Private Credit · Asset-Backed
Earn monthly income from asset-backed equipment loans.
Acelera Financial gives accredited investors access to secured commercial-truck loans, targeting an ~11% annual return, net of fees, paid monthly, over a 24–36 month term.
Target returns are not guaranteed and involve risk of loss, including possible loss of principal.
Start with a single loan — there’s no requirement to commit more until you’re ready.
For accredited investors only. Verification required before any offering terms are shared.
Why This Program
Built on security, cash flow, and return.
Security
Every loan is backed by titled truck collateral, a UCC-1 lien on business assets, an insurance certificate naming Acelera as certificate holder, and a dedicated cash loss-reserve pool.
Monthly Cash Flow
Loans are fully amortized over 24–36 months, so participating investors receive monthly principal and interest payments rather than waiting for a single payout at maturity. This is a fixed-term, illiquid investment — it does not create a right to redeem or exit early.
Return
The program targets an approximately 11% annual return, net of Acelera's program fees. Targets are not guaranteed and involve risk of loss, including possible loss of principal.
Historical Performance
A track record grounded in the numbers.
150+
Loans originated since inception
$10M+
Sold to accredited investors
100%
Of loan balance targeted for coverage by collateral, insurance & reserves in a default
Past performance does not guarantee future results. Portfolio statistics as of June 30, 2026, are internally prepared and have not been independently audited; figures will be updated periodically. Collateral, insurance, and reserve coverage is a structural target, not a guarantee — recovery values, timing, and market conditions can result in coverage shortfalls and loss of principal.
Capital Protection
5 layers protecting your capital.
- 1
Borrower down payment
~26% average — an immediate equity cushion.
- 2
Truck collateral
Acelera holds title to every financed vehicle.
- 3
UCC-1 lien
A blanket lien on the borrower's business assets.
- 4
Insurance
Acelera is named certificate holder on every policy.
- 5
$1M loss reserves
A dedicated cash buffer absorbs defaults first.
These structural protections reduce risk — they do not eliminate it. Recovery values, defaults, and timing can all affect actual returns. Down payment and reserve figures are as of June 30, 2026, are internally prepared and have not been independently audited, and will vary by loan and over time.
How Asset-Backed Lending Works
Collateral first.
Secured loan
Acelera lends capital against a titled commercial truck, secured by collateral from day one.
Monthly payments
The borrower repays principal and interest every month over a 24–36 month term.
Investor return
Participating investors receive distributions targeting an ~11% annual return, net of fees.
Collateral reduces risk — it does not remove it.
Recovery values, defaults, and timing can affect returns. Diversification and underwriting do not guarantee outcomes.
Who This Is For
For accredited investors only.
This program is offered under Rule 506(c) of Regulation D, which permits us to describe it publicly — but only to investors who have verified their accredited status. In plain terms, an “accredited investor” is generally an individual who meets certain income or net-worth thresholds, holds certain professional licenses, or is an entity that meets its own qualifying criteria under SEC rules.
This is general information only, not a legal determination of your status. Your CPA, attorney, registered broker-dealer, RIA, or a third-party verification service will confirm whether you qualify.
Why we require verification
Securities law requires issuers using general solicitation, like this website, to take reasonable steps to verify every investor’s accredited status before sharing offering terms or accepting an investment. That’s why this page describes the program only in general terms.
Once you create a secure account and your accreditation is verified — typically through a signed professional letter or a third-party verification service — you’ll gain access to offering documents and next steps.
A simple self-certification checkbox is never sufficient on its own to complete verification.
FAQ
Common questions.
- You participate in secured commercial-truck equipment loans that Acelera originates and services. Each loan is backed by titled truck collateral, a UCC-1 lien, insurance, and dedicated loss reserves.
Get Started
See if you qualify.
Share your name and email and our team will follow up with more details about the program and next steps for accreditation verification. This form does not create an account and does not grant access to any offering terms.
Many investors start with a single loan and build from there — this is just the first step, not a commitment.
Prefer to talk it through first? Schedule time directly with our team.