Texas buys more yellow iron and more Class 8 trucks than any other state, and the paperwork behind a deal here is simpler than most: no state income tax, a sales tax with real exemptions for farms and interstate carriers, and no weight-distance tax on the highway. What Texas does have is a lot of competition for your file, and a lot of dealers who quote captive financing as the only option.
We place Texas deals with equipment lenders that already know the market: Permian service companies buying vac trucks and skid steers, DFW site-work contractors adding a second excavator, Houston port carriers replacing a tractor, Panhandle operations financing a combine at an auction. One application, a soft inquiry, and real options back in a day or two.
Who we finance in Texas
What is driving equipment demand in Texas
- TxDOT's ten-year Unified Transportation Program is funded at roughly $146 billion, the largest in state history.
- Close to $90 billion of data center construction is active across the state, including the Stargate campus in Abilene.
- Permian gas and Gulf Coast LNG projects keep oilfield services and heavy haul busy.
We work with businesses across Texas, including Houston, Dallas-Fort Worth, San Antonio, Austin, and Midland-Odessa, and the rural counties in between.
Sales tax and income tax on equipment in Texas
Tax rules change and depend on your facts. Confirm with your accountant before relying on any of this.
Trucks, trailers, and titling in Texas
- Apportioned registration runs through TxDMV. Commercial vehicles still need an annual safety inspection even though non-commercial inspections ended in 2025.
- No weight-distance tax. Oversize and overweight permits come from TxDMV.
- Excavators, dozers, and skid steers are not titled in Texas. Ownership runs on the manufacturer's statement of origin and the bill of sale, which is what the lender files against.
Where Texas buyers find equipment
We finance equipment from any dealer, auction, or private seller. Dealers and auctions our Texas customers use include HOLT CAT, Warren CAT, Mustang Cat, Ritchie Bros. Fort Worth and Houston auction yards. Get pre-approved before you go so the seller sees a buyer who can close.
Equipment we finance
Excavators · Dozers and loaders · Skid steers · Semi trucks · Trailers · Farm equipment · Cranes and lifts
About financing in Texas
Equipment financing in Texas is arranged through Land Tech Capital's network of third-party lenders and lessors. Land Tech Capital is a New York based commercial finance broker, not a lender, and does not hold a Texas license. Your financing agreement will be with the lender or lessor, who provides any disclosures Texas law requires. No fee is charged to you before funding, and we are paid by the lender when a deal closes.
Questions we get
Can an oilfield service start-up get equipment financing in Texas?
Yes. Start-up programs look at industry experience, personal credit, and down payment, and oilfield work counts as experience even if the company is new. Expect 10 to 20 percent down on the first unit.
Do I pay Texas sales tax on a financed truck?
Tax is due at titling on the purchase price whether you finance or pay cash. If the tractor goes on apportioned plates for interstate work, the interstate exemption can apply. We can roll tax into the financed amount on most programs.
Will you finance equipment bought at a Texas auction?
Yes. Ritchie Bros., IronPlanet, and other auction purchases are financed regularly. Get pre-approved before the sale so you know your ceiling and can pay the auction on time.
