Need Commercial auto(PG ok) loan for private party purchase.

[jinglebellss]

It's for a new 6 months old limousine company.

My Fico 8's are between 710-750

Two paid charge offs from 2017 and 2019 but no repos

Under 4% utilisation with ~10k available credit 

AI: 102k

One personal auto $5k remaining of $7k, planning to pay this down to $300 to optimize scores. 

Im looking for two business auto loans totaling 85k, i can put down upto 20% and can PG. But the vehicles i want to purchase are private party. 

Any leads where I should be looking?

[pizzadude]

I'll move this to Auto Loans for better visibility. 

[sccredit]

Are these true limousines? Best bet may be an equipment finance broker. I had a client with a custom built Sprinter van for a limo company and a broker in Irvine was able to get it financed.

[GreatLife]

Farmers Bank might be an option. My spouse purchased an RV van last year that was mysteriously financed by them as a commercial loan even though he applied for personal and has never owned a business. We only realized when his online account registration was under commercial lending and he called to verify it was correct. The loan doesn't report to any CB's although I do believe is PG because the app hard pulled on Experian. He also accepted a Visa invitation from them about  2 months ago and approved with a soft pull. I don't think Farmers Bank is associated with Farmers Insurance or their credit products, and don't know if geo fenced. Good Luck

[fury1995]

Bank of America and Chase Auto do Business with Coapplicant. Ally does Business with and without Coapplicant. I'd start there so long as you don't have prior negative relationships with any of them.