Funding pre-call tool

Estimate what a down work vehicle may be costing before you replace it.

For contractors, delivery operators, towing companies, landscapers, and mobile service teams comparing repair downtime against adding or replacing a commercial vehicle.

Downtime cost estimator

This is a planning worksheet, not a credit application or financing approval.

Enter your numbers and build the note.

How to use the result

Good pre-call fit

Monthly downtime cost is material, current repairs are stacking up, demand is being missed, or a replacement vehicle would unlock booked work.

Have these ready

  • Vehicle use case and body/upfit needed.
  • Estimated budget or payment target.
  • Self-reported credit range, usually 650+ for stronger fit.
  • Years in business, fleet count, and rough timeline.

Do not submit SSN, DOB, bank statements, tax documents, or hard-credit consent through anonymous forms. No financing approval is guaranteed.