Questions? Call/text Jim Colbeck at 313-575-4334 
or email at

If you own a business that requires something beyond your typical vehicle, then Sterling Heights Dodge Chrysler Jeep RAM has you covered. Whether you are selecting a heavy duty truck like the Rugged RAM 2500 pickup, or anything else from the commercial RAM truck and van selection, to do the job you intend it to do is just the first step in the process. Helping you choose the right type of financing or lease program - at the most competitive rate can reduce your total cost of operation. Many of our competitors just take it for granted. Find out why you should finance at our vehicle dealership serving Bloomfield Hills!

Your commercial vehicle needs are taken seriously. This is why we work with Ally (formerly GMAC), Chrysler Capital, Hitachi Capital, Banks, Credit Unions & independent financing companies. Our goal is to ensure that you get the lowest rates, most competitive terms and lightening fast approval time.  

Below are a few examples of finance/lease products offered by our Commercial Truck finance sources:

ComTRAC - an Open-End Lease or often called a Finance Lease

Ally's ComTRAC lease is an open-ended lease that can be good for your business. This is because the cost of the vehicles can be depreciated or expensed.

Choose from a wide range of new vehicles (the vehicle has to be used at least 50% for business):

  • Passenger cars
  • Light Duty Trucks
  • Medium Duty Trucks of any make or model (including those with unusual or specialized up fits or high-mileage requirements)

A ComTRAC Lease offers a number of business benefits:

  • Tailored residual value to meet your needs ? this gives you more flexibility in determining monthly payments and managing your cash flow
  • Unlimited mileage
  • No excess wear charges
  • New vehicles to your fleet added quickly and easily
  • Terms up to 60 months

Third Party Guaranty Program

Keep your personal name off the title and finance agreement - keep the business transactions with the business

Designed exclusively with the business owner in mind, our Third Party Guaranty Program allows you to keep your business transactions with the business - and your name off of the vehicle contract and title.


  • Build credit in a business name only
  • Debt will not show up on your personal credit bureau report, unless the Guarantor is unable to pay in the event of default
  • Added protection from liability, since the Guarantor's name stays off the vehicle's title and contract. (As opposed to a co-buyer, whose name always appears on the title and contract)
  • Provides additional security on a transaction, without forcing someone to be a co-buyer on the transaction

Guarantor responsibilities:

  • Responsible for payment in the event of a default
  • If the primary customer on the contract defaults, the guarantor will be contacted to arrange payment
  • If the guarantor refuses to pay the debt, that default will be reported to both the customer and guarantor's credit bureau

Establish a Line of Credit

Ally's Commercial Line of Credit, which includes pre-approval for vehicle financing, is a convenient way for qualified companies to build business fleets without a fee.

It's flexible enough to meet the needs of almost any business, and can be applied to passenger cars or light- and medium-duty business vehicles of any make or model.

Vehicle conversions can be performed by any approved up fitter.

A Commercial Line of Credit offers businesses the following benefits:

  • An additional source of cash solely to purchase or lease business vehicles.
  • Preserves your bank credit lines for other business needs.
  • Easy and flexible service.
  • Your Commercial Line of Credit remains in effect for a full year (as long as you maintain your eligibility and don't default). You don't have to reapply every time you need another business vehicle
  • Typically, all you need to do is "sign and drive."
  • Use your Commercial Line of Credit for both buying and leasing.

What vehicles are eligible?

  • Passenger cars
  • Light- and medium-duty business vehicles
  • Any make or model

How do I apply?

Simply call/text Jim Colbeck at 313-575-4334 or email at I'll be more than happy to help you with your application.

The Flexible Payment Plan

Some business customers are seasonal workers where a large part of their income is earned at certain times of the year.  For example, Agriculture Businesses, Snow & Ice Businesses, Lawn & Garden and some types of construction.  Ally offers a Flexible Payment Plan that will allow payments to be structured so that the payments are due during the income producing season.  The applicant must meet specific criteria for approval.

Should you need more information about how to finance your Ram Commercial Truck or Van please contact me. Jim Colbeck 313-575-4334 email