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

Same-day decisions 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

Won $12M annual contract, expanded into 3 new states

$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

Increased throughput by 300%, added 50+ new clients

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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