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 service business and need financing for a new or used utility truck, 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 expand. 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 cash flow
Private party and auction purchases welcome
Whether you’re financing a single utility truck or upgrading your entire fleet, our team specializes in structuring deals that make sense for your business.
We’ve built our financing process for serious business owners who are ready to move fast.
Whether you're buying from a dealer, private seller, or auction — here’s how it works:
Start with a few quick questions about your business.
→ No credit check. No pressure. Just enough to get started.
We’ll ask for:
Business name, address, EIN, revenue
Owner name, % ownership, SSN
Equipment details (year, make, model, price)
Upload:
3 months of business bank statements
Driver’s license or CDL
Invoice, bill of sale, or link to the utility truck
Our underwriting team reviews your file and matches you with a lender that fits your:
Time in business (2+ years preferred)
Credit score (650+ ideal)
Monthly cash flow ($5K+ ending balance)
Equipment type and purchase method
We’ll present you with:
Interest rate range
Estimated monthly payment
Term length and down payment (if any)
Once you accept, most deals fund within 1–3 business days.
Tip: Uploading complete docs = faster approval = faster funding.
If you’ve been in business 2+ years, have a 650+ credit score, and average $5,000+ in your business account — you’re already in a strong position.
| Term | Range |
|---|---|
| Loan Amount | $25,000 – $250,000+ |
| Term Length | 24 to 60 months |
| Interest Rates | 8% – 18% (based on credit & truck) |
| Down Payment | 0%–20% (often $0 down for strong files) |
| Funding Timeline | 1 to 3 business days |
Credit Score: 650+ opens better rates
Time in Business: 2+ years unlocks more options
Cash Flow: We look for $5K+ ending balance
Truck Type & Age: Newer = longer terms, better rates
Use our utility truck loan calculator to get a quick estimate:
Best if you want to own long-term.
Pros:
You own the truck outright
Can finance new or used
Build equity in the vehicle
Full Section 179 deduction
Consider if:
You plan to use the truck 5+ years
You want full ownership flexibility
Best if you want lower payments or plan to upgrade.
Pros:
Lower upfront cost
Easier to upgrade often
May be easier to qualify for newer equipment
Consider if:
You want to preserve cash flow
You plan to switch trucks in 2–3 years
You’re doing a short-term contract
We offer both. Apply now, and we’ll walk you through the best option.
Yes — and it’s a huge advantage.
With the Section 179 deduction, you can potentially write off up to $1,250,000 of the purchase price in 2025 — even if you finance the truck.
| Deduction Type | 2025 Benefit |
|---|---|
| Section 179 | Deduct up to $1,250,000 for qualifying equipment |
| Bonus Depreciation | Additional 40% write-off on remaining cost basis |
| Business Use | Must use truck >50% for business |
| Financing OK | Still applies even if truck is financed |
🚛 Example: Finance a $90,000 utility truck today, deduct $90,000 this year — even while making payments over time.
Pro Tip: Talk to your CPA. We’ll coordinate to structure the deal around your tax goals.
If it’s a commercial-use truck, we likely finance it.
| Truck Type | Description & Use Case |
|---|---|
| Service Body Trucks | Built-in tool cabinets and compartments — great for HVAC, electrical, and plumbing work |
| Crane Trucks | Mounted cranes for utility work, heavy installs, or roadside service |
| Bucket Trucks | Telescoping boom trucks — perfect for electrical, signage, or telecom jobs |
| Mechanic Trucks | Outfitted with compressors, reels, and tools — used for mobile repair work |
| Flatbed Utility Trucks | Versatile platforms for equipment hauling, landscaping, and more |
We support dealer, private party, and auction purchases.
We work with real businesses that are growing and need reliable equipment — not just generic applicants.
| Criteria | What We Look For |
|---|---|
| Time in Business | 2+ years preferred |
| Credit Score | 650+ ideal (some exceptions for strong cash flow) |
| Bank Balance | $5,000+ average monthly ending balance |
| Driver’s License/CDL | Required |
| Truck Info | Invoice, bill of sale, or link |
We recommend 650+. Lower scores may still qualify based on business cash flow.
Yes — we finance new and used trucks, including dealer and private party sales.
Yes — we have startup programs for newer businesses with strong revenue or owner credit.
Most deals require 10–20% down, though some clients qualify for $0 down.
Once you upload all your docs, we can often approve within 24 hours and fund in 1–3 business days.
If you’re ready to expand your fleet, win bigger contracts, or replace your work truck — don’t wait weeks for a bank to call you back.
At TruckLenders USA, we help contractors and service business owners:
Get pre-approved without a hard credit pull
Match with the right lender fast
Fund purchases from dealers, auctions, or private sellers
If that sounds like you — let’s get to work.
