Looking to grow your fleet or replace an aging truck? TruckLenders USA makes commercial truck financing fast, easy, and built for business owners like you. If you’ve got a 650+ credit score and at least two years in business, you're already ahead of the curve.
We work with owner-operators, fleet managers, and vocational contractors who need dependable trucks to keep operations moving. If you're in one of the following industries, we can likely finance your next truck:
Construction (dump trucks, crane trucks)
Delivery and logistics (box trucks, cargo vans)
Towing and recovery
Landscaping and hauling
Regional transportation (day cabs)
We finance both fleet expansions and single-unit upgrades. Whether you’re replacing a box truck or adding a dump truck, we’re ready to help.
We tailor commercial truck financing structures based on your business model, credit strength, and equipment type. Options include:
Finance Lease – Own the truck at end of term. Lower upfront costs with tax benefits.
Traditional Loan – Fixed term, fixed rate. Full ownership from day one.
We work with direct lenders and bank partners nationwide to secure competitive rates with minimal paperwork.
We focus on qualified borrowers who are ready to move quickly. To streamline approval, you’ll need:
650+ FICO Score
2+ Years in Business (Sole Prop, LLC, or Corp)
Truck Invoice or Listing (new or used)
Driver’s License
Last 3 Months of Business Bank Statements
Need help getting these together? Our team walks you through every step.
We finance both new and used commercial trucks, with flexible terms for each:
New Trucks
Longer terms (up to 72 months)
Lower interest rates
Full manufacturer warranty
Ideal for fleet expansions
Used Trucks
Lower upfront cost
Shorter terms (24–60 months)
Equipment must be in good condition (typically <5 years old)
Want to explore options? Whether it’s a day cab truck or a work-ready dump truck, we can help you compare deals.
We’ve funded thousands of trucks since 2002—and we don’t waste your time.
Direct Lenders, No Middlemen – Get matched with real lenders, not brokers.
Fast Prequalifications – No hard credit pull required to get started.
Hands-On Support – We walk you through the entire process.
Specialized in Vocational Trucks – Not just any lender understands the value of a box truck or vocational truck. We do.
High Approval Rates – We know what lenders want and only submit when we’re confident.
How long does it take to get approved?
Most qualified applications receive approval within 24 hours. Funding can happen in as little as 3 business days.
Can I get approved with bad credit?
We specialize in applicants with 650+ credit. If you’re below that, we may refer you to a partner but can’t guarantee approval.
Do you finance private-party sales or auctions?
Yes, we work with both. Just send us the invoice or link to the truck listing.
Is there a minimum or maximum truck age?
Most lenders cap truck age around 10 years. Some go older with low mileage or refurbished units.
What’s the minimum amount you finance?
Typical minimum is $25,000. Maximum varies by lender but can exceed $250,000 for fleet-level borrowers.
Can I finance a truck in my personal name?
We only finance trucks under business entities with at least 2 years of operating history.
How to Qualify for Commercial Truck Loans (coming soon)
What Documents Do I Need to Apply? (coming soon)
If your credit is 650+ and your business has at least two years under its belt, you’re already prequalified for most of our programs. Submit a full application or start with a soft pull to check your options—either way, you’ll hear from us fast.
Apply now or get prequalified—no hard credit pull required.
