Pacific Enterprise Bank
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Loan Products

Truck Loan Program

Pacific Enterprise Bank has a dedicated division for the purchase and/or refinancing of on-road heavy duty diesel vehicles through funds made available by the Air Resources Board and CalCAP.  We lend to both independent owner operators and company owned fleets.  This program allows an owner to upgrade their fleet to meet new emission standards.

Qualified Vehicle Purchases

  • 2007 or newer engine model for on-road heavy-duty diesel fueled or liquid natural gas (LNG) vehicles with a gross vehicle weight rating (GVWR) greater than 14,000 pounds
  • 2011 or newer 53’ or longer box-type trailers, diesel exhaust retrofits and United States Environmental Protection Agency-approved SmartWay aerodynamic technologies

Borrower Qualifications

  • Must have 100 or fewer employees
  • $10 million or less in annual revenues
  • 40 or fewer heavy-duty diesel vehicles in the fleet
  • 51% of annual truck miles must be within California

*Loans up to $2,500,000 (must be financed outside of the CalCAP lending program if larger)


For Inquiries:
Marc Merino

Phone: (949) 623-7594

Equal Housing LenderFDIC