Commercial Incentive Program

Whether leasing or purchasing, Nissan and NMAC have the right solutions to suit your financing needs. Just like the NV, Nissan and NMAC financing is designed to work for you.


TRAC Leasing

How customers will visualize the facets of your company is supported by the vehicles in your fleet. As the captive lender for Nissan products, NMAC Commercial Vehicle Lending can assist you in building a sustainable & prosperous business.

NMAC offers flexible purchase loans and lease residuals based on per-vehicle usage. Before you decide on a finance plan, be sure to consider the following circumstances.

  • Annual mileage
  • Lease or loan term
  • Application of the vehicle
  • Vehicle specifications

What is TRAC Leasing?

Simply put, TRAC Leasing is THE automotive financing solution for business owners. Here are some important things to know:

  • A Terminal Rental Adjustment Clause ("TRAC") Lease is used for vehicles used more than 50% of the time in the trade or business of the Lessee (customer). 
  • A TRAC Lease is a unique version of the FMV lease. The risk and reward of ownership is transferred to the Lessee through the TRAC provision.
  • A TRAC Lease has a preset residual value, virtually eliminating the Lessee's exposure to a Fair Market Value settlement at lease maturity.

Advantages of getting on "TRAC"

  • Seasonal terms and tax affected payment rates are available.
  • Taxes, up fits, and the cost of accessory installation can be included in the capitalized cost of the lease.
  • Services and conveniences other finance products simply do not offer.

Here's Why You Should Consider a NMAC TRAC Lease

  • All Nissan vehicles qualify.
  • NMAC's lease terms are a clear advantage for credit-qualified borrowers.
  • Favorable accounting treatments provide cash-flow benefits.
  • Customer and dealer set the residual value with NMAC's approval.
  • A one-stop shopping experience when ordering and arranging financing for vehicles.

Tax Advantages

TRAC Leases are commonly considered off-balance sheet financing. This style of lease is generally treated as a 100% tax-deductible operating expense, not a capital expense. Consult your tax advisor for more information.

Customized Lines of Credit

Working capital is the cornerstone of any successful business venture. NMAC's line of credit program is a valuable tool for principals and partners who know the value of accessible capital. Following an initial review and approval of your application for credit, your business will be able to lease or purchase vehicles when you need them. We like to think that as your business grows; your business's NMAC line of credit will be there to support each new venture.

Find the Right Credit Line That Works For You.

Nissan Motor Acceptance Corporation, or NMAC, can be a great resource for financing help. In particular, you may want to look at a customized line of credit, or LOC, which can be set up before a vehicle is leased or purchased. A LOC can streamline the lease/purchase process and in fact should be considered as the first step in each commercial vehicle acquisition discussion.


  • All Nissan and Infiniti models qualify for vehicle financing.
  • Pre-approved annual credit limits.
  • Favorable tax treatments. Consult your tax advisor for more information.
  • Competitive market rates.
  • Down payment amounts or officer/owner guaranties are negotiable.

About NMAC

NMAC products are structured and positioned to directly compete for the better quality finance business. NMAC strives to be partners with our business customers and values the trust the customer places on the "total-service" relationship. Commercial customers rely on local banking relationships to manage cash flows; however, due to economic risks, banks operate completely different from NMAC. They enter and exit markets often. NMAC is here to stay.

Long-term NMAC - business client relationships are the norm, not the exception. Business owners and investors enjoy the unparalleled access to funding alternatives and ease of business that NMAC offers. Our specialists recognize that a "one size, one approach" policy for all customers does not work. That's why our programs include some of the most competitive and flexible financing and repayment terms available in the commercial segment today.

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