EQUIPMENT FINANCING — UP TO $5M+
Equipment finance
without the dealership detour.
Semi trucks, trailers 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
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. These are the situations this product is built for.
Semi trucks & tractors
Sleepers, day cabs and regional tractors — semi truck financing whether the seller is a dealer or an owner-operator.
Trailers
Trailer financing on its own or bundled with a tractor purchase in the same request.
Heavy machinery
Excavators, loaders, forklifts and other titled or serialized equipment.
A CLEAR PATH TO CAPITAL
Focused process.
Useful options.
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
Before you move,
know what to expect.
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?
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.
Can I finance a used truck?
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.
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.