Truck Financing

Commercial Fleet Lending

Keep Your Fleet Moving.
Finance Your Next Truck.

From owner-operators to enterprise fleets, secure fast, flexible capital to acquire new or used semi-trucks, box trucks, and specialized vocational equipment.

App-Only Up to $250k Skip the endless paperwork. We offer "Application-Only" approvals up to $250,000 without requiring tedious financial statements or tax returns.
Startup & Challenged Credit Your truck is the collateral. We secure approvals for newer CDL owner-operators and businesses with less-than-perfect credit histories.
Same-Day Funding Available If your truck is down, your business is down. We expedite underwriting to get funds wired to the dealer or private seller within 24 hours.

Get Your Fast Quote

Speak with a commercial lending specialist. Requesting a preliminary term sheet will NOT impact your credit score.

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Interactive Tool

Commercial Truck Payment Estimator

Input your targeted truck price below to estimate your monthly operating overhead and standard debt service.

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$

Standard commercial loans typically look for 10% to 20% down.

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Note: This simulation estimates a standard Equipment Finance Agreement (EFA). Alternative structures like TRAC Leases or FMV leases may result in significantly lower monthly payments.

Projected Debt Service

Estimated Monthly Payment
$2,004
Fixed Monthly Overhead
Financed Amount
$100,000
Total Estimated Interest
$20,228

Financing vs. Leasing

Understand the right capital structure to optimize your fleet's balance sheet and tax burden.

Structure Equipment Loan (EFA) TRAC Lease FMV (Operating) Lease
Ownership You own it outright at the end of the term. Option to buy at a pre-determined residual value. Return the truck at the end of the term.
Monthly Payments Highest (Building equity). Lower than a loan. Lowest monthly payment.
Mileage Limits None. Drive as much as you want. None. No mileage restrictions. Strict limits. Overage fees apply.
Tax Benefits Deduct depreciation (Section 179) and interest. Deduct the entire monthly lease payment. Deduct the entire monthly lease payment.

Why Use a Specialized Truck Lender?

Traditional banks view heavy equipment as high-risk. We understand the asset, allowing us to approve deals local banks automatically decline.

No Blanket Liens

Banks often place a UCC blanket lien on your entire business. We only use the specific truck you are financing as collateral, leaving your other assets completely unencumbered.

Private Seller Purchases

Unlike captive dealer financing, you aren't forced to buy from a specific lot. We finance trucks purchased from dealerships, auctions, or direct from private parties.

Seasonal Payment Structures

Logistics cash flow fluctuates. We offer skip-payment and step-payment structures designed to align with your busy seasons and ease the burden during slow months.

Equipment Financing FAQs

Yes. While traditional banks require 2-3 years of business tax returns, specialized equipment lenders have programs specifically for startups and new owner-operators. You will likely need a solid personal credit score (650+) and may be required to put down a slightly larger down payment (20-30%) to mitigate the lender's risk.
A Terminal Rental Adjustment Clause (TRAC) lease is unique to motor vehicles used for business. It combines the advantages of leasing (lower monthly payments, 100% tax-deductible payments) with the option to purchase the truck at the end of the term for a pre-agreed residual value. Importantly, there are no mileage restrictions on a TRAC lease.
Yes, but age and mileage limits apply. Most lenders will finance trucks up to 10 years old (sometimes older if it has had a recent engine overhaul). Keep in mind that older trucks may carry slightly higher interest rates or require a shorter loan term to compensate for the depreciated collateral value.
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