Industries / Transportation & fleet
A truck that isn't running isn't earning.
Box trucks, trailers, and fleet additions are financeable because they're collateral that moves — literally. Age and mileage set the terms, not just the balance sheet.
Where transportation & fleet businesses feel the gap
- Freight doesn't pause for a truck searchA hauling contract with a start date puts pressure on getting a vehicle financed and on the road before the job begins.
- One down truck is a route not runA single vehicle out of service can mean a missed pickup or a scrambled reroute — capacity and revenue are directly linked in this business.
- Used trucks carry their own rulebookAge-at-payoff limits and mileage matter more here than in most equipment categories, and financing a used unit means underwriting to those specifics.
- Growing a fleet means financing in multiplesAdding one truck is a single decision; adding three to cover a new contract multiplies the down payment and the underwriting all at once.
What this could look like
An owner-operator financing a used box truck at $95,000 over 60 months gets the vehicle on the road before a new contract's start date. Because commercial vehicles are collateral that lenders understand well, terms typically come down to the truck's age, mileage, and the carrier's operating record.
Illustrative example — not a quote
- Equipment cost
- $95,000
- Term
- 60 months
- Assumed rate
- 11.9% APR
Est. monthly payment
$2,108/mo
Assumes excellent credit profile. Rates and terms subject to final underwriting approval.
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