Heavy-duty tow truck at golden hour
00 / The Opportunity

A preferred finance laneinto the world'slargest tow maker.

Commercial Fleet Financing is opening one seat at the table. A single bank partner. Exclusive economics on $800M of annual Miller Industries volume.

Heavy-Duty Tow$800M Annual Volume70 Dealer Network30+ YearsExclusive Finance Partner$50M Capital Path
Heavy-Duty Tow$800M Annual Volume70 Dealer Network30+ YearsExclusive Finance Partner$50M Capital Path
01/CFF history & towing expertise

30+ years deep in commercial equipment finance. Built around the tow industry.

1995
Operating since
$2B+
Equipment financed
20,000+
Units placed
03/The Miller opportunity

Exclusive economics. A captive funnel.

Miller tow truck fleet at dealership at dusk
Exclusive
Finance partner arrangement
$800M
Annual Miller tow sales
70
Dealer network nationwide
Program economics
1 pt to dealers · 1 pt to Miller
Credit apps / month
Volume modeling underway
Annual opportunity
Sized to bank capacity
04/What CFF needs from a bank partner

Fast decisions. Competitive buy rate. A tow-specific credit box.

01

Right of first refusal

One bank partner. Structure to be defined together.

02

Target buy rate

6.2% in the current rate environment.

03

Dedicated bank support

1–2 service reps across approvals, docs, funding, service.

04

Tiered credit box

Pricing and terms aligned to risk tiers.

05

Longer terms

Tow trucks financed up to 10 years.

06

Model-year flexibility

No age restriction on model year.

04.6/Deal economics

Size your share of the funnel.

Capture rate of $800M Miller volume15%
5%20%40%60%
Annual originations
$120M
Avg ticket
$185K
Units / year
649
Projected annual book
$120M

At a 15% capture rate of Miller's $800M annual tow volume, your bank funds $120M in originations per year — protected by exclusivity, fed by a captive 70-dealer network.

Illustrative. Final program economics modeled in term sheet.

05/Helping CFF go on book

$50M
capital path
to scale.

A program ask sized to hold the deals, fund the volume, and grow the Miller book without leaving capacity on the table.

One partner. One program. One conversation away.