Fast & Flexible Semi Truck Financing

Finance or lease your next semi, box truck, or fleet with terms tailored for owner-operators and growing businesses.

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Funding in

1–2 Days

Tailored Solutions from Industry Experts

Looking for reliable semi truck financing that won’t slow you down? At Fleet Financial, we make it easy for owner-operators, small fleets, and transportation businesses to secure the funding they need. 

  • Quick and easy approvals
  • Flexible lease and loan options
  • No hidden fees or early payoff penalties
  • Financing available for new and used semi trucks
  • Startups and first-time buyers welcome
  • Specialized programs for owner-operators
  • Commercial and fleet financing expertise

Disclaimer: If Fleet Financial is not the lending party, terms and conditions described herein may be subject to change.

Our Fast & Easy Process

No confusing paperwork. No unnecessary delays. Here’s what to expect when you apply for semi truck financing through Fleet Financial:

Green circle for first step in the process with white number one.

Apply

Complete our convenient online credit application to kickstart your financing journey. Once submitted, our team reviews your information to match you with the best lender for your unique needs.

green circle as part of the second step in the process with white number 2

Get Approved

We’ll quickly collect any required documents and coordinate with the selected lender. Our team is here to guide you through each step, ensuring clarity, speed, and minimal hassle.

Green circle for third step in the process with white number three.

Get Funded

Once everything’s in order, you’ll sign the final documents and lock in your financing—faster than traditional banks or rigid lenders.

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Get To Work

With funding secured, it’s time to hit the road. We’ll help you move forward with confidence.

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A man standing in front of a semi-truck, holding a cell phone, with the truck parked nearby.

Monthly Payment Calculator

Terms are determined after credit review. Subject to lender approval.

Financing Options
$0,000 Estimated Monthly Payment
Price$50,000
Down Payment$0
Amount Financed$50,000

What’s Next?

Apply Now Terms are determined after credit review. Subject to lender approval.

Financing FAQs

We provide financing for a variety of business equipment for the transportation industry, including:

  • Lease-to-own semi trucks
  • Class 8 truck loans
  • Commercial fleet leasing
  • Trailer financing
  • Box truck and day cab financing
  • Owner-operator programs
  • Fleet vehicle funding and more

Our standard equipment loans typically have terms ranging from 36 to 48 months. For larger loans, we may consider extending the term to 60 months.

Fleet Financial does not impose a minimum credit score requirement. Our extensive network of top lenders enables us to assist clients with various credit backgrounds. We are committed to finding the best equipment financing solution for your needs.

To apply for a business equipment loan, simply complete the online credit application. We will request details about both the borrowing business and its principal(s)/owner(s).

Upon approval, we will need proof of identification (a photo of the driver’s license) and contact information for each personal guarantor on the loan.

Additionally, we’ll require an invoice for the equipment being purchased.

The decision-making process takes into account factors such as the length of time the business has been operating, bank and financing references, as well as business and credit bureau ratings. To provide the best products and ensure efficient processing, Fleet Financial uses third-party databases to gather the necessary credit information during the application process.

There’s no minimum credit score required for us to provide you with individualized financing options. We partner with leading lenders nationwide who can help with any credit situation you bring to us. We will provide the best possible financing solution based on your unique situation.

In most cases, yes. However, the requirement for a down payment and its amount are determined by the lender on an individual basis. Our team will work with you to find the best semi truck financing solution that aligns with your financial situation and preferences.

Have other questions not covered here? View our extensive FAQ section or contact our Customer Care Team at 419-502-1235 or email [email protected]

A semi-truck driving down a highway

Get Started with Your Financing Application

Whether you’re purchasing your first truck or expanding your fleet, we offer financing solutions with competitive rates, flexible terms, and a fast approval process.

Apply Now