Commercial Dealership Fleet Underwriting Deck
Presented directly to commercial fleet managers and credit underwriters. Demonstrates that 1 commercial cargo van with a $1,700/mo total operating carrying cost is fully collateralized by $3,300/mo in contracted recurring merchant receivables (194% DSCR) plus an optional daytime municipal transit subsidy.
1. Vehicle Operating Carrying Cost Stack
Modeled for 1 Commercial High-Roof Van (Ford Transit / Sprinter 250/350 class) operating in urban commercial routes.
$10,000 Credit Reserve Guarantee
Every fleet agreement executed with commercial dealerships is guaranteed by BEAM Federal Credit Union’s dedicated $10,000 liquidity backstop fund. In the event of merchant renewal delays, the credit union automatically releases payments to the dealership, maintaining flawless lease performance.
Institutional Debt-Service Coverage (194% DSCR)
Unlike individual sole-proprietor delivery drivers who face personal income volatility, the BEAM fleet unit is backed by multi-tenant pooled commercial receivables:
Daytime Civic Shuttle + Nighttime Delivery
Commercial vans operate on a 24-hour utility cycle. During 8:00 AM – 2:00 PM, the vehicle handles Metropolitan Planning Organization (MPO) subsidized senior & civic micro-transit loops. From 3:00 PM – 11:00 PM, the vehicle transitions to dedicated merchant route deliveries.