EQUIPMENT FINANCING — UP TO $5M+
Equipment finance
without the dealership detour.
Semi truck loans, trailer financing and heavy machinery — new or used, from a dealer or another owner. One application goes to 40+ lender partners, and decisions typically come back within 24 hours.
EQUIPMENT FINANCING
Commercial truck finance, built for the people buying the truck,
not the fleet buying the quarter.
Commercial truck loans work differently depending on who you are and what you are buying, and semi truck financing companies do not all weigh the same things. Semi financing, trailer financing and heavy equipment financing all start from the same application here. These are the situations this product is built for.
Semi truck financing
Sleeper truck financing and day cab financing for regional and long-haul tractors, plus box truck financing, dump truck financing and tow truck financing. Big rig financing and 18 wheeler financing are the same product under a different name, and all of it runs through the same application as semi truck loans, whether the seller is a dealership or another owner-operator.
Trailer financing
Flatbed trailer financing, dry van and reefer — commercial trailer financing on its own. Semi trailer financing stands alone, or tractor trailer financing bundles the trailer with the truck in the same request.
Heavy machinery
Excavator financing, wheel loaders and forklift financing, plus other titled or serialized equipment. New or used, bought from a dealer or another owner, through the same application as the trucks.
FINANCING BY TRUCK TYPE
Find the page
for the truck you are buying.
Semi Truck Financing
Class 8 sleepers and day cabs, new or used, dealer or private seller.
ExploreUsed Truck Financing
How the model year, the mileage and an existing lien change your options.
ExploreTrailer Financing
Flatbed, dry van and reefer — with or without the tractor.
ExploreBox Truck Financing
Straight trucks from 16 to 26 feet for delivery and last-mile work.
ExplorePrivate Party Truck Financing
Buy from another owner: title, lien payoff and bill of sale handled.
ExploreA CLEAR PATH TO CAPITAL
Truck financing for owner operators.
One focused process.
A straightforward route from your initial request to a financing structure you can put to work.
Share the asset and purchase
A fast online application from your phone, tablet, or computer — the asset, the purchase price, the seller type, and your timing.
Compare matched structures
The request goes to 40+ lender partners, and we review the paths that fit the equipment and your business profile. Soft credit pull only.
Complete documents and fund
Choose the option that fits and finish the documentation. Funding typically completes within 2–5 business days.
STRAIGHT ANSWERS
Trucking equipment financing questions,
answered before you move.
What do I need to qualify?
An incorporated business — Inc. or LLC — with a minimum of 2 years in business. Not there yet? Freight factoring is usually the realistic first step while the business builds history, and it is worth a call either way.
What rates and terms should I expect?
Commercial truck financing rates run from 8% to 13%, based on your qualifications, with terms from 36 to 72 months. The exact structure is set by the funding partner after reviewing the asset and your profile — anyone who quotes a final number before that is guessing.
Will applying hurt my credit?
No. Checking your options uses a soft credit pull only — no impact on your credit score. A hard inquiry only happens later, if you decide to move forward with a specific lender and authorize it.
How fast is funding?
Decisions typically come back within 24 hours, and funding typically completes within 2–5 business days once documentation is in.
Do you offer used truck loans?
Yes. Used equipment is squarely within what this product covers. Age and mileage affect which lenders will look at it and what terms come back, but a used asset is not a dead end.
Do you finance private-party purchases?
Yes — buying from another owner is covered, not an exception. You do not have to buy from a dealership. We handle the title, lien and payoff steps so the transaction between you and the seller closes cleanly.
How much do I need for a down payment?
It depends on the asset, its age and your business profile, and it is set by the funding partner after they review the request. Anyone quoting a fixed percentage before that review is guessing. It comes back with the rest of the structure when we compare the matched options.
Can I finance a trailer on its own?
Yes. Semi trailer financing stands on its own, whether it is flatbed, dry van or reefer, and does not require financing a tractor at the same time. Tractor trailer financing bundles both into one request when you are buying them together.
Do you finance box trucks, dump trucks and tow trucks?
Yes. Box truck financing, dump trucks and tow truck financing run through the same application as semi truck loans. The asset type affects which lenders look at it, not whether it is covered.
What paperwork should I expect?
For most requests: basic business information, the equipment details or invoice, and recent bank statements. See how it works for the full picture.
CHECK YOUR OPTIONS
Ready to put capital
in motion?
A fast online application from your phone, tablet, or computer. Soft credit pull only — no impact on your credit score.