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National Funding has funded small businesses for 27 years and serves trucking companies and owner-operators with equipment financing or leasing for new or used trucks up to $150,000 and working capital from $5,000 to $500,000. Applicants need $250,000 in annual sales and six months in operation. The online application does not affect credit, a U.S.-based funding specialist helps choose the option, and funds can arrive the next business day.
Keystone Equipment Finance is an independent lender, not a bank, serving owner-operators and fleet owners. It finances new or used tractor-trailers, box trucks, vocational vehicles, dump trucks and flatbed and refrigerated trailers. The financing agreement is signed electronically, and the management team has over 100 years of combined experience.
Commercial Credit Group is a heavy equipment lender serving construction, manufacturing, transportation and waste businesses. It finances new or used equipment through purchase loans, leases and refinancing, and offers equity release on equipment. Payment structures can include seasonal skip payments, and credit decisions come quickly.
First Capital Business Finance is an asset-based lender for commercial trucks and construction equipment that specializes in B, C and D credit, focusing on the value of the equipment. Most programs up to $250K need no tax returns or P&Ls. Approvals come within 24 hours and funding within days, and startup programs are available for experienced operators.
Smarter Finance USA provides equipment leasing and small business loans, and trucks are among the deals it handles most. It finances and leases semi trucks and vocational trucks such as box, dump, concrete mixer, boom, bucket and tow trucks, and publishes guides for first-time owner-operators and buyers with bad credit. It also funds construction, medical and restaurant equipment.
Truecore Capital provides equipment financing for new or used trucks and vocational vehicles, including box, tow, dump, utility and water trucks, as well as trailers and construction equipment. Buyers can pre-qualify with a soft credit pull. It has programs for startups, established businesses and challenged credit, and it also offers working capital for businesses that need cash beyond the equipment purchase.
Trust Alliance Capital is a family-owned equipment finance company in Kaysville, UT, in business for 22 years. It runs 36 equipment programs, trucks included, with options for every credit tier, including prior bankruptcy, slow pay and thin files. Strong credit is usually zero down. Buyers get approved once and can then buy from any vendor, and a real person answers the phone in about three minutes.
Brobas Capital is a financing broker that matches buyers with lenders from a network of more than 500, with people running the process and AI in support. It covers semis, trailers, dump and box trucks, construction equipment and working capital. The application takes about five minutes with a soft credit look. New authorities and all credit profiles are welcome, terms run 24 to 84 months, and pre-approval often comes the same day.
Big Rig Lending provides working capital loans to owner-operators, up to $25,000 in as little as 48 hours, for repairs, tires, taxes, IRP and insurance. For repairs it can pay the shop directly. Applying takes about 10 minutes on the phone plus four photos. It offers installment loans and lines of credit, has been in business for 10 years and has an office in Dalton, GA.
Roadway Funding finances semi trucks, work trucks, Sprinter vans, local delivery and utility vehicles, with loans from $5K to $5M and leasing options. Buyers can pre-qualify without affecting their credit, and qualified applicants can put zero down. Answers come within a few working hours, documents are signed electronically and funds can arrive as soon as the next business day. The team also helps clients choose truck models.