Upgrade your fleet.
Take on bigger routes.
Don't lose out on lucrative contracts because you lack the equipment. Finance new or used commercial vehicles, trailers, and heavy machinery with flexible terms built for the logistics industry.
- Finance up to 100% of the vehicle cost (soft costs included).
- Approval for both brand-new and older used equipment.
- Keep the title and claim tax depreciation (Section 179).
Application-Only Approvals
Skip the heavy paperwork. For loans up to $250,000, we often only require a simple one-page application to issue an approval within 24 hours.
Direct Dealer Funding
Once approved, we wire funds directly to the dealership or private seller so you can secure the asset and get it on the road immediately.
Flexible & Seasonal Terms
Need 90 days of deferred payments while the truck generates revenue? We can structure terms that match your cash flow cycle.
Check Commercial Rates
See the financing power your business qualifies for. Zero obligation.
Capital That Moves Heavy Equipment
Whether you are a solo owner-operator adding your first sleeper cab, or a construction firm scaling a fleet of dump trucks, we finance the assets that drive your revenue.
Class 8 Semi-Trucks
Finance new or used sleeper and day cabs. We work around high mileage and older model years that traditional banks won't touch.
Box & Delivery Trucks
Essential for last-mile logistics. Fast funding for straight trucks, refrigerated reefers, and step vans to meet growing delivery demands.
Vocational & Construction
Specialized capital for dump trucks, concrete mixers, tow trucks, and heavy yellow iron equipment required for job sites.
Trailers & Specialized
Expand your hauling capacity by financing dry vans, flatbeds, lowboys, car haulers, and specialized multi-axle trailers.
Fleet ROI & Payment Estimator
A truck is only worth it if it cash flows. Input your equipment costs and expected gross revenue to see the net profit this asset adds to your business.
Asset Variables
10-20% is standard; 100% financing available for strong credit.
How much will this specific truck generate per month?
Cash Flow Viability
Monthly Debt Service
-$1,570
Gross Monthly Revenue
+$14,000
Net Monthly Profit
Highly ProfitableExcellent ROI. This vehicle generates enough revenue to comfortably cover its debt service while producing significant positive cash flow.
*Educational tool assuming an illustrative 8.5% commercial APR. Net profit shown is *before* operating expenses (fuel, insurance, driver pay, maintenance).
Own the Asset. Maximize Tax Benefits.
Leasing limits your mileage and strips you of ownership. Traditional banks won't fund older trucks. See why an Equipment Finance Agreement is the industry standard.
| Feature | Our Commercial Loan | Traditional Bank | Truck Leasing |
|---|---|---|---|
| Ownership | You Own It | You Own It | Leasing Co. Owns It |
| Tax Benefits (Sec 179) | Full Depreciation | Full Depreciation | None (Write off lease payment only) |
| Used / High Mileage Funding | Highly Flexible | Strict Age/Mileage Limits | Newer Models Only |
| Mileage Restrictions | Unlimited Miles | Unlimited Miles | Strict Penalties for Overages |
Fast-Track to the Highway
1. Find Your Equipment
Locate the truck or equipment from a dealership, private party, or auction. Get an invoice or spec sheet.
2. Submit Application
Provide basic business details. For requests under $250k, financial statements are often not required.
3. Funding & Delivery
Upon approval, funds are wired directly to the seller. You pick up the keys, take title, and start running routes.
Commercial Financing FAQs
Answers to keep your logistics business moving without hesitation.
Do you finance older or high-mileage trucks?
Yes. Traditional banks often refuse to fund trucks older than 5 years. Our specialized commercial lenders understand the lifespan of diesel engines and regularly fund older models with higher mileage, provided they pass basic inspections and condition checks.
Are there programs for start-ups or new owner-operators?
Absolutely. While established fleets (2+ years in business) enjoy the lowest rates, we have specific "first-time buyer" and start-up programs. You may be required to put down a slightly higher down payment (e.g., 15-20%) or prove industry experience (like a CDL history).
What does "Application-Only" mean?
Application-only programs are designed for speed. For equipment purchases under $250,000, we generally do not require you to submit years of business tax returns or complex financial statements. A simple application is enough to trigger underwriting and approval.