Trucks we finance
Our lender network supports virtually every Class 6, 7, and 8 commercial truck in service today. The most common files we close every week include:
- Highway sleeper cabs — Freightliner Cascadia, Kenworth T680, Peterbilt 579, Volvo VNL, International LT
- Day cabs and yard tractors
- Vocational dump and roll-off chassis
- Tow trucks, flat-decks, and recovery units
- Refrigerated reefer power units
- New and used (typically up to 10–12 model years old at funding)
Who qualifies
We structure approvals for the full operator spectrum, not just well-banked corporates. The lenders in our network underwrite based on credit profile, equipment, time in business, and cash flow — and several specialize in cases the chartered banks routinely decline.
- Established carriers with strong financials
- Owner-operators and single-truck businesses
- Start-ups and new-MC carriers (with a CDL and business plan)
- Re-entry credit (recently incorporated, prior bankruptcy discharged)
- Cross-border owner-operators with US runs
Typical structures
No two truck deals look the same. Our advisors build the structure to fit your cash-flow cycle and end-of-term goals — not the other way around. Common arrangements include:
- Equipment loans (you own the asset day one)
- Capital and operating leases
- $10 buyout leases (TRAC) for owner-operators planning to keep the unit
- Skip and step-up payment schedules for seasonal haulers
- Terms from 24 to 84 months
- Down payments from 0% (qualified files) up to 25%
Frequently Asked Questions
Can owner-operators apply for truck financing?
Yes. Owner-operators are one of our largest customer segments. Several lenders in our network underwrite specifically for single-truck businesses with as little as one year of CDL experience.
Can I finance a used semi truck?
Yes — most of the highway tractors we finance are used. Lender appetite typically tops out at around 10–12 model years old at funding, with some flexibility based on mileage, brand, and service records.
Is there a minimum or maximum amount?
We routinely arrange truck financing from roughly $30,000 (small straight-trucks) up to several million for fleet purchases. There is no rigid ceiling — pricing and structure simply move with the size and complexity of the file.
Will applying affect my credit score?
A soft credit pull is used during the initial evaluation and does not affect your credit score. A hard pull only happens once you accept a written offer and proceed.
What documents are usually required?
For applications under $250,000 the file is typically minimal — a one-page application and basic ID. Above $250,000 we generally request two years of business financial statements and the most recent three months of bank statements. Specific lenders may also request equipment quotes, articles of incorporation, or a personal net-worth statement.