Equipment Financing at the Speed of Logistics
Fleet expansion can't wait for slow approvals. Fast, flexible financing for commercial vehicles, trucks, trailers, and transportation equipment from $50K-$1M.
Transportation Can't Wait for Slow Financing
Delivery schedules and route capacity demands require immediate fleet expansion and reliable equipment.
Lost contracts due to capacity limits?
When you can't fulfill delivery contracts because of fleet constraints, you lose revenue and customers. We finance fast so you can take on more business immediately.
Aging fleet affecting reliability?
Breakdowns cost time and money while damaging customer relationships. Modern, reliable equipment ensures on-time delivery and reduces maintenance costs.
Growth opportunities requiring scale?
Fleet expansion enables route expansion and contract growth. Smart financing lets you scale without depleting working capital needed for fuel and operations.
Seasonal cash flow challenges?
Transportation revenue varies with seasons and demand cycles. Our financing structures accommodate your cash flow patterns and operational needs.
Transportation Equipment We Fund
Comprehensive coverage for all your transportation and fleet needs
Commercial Trucks
Class 8 tractors, delivery trucks, box trucks, flatbeds, refrigerated trucks, and specialized commercial vehicles
Trailers & Equipment
Dry van trailers, refrigerated trailers, flatbed trailers, container chassis, and specialized hauling equipment
Fleet Vehicles
Delivery vans, cargo vans, passenger vehicles, service trucks, and specialty fleet vehicles
Support Equipment
Forklifts, loading equipment, GPS systems, fleet management technology, and maintenance equipment
Transportation Success Stories
Real results from real transportation companies
Express Logistics Solutions
Challenge: E-commerce surge required immediate fleet expansion to meet delivery commitments without cash flow disruption.
Solution: $650K financing for 8 delivery trucks and route optimization technology with revenue-based payment structure.
Result: 150% increase in delivery capacity, secured major e-commerce contracts, ROI in 16 months.
Regional Freight Partners
Challenge: Long-haul contract required additional Class 8 tractors and trailers but couldn't afford equipment downpayment.
Solution: $425K for 3 tractor-trailer combinations with seasonal payment adjustments and maintenance package inclusion.
Result: Won $800K annual contract, 40% increase in hauling capacity, payback in 18 months.
Transportation Equipment Financing FAQ
Common questions about financing trucks, trailers, and fleet vehicles
What types of transportation equipment can be financed?
We finance commercial trucks (Class 3-8), semi-trailers, box trucks, refrigerated trailers, flatbeds, dump trucks, fleet vehicles, buses, specialty vehicles, and transportation support equipment. Both new and used vehicles qualify, ranging from $50K to $1M. Whether you are an owner-operator adding your first truck or a fleet company scaling operations, we have financing to match your needs.
Can I finance a fleet of vehicles at once?
Yes. We offer fleet financing solutions that allow you to acquire multiple vehicles in a single transaction. Fleet deals can be structured with uniform payments or customized per vehicle based on age, value, and expected utilization. Bundling multiple units often results in better overall terms and simplifies your payment management. We work with fleets of all sizes, from 2-vehicle operations to 50+ unit companies.
Do you finance used trucks and trailers?
Absolutely. Used commercial vehicles are a core part of our financing portfolio. We finance pre-owned trucks, trailers, and fleet vehicles from dealerships, auctions, and private sellers. Many transportation companies build profitable operations on well-maintained used equipment. Equipment condition, mileage, maintenance history, and remaining useful life all factor into approval terms and rates.
How fast can I get approved for truck financing?
Most transportation equipment financing decisions are made within 24 to 48 hours. We know that freight waits for no one and a truck sitting on a dealer lot is not making you money. We prioritize fast turnaround with a streamlined application process — one-page application, recent bank statements, and the vehicle quote. Funding typically occurs within 3 to 5 business days of approval.
What credit score do I need for commercial vehicle financing?
We work with a range of credit profiles. While stronger credit receives better rates, we consider overall business health including time in business, revenue, cash flow, and the specific equipment being financed. Owner-operators and small fleets with less than perfect credit may still qualify. The key factors are demonstrating ability to make payments and having a viable business operation.
Do you offer seasonal payment structures for trucking companies?
Yes. Some transportation sectors experience seasonal swings — agricultural hauling peaks in harvest season, construction-related trucking slows in winter, and retail freight surges during holidays. We offer flexible payment structures that align with your revenue cycles, including lower payments during slow months and skip-payment options. This keeps your fleet financed without straining cash flow during predictable downturns.
What documents are needed to apply for truck financing?
Our application process requires a one-page application, 3 months of business bank statements, and the vehicle quote or invoice from the seller. For deals over $350K or for newer businesses, we may request tax returns, a personal financial statement, or a brief equipment utilization summary. There are no application fees and no obligation if the terms do not work for you.
Can owner-operators get financing for their first truck?
Yes. We work with owner-operators entering the industry as well as experienced operators adding trucks. First-time owner-operators typically need solid personal credit, relevant industry experience (CDL and driving history), and a down payment. Having a contract or letter of intent from a carrier or shipper strengthens the application significantly. We understand the owner-operator path and structure deals that set you up for success.
Smart Financing for Transportation Companies
Strategies to build and grow a profitable fleet
The Economics of Truck Financing
A commercial truck that costs $150K can generate $200K+ in annual gross revenue. Financing allows you to put that truck to work immediately while spreading the cost over 36-60 months. The revenue from hauling loads covers your monthly payment many times over, making equipment financing one of the highest-ROI decisions a transportation company can make. Smart operators think about cost-per-mile and revenue-per-mile, not just the sticker price of the truck.
Owner-Operator vs. Fleet Financing
Owner-operators typically finance individual trucks with terms tailored to their personal credit and business revenue. Fleet companies often benefit from master financing agreements that streamline the process for adding vehicles throughout the year. Both approaches have advantages — owner-operators get personalized attention on each deal, while fleet operators gain efficiency and potentially better rates through volume. We help clients structure the right solution for their operation size and growth plans.
New vs. Used Trucks: The Financial Calculus
A new Class 8 truck costs $150K-$200K with full warranty coverage, latest emissions technology, and maximum fuel efficiency. A quality used truck with 300K-500K miles might cost $50K-$80K but requires more maintenance and has higher fuel costs. The right choice depends on your routes, utilization rate, maintenance capabilities, and financial situation. Many successful fleet owners run a mix — newer trucks on demanding long-haul routes and well-maintained used trucks for shorter regional runs. We finance both and can help you think through the math.
Managing Cash Flow with Equipment Payments
Transportation is a cash-flow-intensive business with fuel, maintenance, insurance, tolls, and driver costs all competing for working capital. Smart equipment financing preserves cash for operations while building equity in your fleet. We offer payment structures that align with revenue cycles, including step-up payments that start lower while you build routes, and skip-payment options during slower months for seasonal operations. The goal is financing that supports your business rather than straining it.
Building Equity and Growing Your Fleet
Every equipment financing payment builds equity in your truck or trailer. Once a unit is paid off, it continues generating revenue with dramatically lower overhead. Many fleet owners use the equity in existing units as leverage when acquiring additional vehicles. A strategic approach to fleet financing — staggering purchase dates and terms — creates a cycle where older paid-off units subsidize the acquisition of newer ones, enabling steady fleet growth without large cash outlays.
Ready to Expand Your Fleet?
Join hundreds of transportation companies who chose speed over bureaucracy