Semi truck financing for owner-operators and fleets — Truckers Finance Network
Get semi truck financing for new or used trucks, trailers, and working capital. We match owner-operators and small fleets with lenders that weigh your hauling cash flow over perfect personal credit, then you compare their rates and terms side by side.
Soft credit inquiry only. Does not affect your credit score.
4.9 Excellent · 3,200+ reviews via Big Think Capital- Factoring
- Lease-purchase
- Deadhead
- IFTA
- Authority
- Force-placed
- Bill of lading
- Driver dwell time
Semi truck financing
Financing options matched to your situation, in one place.
- EQUIPMENT Heavy truck loans Find financing for new or used semi-trucks, trailers, and specialized rigs.
- WORKING Operational cash flow Cover fuel, tires, and maintenance while waiting on invoice payments.
- LEASING Lease purchase plans Flexible lease-to-own paths for owner-operators looking to grow a fleet.
- REFIS Loan refinancing Lower your monthly payments on existing high-interest commercial debt.
- $10K–$1M Available funding amounts
- 24–48 hours Typical approval time
- 1 soft pull Impact on your credit
What business owners say
4.9-
This company was lightning fast and the experience was amazing. Thank you, Dan — you're a real pro!
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Good service Joseph Krajewski is the best agent ever. He provided excellent service. I strongly recommend working with him if you have the opportunity.
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They gave me a chance when nobody else would. I'm very satisfied.
How the money moves.
One soft check to match. One hard pull, and only from the lender you choose. That mechanism is why this is not a broker.
Industry focus
- We only match you with lenders who understand trucking business cycles.
- Lenders assess your fleet value, not just personal credit history.
Transparent terms
- No surprise fees or hidden costs in your loan agreement.
- All loan disclosures are provided upfront before you sign anything.
Fast approvals
- Receive an initial decision within 48 hours for most applications.
- Streamlined documentation process tailored for drivers on the road.
Why the usual lenders say no.
Your revenue is real. The problem is the form. Here is why traditional underwriting turns away healthy operators in this space, and what we do differently.
Credit score under 600
Traditional banks automatically reject applicants with imperfect credit scores.
New authority under 1 year
Many lenders view startups as high-risk, requiring years of active authority.
High debt-to-income
Retail banks calculate debt using outdated personal finance formulas.
What a funded request actually looks like.
Composite illustrative scenarios, not specific borrowers. Each is built from the kinds of requests this niche routinely sees.
Solo owner-operator
Used Freightliner purchase for regional routes
Small fleet owner
Refinancing high-rate legacy loans
Startup carrier
Working capital for fuel and insurance deposits
Independent contractor
Lease-purchase transition for trailer upgrade
Commercial insurance options
Financing is only part of the puzzle. Connect with providers who specialize in primary liability, cargo, and physical damage policies for owner-operators.