Trucking Equipment Financing
Equipment We Finance
We provide funding for new and used equipment, including:
- Semi-trucks and day cabs
- Box trucks and flatbeds
- Reefers and dry vans
- Car haulers and hotshot trailers
- Tankers and dump trailers
- Utility and service trucks
- Tow trucks and rollback carriers
- Yard trucks, chassis, and specialty units
Whether you're buying from a dealer, auction, or private seller, we’ll help you get behind the wheel quickly and affordably.
Where You Can Buy
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You can finance equipment purchased from Truck and trailer dealerships Truck auctions (in-person or online) Private sellers Lease returns or resellers Fleet liquidations If you have a truck picked out already, just share the listing. If not, we can help you get pre-approved first.
Who We Serve
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We work with Owner-operators and lease-to-own drivers New trucking businesses and startups Small and mid-sized fleets Freight, hotshot, and local delivery carriers CDL holders with limited credit Drivers buying from auctions or private sellers No matter your route, we’ll help you secure the truck or trailer you need to keep moving.
Truck Financing Options
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Equipment Loans Own your truck or trailer from day one with a fixed-payment loan. Perfect for long-term hauls and fleet assets. Lease-to-Own Start with lower monthly payments and buy the equipment at the end of the lease. Great for cash-conscious buyers or growing carriers. Auction Financing Bid confidently with a pre-approval in place before the auction. We fund most major equipment marketplaces.
How It Works
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Step 1: Apply Online Takes just a few minutes. No hard credit check. Step 2: Get Approved We review your application and send financing options — usually within 24 hours. Step 3: Close and Roll We finalize the deal and send payment to the seller so you can hit the road.
Why Trucking Businesses Choose Smart Business Credit
- Approvals within 24 hours
- All credit types considered
- Startup-friendly and CDL-friendly programs
- Financing for private party and auction trucks
- Flexible terms and no hidden fees
- Personal support from specialists who understand the industry
We’ve helped drivers and fleet owners across the country finance thousands of trucks and trailers. Whether you're just starting out or adding your tenth unit — we’ve got your back.
Explore Related Equipment Financing
Frequently Asked Questions
Can I finance a truck from a private seller?
Yes. We fund dealer, auction, and private party purchases.
Do you work with drivers who have poor or limited credit?
Yes. We review your full business profile and consider startups and CDL holders with no financing history.
How fast is the approval process?
Most decisions are made within 24 hours.
What’s the minimum amount I can finance?
We fund deals starting at $10,000 and going up to $500,000 or more.
Is a CDL required?
For most commercial truck loans, yes — but we also offer non-CDL business vehicle financing options.
