Get Fast, Flexible Commercial Truck Financing
No hard credit pull. Decisions in 24 hours.
Get Pre-Qualified NowOver $500M funded nationwide
Running a contracting or service business often means one thing: you rely on your trucks to keep jobs moving. Whether you’re hauling tools, carrying crews, or managing deliveries, the right work truck can make or break your schedule.
At TruckLenders USA, we make it simple to finance new or used work trucks — without slow banks or piles of paperwork.
Minimum qualifications:
2+ years in business
650+ credit score
$5,000+ average monthly bank balance
You’ve already built a strong business. Now it’s time to add the trucks you need to keep growing.
No hard credit pull to apply
Same-day approvals in most cases
Flexible terms matched to your cash flow
Dealer, private party, and auction purchases welcome
Whether you need a single utility truck or a small fleet of service trucks, we specialize in deals that work for your business.
Get Pre-Qualified Now
Our process is designed for business owners who need fast approvals and straightforward terms.
Answer a few questions about your business — no credit pull required.
Provide:
Business name, EIN, address, and sales
Owner information (SSN, % ownership, home address)
Equipment details (year, make, model, seller)
Upload:
3 months of bank statements
Driver’s license or CDL
Invoice, bill of sale, or listing link
We review your:
Time in business
Credit score
Cash flow
Then we match you with the right lender.
You’ll receive:
Estimated monthly payment
Interest rate range
Term length and down payment (if any)
Funding typically follows within 1–3 business days.
| Term | Range |
|---|---|
| Loan Amount | $20,000 – $200,000+ |
| Term Length | 24 – 60 months |
| Interest Rates | 7% – 18% (based on credit & equipment) |
| Down Payment | 0%–20% (0% possible for strong borrowers) |
| Funding Speed | 1–3 business days |
Credit Score – 650+ unlocks best programs
Time in Business – 2+ years preferred
Cash Flow – $5,000+ in average ending balance strengthens approvals
Truck Type & Age – Newer work trucks = longer terms + better rates
Your exact payment will depend on your credit, down payment, and the truck’s details — but here are some sample estimates to help you plan.
Own the truck outright at the end
Lower overall cost long-term
Build equity and resale value
Best if you’ll keep the truck 5+ years
Lease structure with ownership at end (often $1 buyout)
Lower upfront cost and flexible monthly payments
Best if you want to preserve cash flow but still plan to own the truck
| Feature | Financing (Loan) | Capital Lease |
|---|---|---|
| Ownership | At loan payoff | At lease end ($1 buyout) |
| Monthly Cost | Typically higher | Often lower early on |
| Tax Treatment | Depreciation + Section 179 | Lease expense deductions |
| Best For | Long-term ownership | Cash flow + ownership later |
| Criteria | What We Look For |
|---|---|
| Time in Business | 2+ years preferred |
| Credit Score | 650+ |
| Bank Balance | $5,000+ average ending balance (last 3 months) |
| License / CDL | Required |
| Equipment Info | Invoice, bill of sale, or listing link |
If this sounds like you, you’re in a strong position to get approved.
Even if your business is new, we may still be able to help.
Minimums:
18+ months of related industry experience
Less than 2 years in business
20%+ down payment
Rates: 12%–20%
Max loan: Based on credit and bank statements
Best For:
Contractors going out on their own
Owner-operators buying their first truck
New LLCs or sole props with steady cash flow
Credit challenges don’t have to stop you.
Requirements:
Credit below 625
50% down payment
Rates: 15%–30%
Max loan: $45,000
Newer trucks or proof of contracts preferred
Best For:
Buyers with stable income despite low credit
Operators with contracts in hand
Those purchasing lower-priced work trucks
One of the smartest reasons to finance a work truck is the tax advantage. Thanks to Section 179, business owners can write off large equipment purchases in the year they buy them — even if they’re financing.
Deduction Limit: Up to $1,250,000 for qualifying equipment (including work trucks)
Bonus Depreciation: An additional 40% deduction after your Section 179 expense
Eligibility: Truck must be used 50% or more for business purposes
Applies To: Both financed purchases and capital leases
Write off the full cost now — lower your taxable income immediately
Preserve cash flow — finance the truck and still get the full deduction
Pay for it over time — monthly payments while enjoying year-one tax savings
Finance a $75,000 work truck in 2025.
You may be able to deduct the entire $75K this year, even though you’ll be paying it off in manageable monthly payments.
This strategy lets you add equipment, grow your business, and reduce your tax bill — all at once.
Pro Tip: Many contractors and service companies use Section 179 before year-end to upgrade or expand their fleet. Acting before December 31st ensures you can claim the deduction on your 2025 taxes.
Q: Can I finance a used work truck?
Yes — we finance both new and used trucks from dealers, private sellers, and auctions. As long as we can verify the truck’s details (VIN, mileage, condition), we can structure a deal around it.
Q: How fast can I get funded?
Most approvals happen within 24 hours once your documents are submitted. Funding can follow in as little as 1–3 business days, meaning you can put your new truck to work right away.
Q: What’s the minimum down payment?
Strong borrowers may qualify for $0 down. However, most programs require 10%–20% down, especially if the truck is older or your credit is below 700. The better your file, the less you’ll need upfront.
Q: Do I need a CDL?
Yes, if the truck requires one for legal operation. For lighter service trucks (like pickups or smaller utility trucks), a CDL isn’t necessary — but for larger vocational units, lenders typically require proof you’re licensed.
Pro Tip: Uploading bank statements, ID, and the truck invoice upfront often cuts days off the approval process.
At TruckLenders USA, we help contractors, fleets, and small business owners finance the work trucks they need to get the job done.
Fast pre-approvals with no hard credit pull
Approvals matched to your profile in 24 hours
Funding for new and used work trucks from any seller
Minimum Requirements:
650+ credit score
2+ years in business
$5,000+ average monthly bank balance
Start your no-pressure pre-approval today and put your next work truck on the road within days.
