Need a new truck to keep your business running? Whether you're a contractor, fleet manager, or small business owner, commercial truck loans give you the buying power to stay on the road without draining your cash flow. At TruckLenders USA, we make it easy to get approved—no fluff, no delays. With same-day decisions, competitive terms, and zero hard credit pull to prequalify, you can get funded fast and focus on what matters: your business.
Commercial truck loans are business loans used to finance the purchase of medium- and heavy-duty vehicles—think box trucks, dump trucks, tow trucks, and vocational work trucks. Unlike consumer auto loans, these loans are structured specifically for business use, with underwriting focused on:
Time in business
Cash flow and bank statements
Credit history (650+ preferred)
Truck type and condition
The truck itself usually serves as collateral, which makes these loans easier to secure than unsecured business funding.
TruckLenders USA connects you with lenders that specialize in asset-backed loans for commercial vehicles. We help you finance trucks from dealerships, private sellers, or auctions.
We focus on qualified borrowers ready to move quickly. You’re a good fit if you meet the following:
Credit Score: 650+
Business Age: At least 2 years in operation (LLC, Corp, or Sole Prop)
Location: U.S.-based business
Equipment Type: Must be a commercial vehicle used for income-generating work
We offer a variety of commercial truck loan structures to match your goals:
Fixed monthly payments
Full ownership from day one
Terms from 24 to 72 months
Great for buyers with strong credit and stable cash flow
Lower upfront cost
Option to purchase at end of term
Tax-deductible structure for many businesses
Good fit for buyers planning to own long-term
No matter the structure, every deal is custom-built around your business needs and risk profile. Whether you're financing a dump truck or a box truck, our lenders understand the real-world value of your equipment.
We’ve simplified the process to eliminate friction and get you funded fast.
Submit a short form with your credit score, business age, and truck details. No impact on your credit score.
We’ll request a driver’s license, 3 months of business bank statements, and a truck invoice or link.
Once submitted, most applicants receive approval within 24–48 hours.
Upon acceptance, funds are sent directly to the seller or dealer. You drive away with your new truck.
Already found a vehicle? Submit now and get approved today. Still shopping? Prequalify and lock in terms while you search.
Thousands of truck buyers have trusted TruckLenders USA since 2002. Here’s why:
Fast Turnaround: Prequalify in minutes. Approvals in less than 24 hours.
Zero Hassle: No hidden fees. No bait-and-switch offers.
Business-Focused: We understand vocational equipment, seasonal cash flow, and what lenders look for.
Specialized Programs: We’ve got solutions for tow trucks, day cabs, crane trucks, and more.
Real Support: You get a dedicated rep—not a call center—who helps you start to finish.
Buying a truck shouldn’t feel like a fight. We make it frictionless.
Tow Truck Financing (coming soon)
Day Cab Truck Leasing (coming soon)
Documents Needed to Apply (coming soon)
If you’re a serious buyer with 650+ credit and 2+ years in business, there’s no reason to wait. Prequalify now with no hard credit pull, or submit your full application and get approved as early as today.
Apply now. Get funded. Hit the road.
Start Your Application
