Looking to finance a box truck for your business? Whether you're buying a 14-foot non-CDL delivery truck, a 26-foot reefer unit, or a lift-gate moving van, TruckLenders USA specializes in fast, business-only financing solutions with flexible terms and no tax returns required.
For over 30 years, we’ve helped fleet owners, contractors, and logistics companies secure funding for box trucks — from private sellers, auctions, or dealerships — without the usual bank red tape.
Why Businesses Choose Us:
No tax returns or P&Ls required
Soft credit pull only
Same-day approvals for qualified buyers
Up to $250K in funding
Nationwide service – 48 states
We help a wide range of business owners access affordable box truck financing — even if you're just starting out or buying used from a private seller.
Delivery & Logistics Fleets – Scale routes or replace aging units
Movers & Storage Companies – Finance 16–26 ft trucks with or without liftgates
Contractors & Builders – Haul tools, equipment, and materials on job sites
Food & Medical Transport – Finance reefer trucks with temperature control
Final-Mile & Retail Fulfillment – Add non-CDL trucks for local B2B/eCommerce routes
Startup Businesses – First-time truck buyers welcome with solid credit and income
We fund new or used medium-duty box trucks used strictly for commercial purposes. Whether you're replacing a single unit or building a fleet, we've got you covered.
| Truck Type | Eligible for Financing |
|---|---|
| Dry Box Trucks (14’–26’) | Yes |
| Reefer Trucks (Refrigerated) | Yes |
| Lift Gate Trucks | Yes |
| Flatbed Box Trucks | Yes |
| CDL & Non-CDL Trucks | Yes |
| Step Vans & Parcel Trucks | Yes |
Our financing is structured for real business use — not consumers. We look at your credit and cash flow, not your tax returns.
Loan amounts from $15,000 to $250,000
Terms from 36 to 72 months
Fixed monthly payments
Used or new trucks eligible
Finance from private party, auction, or dealership
Same-day decisions available
We keep it simple — no tax returns, no hard credit pull, no corporate financials.
650+ FICO score
2+ years in business (Corp, LLC, or Sole Prop)
$15K+ monthly revenue
Business bank account & EIN
Invoice or bill of sale from seller
Not sure if you qualify?
📩 Prequalify in 60 seconds with no credit impact.
Apply Online – Complete the short prequal form
Upload Docs – Business bank statements and ID
Get Preapproved – Same-day decision for qualified borrowers
Send Truck Info – Share invoice or seller link
Get Funded – We wire funds to seller, fast
No hard credit pull until you're ready to fund.
| Financing | Leasing | |
|---|---|---|
| Ownership | You own it | Lender owns it |
| Monthly Cost | Higher initially | Often lower upfront |
| Down Payment | Required (0–20%) | May be $0 down |
| Tax Benefits | Depreciation | Lease write-offs |
| Long-Term Value | Retain equity | No equity |
| End-of-Term | Keep or resell | Return or renew |
Tip: Financing is ideal if you plan to keep the truck long-term.
5 years in business, 685 FICO
Buys 2019 reefer truck from auction
Gets $60K loan over 60 months
No tax returns needed
1 year in business, 700 FICO, owns home
Finances used 16’ non-CDL dry van from Craigslist
Gets $30K with 10% down
Builds business credit with monthly payments
Do you finance used box trucks?
Yes — including private sellers, auctions, and dealerships.
Do you work with startups?
Yes, if you have strong credit (700+) and ownership/home equity.
Do you finance reefer or liftgate trucks?
Absolutely. Just send us the listing for review.
Can I get approved without tax returns?
Yes. We use your bank statements to evaluate cash flow.
Do you finance multiple trucks or fleets?
Yes — for established businesses with revenue to support multiple units.
Is there a prepayment penalty?
No prepayment penalties on most term options. Pay off early if desired.
We're not a bank. We're commercial lenders who specialize in asset-based loans.
Approvals in 4–6 hours
Real people who help you close
Streamlined doc collection
Decades of experience in commercial lending
We’ve helped thousands of truck buyers fund their next unit — faster, easier, and smarter.
Start your application now — and get a decision in hours, not weeks.
60-second prequal form
No hard pull
Private party, dealer, or auction eligible
Talk to a real loan advisor anytime
