Truck financing is its own world. Generalist lenders either avoid it or price it like a risk they do not understand. We work with programs built for trucks, and we have already read their rulebooks so you do not have to.
What we finance for carriers
- Class 8 sleepers and day cabs, new and used.
- Dry vans, reefers, flatbeds, step decks, lowboys, end dumps, single units or pools.
- Dump trucks, roll-offs, mixers, and vocational trucks for construction hauling.
- Medium-duty box trucks and straight trucks for final-mile and expedite.
- Tractor and trailer together on one approval and one payment.
Three carrier profiles and how each gets funded
What kills truck deals, and how we avoid it
- Glider kits: not financeable. We tell you before you put a deposit down.
- Mileage over the cap: we check the VIN and mileage against each program before submitting.
- Insurance delays: physical damage and $1M liability with the lender as loss payee. Line your agent up on day one.
- Thin freight story: a lease-on agreement or a dedicated-lane letter turns a maybe into a yes.
- Shopping the file everywhere: multiple hard pulls hurt. We soft-pull to see options and only go hard when you accept.
Questions we get
Can I get a truck loan with a new authority?
Yes. The truck lenders we use fund new authorities with CDL history, a down payment, and a freight plan. The first truck is usually used, 36 to 60 months.
What credit score does an owner-operator need?
Above roughly 600 opens most programs. Below that, story-credit lenders weigh CDL history, bank statements, and down payment. Every file gets a look.
Can I refinance a truck I already own?
Yes. A sale-leaseback or equipment-backed loan on an owned tractor or trailer can raise operating cash. Age and mileage limits apply.
How fast can a truck deal fund?
Approval in 24 to 48 hours on app-only files. Funding is usually gated by insurance and title paperwork, so two to five business days is typical.
