Financing

Insurance
Tax Benefits
Financing
Process
FAQ

Many buyers choose to finance their Mothership van through a bank, credit union, or specialty lender.

The structure below is a common way owners model payments when exploring options.

This page is informational only. It is not an offer of credit or financial advice.

Typical Lender Requirements

Exact requirements depend on the lender, but they often look at:

  • Strong credit history

  • Personal financial statement

  • Recent tax returns and bank statements

  • Business documents if applying through a company

Each lender sets its own underwriting standards, rates, and terms.

Example Structure

One example structure some buyers explore looks like this:

  • Purchase price: $500,000

  • Down payment: $100,000 (20%)

  • Financed over term: $300,000 (60%)

  • Balloon at end of term: $100,000 (20%)

Modeled as a 5-year lease-style or balloon structure with interest (often modeled in the 7–8% range) charged on a $400,000 total financed amount:

  • You pay 20% down at the start

  • You make monthly payments based on 60% of the price over 5 years

  • You owe a 20% balloon at the end of the term, plus any remaining interest due under the agreement

The exact payment, interest rate, fees, and final numbers are set by the lender, not by Mothership Vans.

How Buyers Commonly Approach Financing

A simple way to think about the process:

1. Choose a lender

Many buyers start with their existing bank, credit union, or a specialty van/RV lender.

2. Present the purchase price and structure you’re interested in

Share that you’re looking at a 20% down / 60% financed over term / 20% balloon structure, or ask what they recommend for a similar profile.

3. Review the offer

Look closely at the rate, term, fees, and the total cost over time.

4. Confirm with your tax and financial advisors

Especially if you plan to use the van for business, it’s smart to loop in your CPA or advisor before signing.

Important Notes

  • Mothership Vans does not provide in-house financing and does not control approvals, rates, or terms.

  • All credit decisions are made by the lender you choose.

  • Numbers on this page are examples for planning and conversation only. They are not a quote or a commitment.

  • For tax questions or business-use strategies (including Section 179), consult a qualified tax professional.