Capital for your next commercial vehicle — Truck Financing
We connect independent truckers and small fleet owners with lenders who approve heavy-duty equipment loans based on business potential, not just credit scores.
Soft inquiry only. Checking your options will not affect your credit.
4.9 Excellent · 3,200+ reviews via Big Think Capital- Owner-operator
- Full payout lease
- Soft pull
- Balloon payment
- Working capital
- Collateralized loan
- Credit tier
- Fleet expansion
Commercial truck financing and equipment loans for US-based owner-operators and small fleet businesses
Financing options matched to your situation, in one place.
- NEW New truck financing Secure capital for brand new heavy-duty models with competitive lender rates.
- USED Used equipment loans We find lenders who look past vehicle age to the value of the engine.
- REFI Commercial truck refinance Lower your monthly payments by refinancing high-interest existing equipment debt.
- STARTUP Startup trucking loans Access specialized capital for new ventures without years of history.
- $25K–$500K Funding amounts available
- 24–72 hrs Average approval turnaround
- 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.
Transparent Terms
- We do not add hidden fees to your loan agreement.
- All contract details are provided before you sign.
Fast Decisions
- Most lenders provide an answer within three business days.
- Focus on your route while we handle the lender matching.
Credit Flexibility
- Lenders in our network focus on collateral value.
- Bad credit does not automatically disqualify your application.
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.
Business History
Banks refuse loans if you lack five years of trucking business history.
Vehicle Age
Traditional lenders often decline financing for trucks over ten years old.
Credit Score
Big banks reject applications with scores below 650.
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.
Owner-operator
Upgrading to a newer sleeper cab for cross-country routes.
Small fleet owner
Acquiring two additional trucks for regional freight.
Startup trucking
Funding the initial down payment and first rig purchase.
Owner-operator
Refinancing a high-interest loan to lower monthly overhead.
Manage your trucking operations
Access guides on trucking equipment lease vs buy and calculators to forecast your revenue.