Buyer tips

How to buy commercial vehicles if you don't have enough funds

ММаксим· SMMAugust 27, 2026 4 min read

If an enterprise or entrepreneur has confirmed cash flow, a tractor unit, truck or semi-trailer can be purchased using a loan or financial lease.

TIRkomis helps select equipment from the catalogue and transfers the interested buyer to the financial partner. The partner, not the marketplace, determines solvency verification, financing decision and contract terms.

[c:orange]Credit or financial lease: what's the difference[/c]

Question	Credit	Financial lease
How is the purchase made	Buyer receives a loan and buys the equipment themselves	Leasing company buys the selected equipment and transfers it to the buyer for use
Who owns the equipment	Buyer, but equipment may be pledged	Leasing company — until contract conditions are met
What does the buyer pay	Initial payment, loan amount, interest and possible commissions	Advance and regular lease payments
What happens after payments are completed	Pledge is removed from equipment after loan repayment	Equipment may transfer to buyer ownership according to contract terms
Who it may suit	Businesses that need to register equipment as their own immediately	Businesses that need to start using equipment without paying the full amount
Who makes the decision	Bank after document and cash flow verification	Leasing company after document and cash flow verification

The legal basis for the second option is established by the Law of Ukraine «On Financial Leasing». The NBU supervises non-bank institutions and the rules of their operation; market requirements can be checked in the section on regulation of non-bank financial services.

Compare the full cost of financing: advance, interest, commissions, insurance, valuation, registration, early repayment conditions and consequences of default.

What the financial partner checks

TIRkomis financial partner analyses whether the business is able to generate sufficient cash flow to service the debt.

Typically, preliminary decision requires:

bank statements and confirmed cash flow;

financial and tax statements;

information on current loans, leasing and arrears;

amount of own contribution;

documents on the business and beneficial owners;

data and documents on the selected equipment.

The exact package depends on the programme and client status. TIRkomis does not guarantee automatic approval: the manager passes the buyer's contact details to the financial partner, and they independently evaluate the application and offer terms.

How to calculate your affordable budget

Determine the payment that the business can afford even during a weak season.

1. Calculate the average net operating cash flow for 6–12 months.

2. Subtract taxes, salaries, fuel, repairs and current debt payments.

3. Leave a reserve for major repairs and possible downtime.

4. Compare the projected income from the new vehicle against the full amount of payments.

Financing for TIRkomis customers is provided in hryvnias.

How the purchase through TIRkomis works

1. The buyer determines the type of equipment, budget, and own contribution amount.

2. The manager selects options from the TIRkomis catalog, which offers a wide selection of semi-trailers, tractor units, tippers, and special equipment. The request is clarified with the VIN, year of manufacture, technical condition, owner, price, and VAT format.

3. TIRkomis passes the contact and request details to the financial partner.

4. The partner analyzes the cash flow, determines the advance, term, security, and other conditions.

5. After approval, the parties agree on inspection, settlement, and re-registration.

Financing resolves the payment issue, but does not replace technical condition inspections. For example, before buying a STAS tipper with mileage, it is worth inspecting the body, frame, axles, hydraulic cylinder, and checking the equipment for signs of overloading.

Why this is also beneficial for the buyer

After financing is approved, the seller receives payment in the agreed manner, and the buyer's obligations arise toward the bank or leasing company.

For equipment on TIRkomis commission, the company provides free parking space and advertising until sale, organizes inspections, and promotes the offer through numerous sales information channels.

To discuss a purchase or place equipment on commission, call +380 97 102 65 55. New offers and test drives are published in the TIRkomis Telegram channel.

Frequently Asked Questions

Does TIRkomis guarantee credit or leasing approval?

No. TIRkomis selects the equipment and passes the buyer to a partner. The financial institution makes the decision after verifying cash flow, documents, and debt load.

What is better — credit or leasing?

Credit is advisable when the buyer wants to acquire the asset as their own property. Leasing may be more convenient when you need to use the equipment and spread costs over time. The final decision is made after comparing the total cost of both offers.