One application.More ways forward.
We compare options across a broad lender network, so you can choose the capital structure that fits the job, not force the job into a one-size-fits-all product.
Equipment financing
New, used, dealer, and private-party equipment for transportation and other essential industries.
Explore financingFreight factoring
Turn open invoices into operating cash so you can keep accepting work with confidence.
Explore financingWorking capital
Fuel, payroll, repairs, expansion, and everyday operating needs without slowing your business down.
Explore financingTHE DIRECT-TO-BUYER ADVANTAGE
Buy the truck.
Skip the markup.
Dealerships are not the only route. We help owner-operators finance private-party and peer-to-peer equipment purchases, wherever they find the right asset.
Finance a private-party purchasePRIVATE-PARTY PURCHASE
2019 Class 8 Sleeper
Illustrative example
Will checking my options affect my credit score?
No hard credit pull is required to explore your initial financing options. A lender may request additional information later if you decide to move forward.
Can TOBO finance private-party equipment purchases?
Yes. TOBO specializes in documented private-party and peer-to-peer equipment transactions, not only dealership purchases.
How quickly can funding be completed?
Initial decisions are typically available within 24 hours, with funding typically within 2–5 business days once documentation is complete.
Do I have to accept an offer after applying?
No. Exploring your options comes with no obligation, so you can compare the available structures before deciding.