit applicant at sharper rates?

CAG's rates run higher than CFF's even on better credit because their book is concentrated on no-FICO and revenue-based programs. Prime-credit applicants usually win at CFF or Balboa.

Can CFF do no-FICO underwriting?

CFF has revenue-based and limited-credit programs but isn't as aggressive on no-FICO as CAG. The lowest-credit owner-operators typically have better odds at CAG.

Which has longer terms?

CFF — up to 72 months on newer trucks. CAG typically caps at 60 months on the no-FICO programs because the truck collateral profile drives a shorter term.

Are down payments comparable?

On prime credit, similar. On sub-prime or no-FICO, CAG often asks for 15-25% down vs CFF's 10-20%. Larger down lowers the lender's risk and unlocks longer terms.

Both fund inside 1-3 days post-approval. CFF can be marginally faster for repeat customers; CAG's narrower trucking-only scope sometimes means quicker decisions on edge cases.

Commercial Fleet Financing vs CAG Truck Capital — Truck Financing Comparison

CFF and CAG both specialize in trucking financing and both cover mid-tier and sub-prime credit. CFF is broader equipment-finance with deep trucking emphasis. CAG is truck-only with a more aggressive no-FICO program for owner-operators with damaged credit.

Editorial estimates — verify rates with providers.

Side-by-side

	Commercial Fleet Financing	CAG Truck Capital
Tagline	Trucking-specialized lender with broad credit-tier coverage.	Truck-only direct lender with no-FICO revenue-based programs.
Rate range	8% - 25% APR	10% - 28% APR
Credit floor	550 FICO	No FICO programs available
Terms	36-72 months	36-60 months
Down payment	0-20% depending on credit	10-25% on no-FICO
Funding speed	1-3 days	1-3 days
Best for	Mid-tier credit on newer used trucks	Damaged-credit owner-operators with strong revenue

Commercial Fleet Financing

Trucking-specialized lender with broad credit-tier coverage.

Pros

Wide credit-tier coverage (550-700+ FICO)
Strong used-truck program
Direct lender
Established underwriting on trucking-specific risk

Cons

Higher rates on sub-prime than CAG's no-FICO program in some cases
Trucking-only scope limits trailer or ancillary equipment financing
Down payments scale with credit and equipment age

CAG Truck Capital

Truck-only direct lender with no-FICO revenue-based programs.

Pros

No-FICO programs (revenue-based)
Truck-specific approval logic
Direct lender
Funds inside 1-3 days

Cons

Higher headline rates than CFF for prime credit
Truck-only — no trailer or ancillary
Larger down payments on no-FICO programs

Which should you choose?

Both are strong trucking lenders; the choice is credit-driven. With 600-700+ FICO and decent revenue, CFF prices sharper and offers longer terms. With damaged credit (sub-600 or recent hits) but solid revenue, CAG's no-FICO program is more likely to fund the deal. For borderline cases — submit to both and compare.

Get quotes from both providers

Submit one profile and we'll match you with Commercial Fleet Financing, CAG Truck Capital, and other vetted truck financing providers.

FAQs

Will CAG fund a higher-credit applicant at sharper rates?: CAG's rates run higher than CFF's even on better credit because their book is concentrated on no-FICO and revenue-based programs. Prime-credit applicants usually win at CFF or Balboa.
Can CFF do no-FICO underwriting?: CFF has revenue-based and limited-credit programs but isn't as aggressive on no-FICO as CAG. The lowest-credit owner-operators typically have better odds at CAG.
Which has longer terms?: CFF — up to 72 months on newer trucks. CAG typically caps at 60 months on the no-FICO programs because the truck collateral profile drives a shorter term.
Are down payments comparable?: On prime credit, similar. On sub-prime or no-FICO, CAG often asks for 15-25% down vs CFF's 10-20%. Larger down lowers the lender's risk and unlocks longer terms.
Which is faster?: Both fund inside 1-3 days post-approval. CFF can be marginally faster for repeat customers; CAG's narrower trucking-only scope sometimes means quicker decisions on edge cases.