TRAC Leasing vs. Traditional Financing

October 2015

2016 Mack Granite GU713
Tri-Axle Dump Truck


17’6″ Beau Roc dump body
MP8 13 liter engine
425 Horsepower
Allison 4500 Auto Trans
18k lb. FA/46k lb. RA
20k lb. Hendrickson lift axle with wheels and tires
Aluminum Disc Wheels
Includes 60 month/300,000 mile engine, EA harness/Sensors and EATS warranty

What is TRAC leasing and have you considered it for your fleet?

The following details provide insight regarding the benefits of a TRAC lease, including cash flow savings of over $63,000 versus traditional financing during the term of the lease.

TRAC Lease* Traditional Financing*
Money Down $0 $0
First Payment 30 days in arrears due at signing
Monthly Payment $2,483.79 $3,540.77
End of 60 Months ↓ $73,000 residual 100% Ownership
TRAC Lease End of 60 Months $73,000 residual options: Trade, Refinance or Sell (today’s market value est. at $90k**)

Trade-Ins accepted. Trade in your used truck(s) to reduce your monthly payments.

TRAC Lease Advantages:
Cash Flow Reduce monthly payments by over $1,000 per month, totaling over $63,000 for the term of the lease.
Taxes TRAC leases are considered an operating lease, thus the monthly payment is potentially 100% tax deductable.
Equity If the market value of the truck exceeds the residual loan balance, the remaining value results in asset equity.
In the example above, the estimated value after 60 months is $90,000, resulting in $17,000 in equity.
Flexibility At the end of the lease term, you have the option to sell, trade, or refinance the balance and keep the truck.
Deferred payment plans available to eliminate payments according to your business seasonality. No mileage limitations.
Interest Rates TRAC loans typically qualify for lower interest rates than traditional financing.