Fincera provides heavy truck leasing services to individuals and small businesses operating in China's transportation industry. Fincera currently operates China's largest commercial vehicle sales, leasing, and support network. Through our nationwide network of more than 450 service centers, we offer a superior one-stop shopping experience that enables our customers to conveniently and affordably own and operate commercial vehicles.

Our customers typically complete their vehicle purchase through our 26-month lease-to-own program, during which time Fincera has the legal rights to the vehicle. We offer a wide variety of trucks from leading manufacturers in China. We are currently focused on Class 8 heavy trucks (over 15 tons Gross Vehicle Weight Rating) given this segment’s short replacement cycle of approximately 3-4 years.

In addition to our leasing business, we also broker vehicle insurance and provide value-added administrative services to our customers.


  • 1China has the largest market in the world for heavy trucks, nearly three times the size of the US market.
  • 2Demand for cargo-transporting vehicles/semi- and full-trailer trucks driven by increasing domestic consumption.
  • 3Heavy truck sales driven by continued development of China's manufacturing sector and infrastructure as well as stricter emission standards.
  • 4Chinese individuals and small business owners in the road transportation industry have limited access to capital due to stringent bank requirements.
  • 5Heavy truck financing is a highly fragmented market consisting mainly of individual operators in rural regions.