Looking to finance a box truck for your business? Whether you're buying a 16-foot delivery truck, 26-foot moving van, or reefer box for local logistics, we specialize in fast, no-tax-return loans up to $150K.
At TruckLenders USA, we fund box trucks for commercial use only—from private sellers, dealers, or auctions. With over 30 years of experience in asset-backed lending, we make it easy for LLCs, sole props, and fleet operators to get approved without red tape.
Prequalify in 60 seconds with zero impact on your credit.
We provide box truck financing for a wide range of industries that rely on medium-duty commercial vehicles. Our clients include:
Delivery and Logistics Companies – Expand routes or replace aging units
Moving Businesses – Finance reliable trucks without draining cash flow
Contractors – Get box trucks for hauling tools, supplies, and materials
Final-Mile Fulfillment Fleets – Add non-CDL trucks for eCommerce and B2B delivery
If your operation depends on box trucks, we’re built to support your growth.
Our loan structures are flexible, designed for real businesses—not consumer buyers. Whether you’re buying used from Craigslist or new from a dealer, we can help you secure great terms.
Loan Features:
Financing for new or used box trucks (any brand or model)
Private party, dealer, or auction purchases welcome
Loan amounts up to $250,000
Terms from 36 to 72 months
Fixed monthly payments for easy budgeting
Same-day approvals available
To get approved, you’ll typically need:
650+ personal FICO score
2+ years in business (LLC, Corp, or Sole Prop)
$15,000+ in monthly revenue
Active EIN and business bank account
Our streamlined process eliminates the need for tax returns, financial statements, or hard pulls. Just apply online, upload your docs, and let us handle the rest.
See full box truck loan requirements
We finance box trucks nationwide — across all 48 mainland U.S. states. Whether you’re in California, Texas, Georgia, or anywhere else, we make the process easy.
Apply online from anywhere
Fund purchases from local dealers, auctions, or private sellers
No office visit or branch requirement
We’ve helped clients from coast to coast get fast approvals and real funding.
Standard Dry Box Trucks – For general delivery/logistics
Reefer Trucks – Temperature-controlled for food/medical
Lift Gate Box Trucks – Great for furniture and heavy cargo
CDL & Non-CDL Trucks – From 14’ non-CDL to 26’ Class B
Whether you’re buying your first box truck or upgrading a fleet, we’ll confirm eligibility before you commit.
We’re not a bank or dealership. We’re commercial-only lenders with 30+ years in business financing.
No tax returns or financials required
Soft credit pull only
Same-day decisions for strong applicants
Dedicated loan advisors who actually help you close
Our platform is fast, transparent, and built to help working businesses win.
Do you finance used box trucks?
Yes. We finance both new and used box trucks, whether it’s from a dealer, auction, or private seller.
Can I get approved without tax returns?
Absolutely. Our process doesn’t require tax returns or P&Ls. We look at business age, credit, and bank statements.
Do you finance reefer trucks?
Yes, reefer trucks are eligible. Send us the listing and we’ll confirm it qualifies.
Can I buy from a private seller?
Yes. We support private-party deals, Craigslist purchases, and Facebook Marketplace.
Is leasing better than financing?
It depends on your goals. Check out our leasing vs. financing guide to learn more.
Prequalify in 60 seconds — no hard credit pull, no tax returns, and real decisions from real humans.
Start your application now →
