If you need a box truck to run your business, you shouldn’t be stuck waiting on slow banks or dealing with financing reps who don’t understand commercial equipment. We make getting a box truck financed simple — whether you’re buying from a dealer, a private seller, or an auction.
Check Your Payment Options (No Hard Pull)
Who We Help
- Delivery & courier services
- Final-mile contractors
- Moving & logistics companies
- Restoration & remediation crews
- HVAC, plumbing & service trades
- New businesses just getting started
If the truck helps you earn revenue, we can usually structure a deal.
Why Businesses Choose to Finance With Us
- Programs for established businesses and startups
- Approvals based on real business operations, not just credit score
- Fast processing and direct payment to the seller
- Supportive guidance from a team who works with owner-operators every day
We help you secure the right truck and the right financing — so your business can keep moving forward.
Financing Options Based on Your Business Stage
1) Established Businesses (5+ Years in Business)
For long-standing transportation companies and fleet owners.
Typical Profile:
- Strong and stable credit history
- Established business revenue
- No unresolved liens or judgments
Benefits:
- Lowest monthly payments
- Little or no money down options available
- Application-only approvals for many transactions
2) Growth & Expansion Program (2+ Years in Business)
Ideal for small fleets and owner-operators in their growth phase.
Typical Profile:
- 2+ years operating under your business
- 660+ personal credit recommended
- Some previous borrowing or equipment experience is helpful, but not required
Benefits:
- Competitive terms structured around real operating cash flow
- Minimal upfront cost options available
- Straightforward approval and documentation process
3) Startup Program (< 2 Years in Business)
For newer businesses, including first-time owner-operators.
This program has clearer requirements to ensure long-term success.
Typical Profile:
- Strong personal credit (700+ recommended)
- CDL or relevant industry experience strengthens application
- Down payment usually required (commonly around ~20%)
- Recent business bank statements may be requested
This program is best for newer operators who have a plan in place and are ready to get to work.
4) Credit-Rebuilding (Existing Businesses Only)
For businesses that have been operating at least 2 years, but the owner is currently rebuilding personal credit.
Important:
This is not a startup program and not a “bad credit” promise.
Approvals focus on business consistency, routes, contracts, and experience — not just credit score.
Benefits:
- Allows businesses to keep revenue-producing trucks in operation
- Supportive approach with realistic qualification expectations
Types of Box Trucks We Finance
- 12’–26’ box trucks & dry freight trucks
- Reefer refrigerated box trucks
- Liftgate & ramp trucks
- Cabover & conventional chassis
- Gas & diesel
- New, used, high mileage, older units OK
Dealer, Private Seller, and Auction Equipment are all eligible.
Used Truck Verification (Dealer vs. Private Seller)
We finance trucks from dealers and private sellers.
The documentation needed depends on where you’re buying from.
If Buying from a Dealer
You’ll just need:
- Dealer Quote or Invoice (showing VIN, sale price, and dealer info)
This allows the funding process to move quickly.
If Buying from a Private Seller
We’ll need a few items to ensure a safe, clean transaction:
- Bill of Sale (or written agreement)
- Copy of Title
- Photo ID of the Seller
- Proof of Ownership (registration or matching title)
If the seller still owes money on the truck:
- A Payoff Quote from their lender is required
(we will pay off the loan directly to ensure clear title)
This protects you, your business, and your investment.
Example Monthly Payments
(These are general examples; actual terms vary by business profile.)
| Truck Price | Estimated Payment (60 Months) |
|---|---|
| $40,000 | ~ $825 / month |
| $60,000 | ~ $1,230 / month |
| $85,000 | ~ $1,720 / month |
How the Process Works
The Box Truck Financing Process is as follows
- Apply Online
Tell us about your business.
If you have a truck picked out, upload the quote for faster review. - Review Your Approval Options
We’ll match you with the financing program that fits your business stage.
- Verify the Truck Details
Dealer purchase: Just provide the quote or invoice
Private seller: We’ll request documentation to ensure clear ownership - Sign Documents & We Fund the Transaction
We pay the seller directly — you get the truck and get back to work.
Frequently Asked Questions
Yes – startup programs are available, but require strong personal credit and down payment.
Yes. Most trucks in good working condition within typical mileage/age ranges can be financed.
Yes – we simply verify the title and ownership for protection.
Yes – but approvals consider business history and experience, not just a number.
Ready to Get Started?
Check your payment options and see which program your business qualifies for — without a hard credit inquiry.