Delaware Small Business Owner Financing
Showroom Hours
- Monday7:30am-7pm
- Tuesday7:30am-7pm
- Wednesday7:30am-7pm
- Thursday7:30am-7pm
- Friday7:30am-6pm
- SaturdayClosed
- SundayClosed
Contact
Bayshore Ford Truck Sales
4003 North DuPont Highway
New Castle, DE 19720
- Sales: (302) 656-3160
- Service: (866) 427-0565
- Parts: (866) 414-8398
Key Takeaways
- Bayshore Ford arranges used commercial truck financing for businesses under two years old, using owner credit and cash flow instead of multi-year business tax returns.
- Down payments on approved startup structures generally run 10% to 20% of the vehicle price.
- Used Ford commercial vehicles on our New Castle lot currently range from $13,799 to $69,799, depending on mileage, model year, and upfit.
- The vehicle and its vocational upfit, including shelving, dump bodies, and utility bodies, can be financed together under one monthly payment.
- Bayshore Ford Truck Center has sold, serviced, and financed commercial vehicles at 4003 North DuPont Highway in New Castle since 1976.
Bayshore Ford Truck Center has been arranging used commercial truck financing for New Castle County businesses since 1976. Our used inventory covers Ford Transit cargo vans, F-Series Super Duty work trucks, E-Series and Transit cutaway box trucks, dump bodies, and stake bodies, all inspected before they reach the lot. Most new businesses hit the same wall in the same place. The lender wants two years of business tax returns, and you have four months of bank statements. Our commercial finance team structures approvals around owner credit, cash reserves, and industry experience instead, which is why a contractor who went out on his own in the spring can still put a truck to work before the Fall. We work with Ford Pro FinSimple, Ford's commercial lending arm, alongside outside lenders who write paper on used units. That combination matters for a used-vehicle buyer, because captive programs are often new-vehicle only.
How much does a used work truck cost in Delaware?
Used Ford commercial vehicles at Bayshore Ford currently run from about $13,799 for a higher-mileage Transit cargo van up to $69,799 for a low-mileage Transit 350 cutaway with a box already mounted. Price moves on three things: mileage, model year, and whether the unit arrives upfitted. Upfit is the variable most first-time buyers underestimate. A bare cargo van and the same van with shelving, a partition, and a ladder rack can sit several thousand dollars apart, and buying the unit already upfitted is usually cheaper than sourcing the work separately after delivery.
On approved financing, expect 10% to 20% down. On a $32,000 used Transit that is $3,200 to $6,400 up front, with the balance amortized over the term.
Browse our used commercial inventory for today's pricing by unit, and if you are still deciding on a body style, our guide to what to check before buying a used work van walks through the inspection points that matter most on a high-mileage commercial unit.
Inventory pricing last reviewed August 2026.
Used box truck financing for new businesses
Bayshore Ford finances used Ford E-Series and Transit 350 cutaway box trucks for businesses with no established commercial credit, structuring terms around owner credit and, where they exist, signed route or contract agreements. Box trucks are the most common first purchase we see from moving companies, appliance and furniture delivery operators, and independent freight contractors.
The reason is licensing. A single vehicle only requires a commercial driver's license once its gross vehicle weight rating reaches 26,001 pounds, per FMCSA standards, which is why so much of the market sits at 26,000 pounds and just under. Most of our 14-foot and 16-foot units fall well below that line, so any licensed driver on your payroll can operate them.
If you are working out whether the numbers support the purchase at all, our breakdown of how businesses make money with a 26-foot box truck covers the revenue models we see working locally. You can also compare specifications across our Ford box trucks before deciding between a used unit and a new one.
Used cargo van financing and inventory
Cargo van financing at Bayshore Ford covers used Ford Transit low-roof, mid-roof, and high-roof vans, with the same owner-credit structures available on trucks. Vans carry the lowest entry cost of anything in our commercial inventory, which makes them the practical first vehicle for trades, mobile service operators, and courier contractors.
The high-roof Transit is the one most last-mile operators end up in, because a driver can stand upright inside it and load without a ramp, and that changes how many stops a route can absorb in a day.
Shop used Ford cargo vans in New Castle , or if your business is specifically last-mile or parcel work, our parcel delivery vans page covers the route-ready configurations in more detail.
How our financing process works
- Tell us what the truck has to do. Call the commercial desk or send the short form at the bottom of this page with your business name, the work you do, and the body style you think you need. If you are not sure whether you need a cutaway, a stake body, or a van, that is a normal place to start, and our specialists will narrow it with you before any credit conversation happens.
- We assemble your credit picture. You provide personal credit authorization, proof of business registration such as your LLC filing or EIN letter, and three to six months of bank statements. We take that package to Ford Pro FinSimple and to our outside lenders at the same time, rather than sending it to one desk and waiting.
- We structure the approval around your cash flow. Once we know which lenders will write the deal, we come back with term length, down payment, and monthly payment options rather than a single take-it-or-leave-it number. This is also where we fold in any Ford Pro upfitting so the body work and the chassis land on one payment.
- You take delivery, and we stay on the account. Delivery happens at 4003 North DuPont Highway, or we can bring the unit to you through our Bayshore to Your Door program. Your file stays with the same commercial finance contact, so when you come back for the second truck you are not starting the relationship over.
Financing options at a glance
| Financing Option | Ideal For | Key Approval Requirement |
|---|---|---|
| Commercial installment with personal guaranty | Businesses under two years old; new LLCs | Personal credit authorization plus proof of business entity |
| Commercial Line of Credit | Multi-vehicle fleets; trade contractors adding units through the year | 3-6 months of business or personal bank statements |
| TRAC Leasing | High-mileage delivery & courier services | Low upfront capital; predictable residual buyout option |
A commercial line of credit is worth understanding early if you expect to add units. Once the line is approved, you draw against it for each vehicle instead of submitting a fresh application every time, which is the difference between adding a van in a week and adding one in a month.
For the mechanics of how commercial lending differs from a retail auto loan, including lease structures and depreciation treatment, see our commercial truck financing guide .
Can you get approved with limited business credit?
In most cases, yes. Lenders working with startup commercial buyers evaluate personal FICO, prior experience in the trade, and recent bank statements rather than years of business tax history. A personal guaranty is what makes that possible, and it keeps the vehicle title and primary liability in your company's name.
Three things strengthen a thin file more than anything else. A larger down payment reduces the lender's exposure and often moves a marginal file to approved. A signed contract or route agreement demonstrates the revenue that will service the payment. Documented experience in the same trade, even as an employee, tells the lender you are not learning the business and the vehicle at once.
There is also a tax dimension worth raising with your accountant before you buy. Used equipment qualifies for the Section 179 deduction, not just new, and the 2026 limits are published in IRS Publication 946 . Our Section 179 page covers how it applies to commercial vehicles, though your tax professional should make the call for your situation.
Why New Castle businesses finance with Bayshore Ford
Fifty years of commercial-only lending relationships. Bayshore has been writing commercial papers in New Castle since 1976, which means our desk has existing relationships with lenders who will look at a used unit and a thin file. That is not true of every Ford store, because most retail desks are built around new-vehicle captive programs.
A commercial finance team, not a retail F&I office. Kevin Worrell, John Christof and the commercial finance team work commercial deals full time, so you are not explaining what a cutaway is or why your business needs a stake body.
Chassis and upfit financed together. We finance the vehicle and the vocational body under a single monthly payment, so you are not carrying a separate equipment loan for the dump body or the utility box.
Vehicle, financing, and service under one roof. Our service department and Quick Lane keep the unit running after delivery, and commercial customers get scheduled maintenance handled at the same location that sold them the truck.
Frequently Asked Question
Yes, in most cases. Businesses under two years old can qualify by using the owner’s personal credit as a personal guaranty. Lenders weigh personal FICO, prior experience in the trade, and three to six months of recent bank statements instead of requiring years of business tax returns.
Terms on used commercial units commonly run 36 to 60 months, and the available term shortens as the vehicle’s age and mileage increase. Lenders underwrite against the unit’s remaining useful life, so a three-year-old Transit will support a longer term than an eight-year-old one at the same price.
Not unless the vehicle’s gross vehicle weight rating reaches 26,001 pounds. FMCSA rules set the Class B threshold there, which is why most 14-foot, 16-foot, and 26-foot straight trucks are built to stay just under it. Check the certification label inside the driver’s door jamb on any specific unit.
It depends on annual mileage and how long you intend to keep the vehicle. Buying makes sense when you plan to run the truck past the payoff and build equity, while a TRAC lease usually costs less monthly and suits high-mileage delivery operations that cycle vehicles every few years. Our commercial desk will run both structures side by side on the same unit so you can compare real numbers.
Yes. Shelving, partitions, ladder racks, dump bodies, utility bodies, and liftgates can be financed with the chassis under one payment, which avoids carrying a separate equipment loan at a different rate.
Have your business registration or LLC filing, your EIN letter, three to six months of business or personal bank statements, a driver’s license, and proof of commercial insurance or a quote. Having these assembled before the application typically moves an approval from several days to same-day or next-day.
Both are available. Delivery at our New Castle location is standard, and our Bayshore to Your Door program can bring the unit to your yard or job site.
Fast-Track Your Used Truck Approval
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