Get Fast, Flexible Commercial Truck Financing
No hard credit pull. Decisions in 24 hours.
Get Pre-Qualified NowOver $500M funded nationwide
If you're running a growing business and need financing for a new or used commercial vehicle, you don’t have time for slow banks, endless paperwork, or lenders who don’t understand your industry.
At TruckLenders USA, we work with business owners like you:
2+ years in business
Credit score of 650 or higher
At least $5,000 in monthly ending bank balance
You’ve built something solid — now you're ready to scale. Whether it’s one truck or an entire fleet, we’re here to help you move faster.
No hard credit pull to apply
Same-day approvals in most cases
Flexible terms tailored to your business cash flow
Private party and auction purchases welcome
Programs for dump trucks, box trucks, tow trucks, utility vehicles, and more
Whether you’re replacing an aging work truck or financing 5 new delivery vehicles, our team specializes in structuring deals that make sense for your business.
We’ve built our process for business owners who are ready to move — and don’t want to waste time.
Whether you're buying from a dealer, private seller, or auction — here’s how it works:
Start with a few simple questions about your business.
→ No credit check. No pressure. Just enough to get the ball rolling.
We’ll ask for:
Business name, address, EIN, and revenue
Owner name, % ownership, and SSN
Vehicle details (year, make, model, price)
Upload:
3 months of business bank statements
Your driver’s license or CDL
The invoice, bill of sale, or listing link to the vehicle
Our underwriting team matches you with a lender based on:
Time in business (2+ years preferred)
Credit score (650+ ideal)
Monthly cash flow ($5K+ ending balance)
Vehicle type and purchase source
We’ll send you:
A competitive rate range
Estimated monthly payment
Term length and any down payment needed
From there, you just sign the docs — and funding typically follows in 1–3 business days.
Tip: Uploading complete docs up front speeds up everything.
Whether you’re hauling freight, servicing clients, or running job sites — if your truck helps generate revenue, we likely finance it.
Here are the most common commercial vehicles we fund:
| Vehicle Type | Use Case | Learn More |
|---|---|---|
| Dump Trucks | Hauling, grading, demolition | Dump Truck Financing |
| Box Trucks | Local delivery, logistics, moving | Box Truck Financing |
| Pickup/Work Trucks | Contractors, trades, field service | Pickup Truck Financing |
| Tow Trucks | Roadside assistance, repossession | Tow Truck Financing |
| Bucket Trucks | Electrical, telecom, signage installs | Bucket Truck Financing |
| Utility Trucks | HVAC, plumbing, service calls | Utility Truck Financing |
| Fleet Vehicles | 3+ trucks, multi-location businesses | Fleet Vehicle Financing |
We also finance trailers, mechanic trucks, crane trucks, and more.
Don’t see your truck type? Contact us — if it’s commercial-use and titled in your business name, we can likely finance it.
Every approval is custom — but here’s what most qualified borrowers can expect:
| Factor | Typical Range |
|---|---|
| Loan Amount | $25,000 – $250,000+ |
| Term Length | 24 to 72 months |
| Interest Rates | 8% – 18% (based on credit, cash flow, truck) |
| Down Payment | 0%–20% (0% possible with strong file) |
| Funding Timeline | 1–3 business days after approval |
Wondering what your monthly truck loan payment might look like? Use the chart below to get a quick estimate based on your truck's price and a typical 60-month loan at 9.5% interest.
| Vehicle Price | Estimated Monthly Payment |
|---|---|
| $35,000 | ~$735/month |
| $60,000 | ~$1,260/month |
| $120,000 | ~$2,525/month |
These are just estimates — actual payments depend on your credit, time in business, and equipment details.
Want a more accurate quote? Use our interactive tool to calculate your monthly payment based on:
Loan amount
Interest rate
Term length
| Vehicle Price | Estimated Payment (60 mos @ 9.5%) |
|---|---|
| $35,000 | $735/month |
| $60,000 | $1,260/month |
| $120,000 | $2,525/month |
Yes — and that’s one of the biggest financial advantages of financing.
Thanks to Section 179, you may be able to deduct up to $1,250,000 of your truck purchase in the same year — even if you finance it over time.
| Tax Benefit | What It Means |
|---|---|
| Section 179 Limit (2025) | Deduct up to $1,250,000 for qualifying vehicles |
| Bonus Depreciation | Additional 40% deduction on the remaining basis |
| Applies to Financing | You can still deduct the full amount even if you’re making monthly payments |
| Business Use Required | Truck must be used over 50% for business purposes |
This is how smart operators reduce taxable income and reinvest in their fleets.
| Financing | Leasing | |
|---|---|---|
| Ownership | You own it at the end | You return or buy out |
| Down Payment | Typically 5%–15% (some $0 down) | Lower or no down payment |
| Monthly Payment | Higher than lease, but you build equity | Lower payments, but no ownership |
| Best For | Long-term use, asset building | Short-term contracts, rapid vehicle upgrades |
| Section 179 Benefit | Full deduction likely | Lease payments may be partially deductible |
We offer both lease and finance options. Apply now and we’ll help you choose what fits best.
We don’t believe in cookie-cutter lending. But here’s what makes for a strong applicant:
| Criteria | What We Look For |
|---|---|
| Time in Business | 2+ years preferred |
| Credit Score | 650+ opens up better rates |
| Bank Balance | $5,000+ avg. ending balance (last 3 months) |
| CDL / License | Required for CDL-based trucks |
| Equipment Info | Invoice, bill of sale, or link to the vehicle |
Startups welcome — we have programs for new businesses and first-time buyers too.
To qualify for most commercial vehicle loans, a 650+ credit score is recommended. This opens up lower rates and longer terms. If your score is lower, we may still be able to help — especially if your business cash flow is strong.
Yes — we offer commercial truck financing for startups. If your business is new but you have good personal credit or solid bank activity, we’ll guide you through the best approval path.
Most deals are approved within 24 hours, and you can get funded in 1–3 business days after submitting your documents. We move fast — especially for contractors and owner-operators who need to get on the road.
Yes — we provide used commercial truck financing for purchases from private parties, dealers, and auctions. As long as the truck is business-use and verifiable, we can structure a deal around it.
To get started, you’ll need:
3 months of business bank statements
A driver’s license or CDL
An invoice, bill of sale, or equipment link for the truck
These documents help us approve your commercial vehicle financing application faster — sometimes the same day.
Whether you’re purchasing a dump truck, delivery van, or an entire fleet — we make the process fast, flexible, and built for real business owners.
At TruckLenders USA, we help you:
Get pre-qualified without a hard credit pull
Receive a real approval in as little as 24 hours
Finance new or used vehicles from any source (dealer, auction, or private party)
Choose from loan or lease options that fit your goals
650+ credit score
2+ years in business preferred
$5,000+ average monthly bank balance
