What financing options are available for trucking companies?

Trucking companies can access fleet financing for trucks and trailers, working capital loans, fuel card programs, equipment financing, and warehouse/logistics facility loans. Terms range from 2-7 years for vehicles.

How does fleet financing work?

Fleet financing covers semi-trucks, box trucks, vans, and specialty vehicles. The vehicles serve as collateral, enabling financing of $50,000 to $25 million with down payments as low as 10% for qualified borrowers.

What are the requirements for trucking business loans?

Requirements typically include valid operating authority, 2+ years in business, credit score of 620+, and a clean safety record. Owner-operators with strong experience may qualify with less time in business.

Can I get financing for new trucks as an owner-operator?

Yes, owner-operators can access truck financing with competitive rates. Newer owner-operators with industry experience and good credit can often qualify for financing with 15-20% down payment.

What is trailer financing?

Trailer financing covers dry vans, refrigerated trailers, flatbeds, and specialized equipment. Amounts range from $15,000 to $5 million with terms of 2-7 years and flexible payment structures.

How fast can trucking companies get funded?

Fleet and trailer financing can close in 5-10 business days. Working capital can be funded in 24-48 hours. SBA loans for larger fleet expansions typically take 3-6 weeks.

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Transportation Industry

Transportation & Logistics Financing

Keep your trucks rolling with financing solutions designed for the unique needs of trucking companies and logistics operations.

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Quick Approvals

Decisions in 24-48 hours on vehicle financing

No Down Payment

100% financing available for qualified buyers

Industry Experts

Specialists who understand trucking operations

Flexible Payments

Seasonal and skip-payment options available

Financing Options

Transportation Financing Solutions

Comprehensive financing options built for trucking and logistics companies.

Fleet Financing

Finance semi-trucks, box trucks, vans, and specialty vehicles for your fleet.

Amount: $50,000 - $25,000,000

Terms: 2-7 years

Trailer Financing

Fund dry vans, refrigerated trailers, flatbeds, and specialized trailer equipment.

Amount: $15,000 - $5,000,000

Terms: 3-7 years

Working Capital

Bridge cash flow gaps between loads, fund fuel costs, and manage operational expenses.

Amount: $10,000 - $1,000,000

Terms: 3-24 months

Fuel Card Programs

Access fuel discounts and flexible payment terms through our partner fuel card programs.

Amount: Line of Credit

Terms: Weekly/Monthly

Success Stories

Transportation Financing Case Studies

See how we've helped trucking companies drive their growth.

$4,800,000

Regional Fleet Expansion

Regional trucking company

Challenge

Needed 25 new trucks to service a major retail contract

Solution

Fleet financing with staggered delivery schedule and seasonal payment structure

Result

Financed 25 trucks on a staggered delivery schedule

$6,500,000

Logistics Hub Development

Growing third-party logistics provider

Challenge

Required warehouse expansion and 40 new trailers for fulfillment operations

Solution

Combined equipment financing and SBA loan for comprehensive funding

Result

Funded the warehouse expansion and 40 new trailers

Qualifications

Transportation Financing Requirements

We understand the trucking industry and have tailored our requirements accordingly.

Minimum 1 year in business (or 2+ years CDL experience)

Valid operating authority (MC/DOT numbers)

Personal credit score of 575+

Clean driving record (no major violations)

Proof of insurance coverage

Ready to Get Started?

Apply online in minutes and get a decision within 24-48 hours. Our transportation financing specialists are ready to help you grow your fleet.

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