New authority? Start here.
First truck, new MC number, big plans. Startups considered. All credit profiles considered.
Built for first-time owner-operators
Startups considered
No time in business yet? OK.
Experience counts
CDL years and driving history.
All credit profiles
Your full picture matters.
Trucks and trailers
Semis, reefers, vans, medium duty.
Startup checklist
CDL and experience
Years driving and clean history help.
Down payment
Plan for one if you can.
Business setup
Entity, EIN, authority details.
The truck
Year, mileage, price, seller.
Credit has some dings? Read bad credit semi truck financing. Hauling cold freight? See reefer trailer financing.
Frequently asked questions
Can I get a truck loan with a brand new authority?
Startups and new authorities are considered. Driving experience and a down payment can help your request.
Do I need time in business?
No minimum is required to start a request. Time in business is one part of the review.
How much down payment should a startup plan for?
It depends on the truck and your file. A specialist can talk through what is typical for your situation.
Can I finance a used truck as a startup?
Used trucks can be considered. Age, mileage and price are part of the review.
Does my personal credit matter?
For startups, personal credit is usually part of the review. All credit profiles are considered.
What is the first step?
Answer the quick qualifier or book a funding meeting with a funding specialist.
Ready to roll?
Answer a few quick questions or talk with a funding specialist.