Commercial truck financing.
We finance the tractors, trailers, and vocational trucks that keep freight moving, for established carriers, growing fleets, and experienced owner-operators. Over-the-road programs are tiered by credit and operating history, and the guidelines are published below so you know where you stand before you apply.
Commercial Trucking equipment we fund.
Dump truck and trailer added by an established four-truck carrier expanding into aggregate hauling.
Representative example for illustration only — not an actual transaction, offer, or commitment to finance.
Class 8 and over-the-road programs.
Over-the-road financing is tiered. Stronger credit and longer operating history open larger amounts and better structures, while a longer track record can offset a weaker score. These are general guidelines rather than guaranteed approval criteria, and every submission is reviewed on the complete credit profile.
Owner / operators
For experienced operators running their own authority.
- Experience / TIB2+ yrs
- Fleet1+ power unit
- FICO620+
- Max financed$250,000
Tier I
Strongest pricing and the most revolving availability.
- Time in business5+ yrs
- FICO720+
- Paynet650+
- Revolving credit60%
- Max financed$250,000
Tier II
Established carriers with solid commercial credit.
- Time in business2+ yrs
- FICO680+
- Paynet640+
- Down payment5%
- Revolving credit50%
- Max financed$250,000
Tier III
Mid-tier credit, offset with a larger down payment.
- Time in business2+ yrs
- FICO640+
- Paynet620+
- Down payment10%
- Revolving credit40%
- Max financed$250,000
Tier IV
Where a long operating history offsets a lower score.
- Time in business6+ yrs
- Fleet3+ power units
- FICO600+
- Max financed$150,000
Applies to all tiers
Equipment and credit-depth limits that apply regardless of tier.
- Comparable credit50% min
- Max mileage500,000 mi
- Max equipment age10 years
- ReviewFull credit profile
Paynet is a commercial credit score based on how a business has paid past equipment and commercial loans, separate from personal FICO. Comparable credit means prior borrowing of a similar size, so a request generally needs supporting history at roughly half the amount requested. Guidelines shown are typical and vary by transaction; they are not an offer or commitment to finance.
Answers before you apply.
Do you finance owner-operators?
Yes, through dedicated over-the-road programs. Owner-operator transactions generally require at least two years of verifiable experience or time in business, at least one power unit, and a 620 FICO, with financing up to $250,000. Equipment is generally limited to 10 years old and under 500,000 miles.
What credit score do I need to finance a semi truck?
Over-the-road programs generally start at a 600 FICO, and that lowest tier requires six or more years in business and a fleet of at least three power units. A 640 FICO with two years in business typically works with a 10 percent down payment, and 720+ with five years in business reaches the strongest tier. Commercial credit history, measured by a Paynet score, is weighed alongside personal FICO.
Can I buy a truck from a private seller?
Yes. Private-party purchases are welcome, along with dealer and auction buys.
Can I finance the truck and trailer together?
Yes. Tractor and trailer can be combined into a single application and payment.
Unsure about your options?
Schedule a free call with one of our funding experts. We’ll talk through your deal, answer your questions, and lay out exactly what fits — no obligation, no pressure.