Commercial & Semi Truck Financing

Commercial Truck Financing Can Be Fast and Simple With the Right Provider.

We specialize in commercial vehicle financing and have a wide variety of programs to choose from. This includes both good and bad credit, start up companies, and already established businesses. Even if you have had a recent bankruptcy or late payments on your account, you may still qualify for financing. If your bank can’t get you approved for financing, give us a call and one of our financial advisers will be able to assist you. We provide financing to small to mid-sized business nationwide. Do you want to know what you qualify for? Call us now: 888-565-6692

Need Semi Truck Financing Without a CDL? Click here!

Equipment We Finance

How To Finance A Tractor Trailer After A Bankruptcy

Who We Finance

  • Owner Operators
  • Start-Ups
  • Existing Transportation Companies
  • Private Party & Vendor/Dealer Sales
  • Fleet Owners
  • All industries

Bad Credit or Can’t Provide Financials? Not a Problem!

  • Recent Bankruptcy – Ok!
  • Slow Payments – Ok!
  • Previous Repossessions – Ok!
  • Low Credit Score – Ok!
  • No Financials or Tax Returns Needed!
  • No Money Down Programs!
  • New! NO CDL Programs!

Bad Credit & Average Credit Programs (Start-Ups & Existing Businesses)

  • LOWEST DOWN PAYMENT OPTION: Two months payments due at closing – 10k to 50k – 540 Credit – Start Ups Ok – Must provide 2 years personal/business tax returns – No Age Limit – Max 750k miles – Sleepers & Day Cabs
  • LOWEST DOWN PAYMENT OPTION: Zero to Two months payments due at closing – 10k to 100k – 600 Credit – Start Ups Ok with limitations on finance amount – No Age/Mileage Restrictions – Short Haul Only (Long Haul: Fleet Reqs)
  • LOWEST DOWN PAYMENT OPTION: Zero to Two months payments due at closing – 10k to 100k – 620 Credit – 2 years time in biz – Needs Fleet of 2 – No Age/Mileage Restrictions – OTR Ok
  • MODERATE DOWN PAYMENT OPTION: 2.5% to 10% Down payment due at closing – Up to 150k – 550 Credit w/ 3 Years TIB or 650 Credit for Start-Ups & 3 Years Experience – 2015 or Newer Under 500k Miles (case by case 2014 w/warranty)
  • MODERATE DOWN PAYMENT OPTION: 10% Down payment minimum – Up to 200k – No Credit Score – 1 year time in biz – Must Gross 35k a month min.
  • MODERATE DOWN PAYMENT OPTION: 25% Down payment minimum– 10k to 55k – No Credit Score – Day Cabs or Sleepers – 2013 or newer – Under 700k miles – No Private Party Sellers
  • LARGE DOWN PAYMENT OPTION: 40% to 50% Down – 10k to 400k – No Credit Score – Any Age or Mileage – Previous BK & Repo’s are Ok

Good Credit & Average Credit Programs (Start-Ups & Existing Businesses)

  • LOWEST DOWN PAYMENT OPTION: Zero to two months payments due at closing – Up to 50k – 620 Credit – Day Cabs or Sleepers – Single State Plates (Larger finance amounts available with longer time in business)
  • MODERATE DOWN PAYMENT OPTION: One to two months payments due at closing:  Up to 50k – 620 Credit – Day Cabs or Sleepers – OTR ok-  2 years time in biz & must have fleet of at least 2 trucks (Larger finance amounts available with longer time in business)
  • MODERATE DOWN PAYMENT OPTION: Zero to 10% Down payment due at closing – Up to 75k – 670 Credit – 3 years time in biz – Must be a Home-owner
  • MODERATE DOWN PAYMENT OPTION: 2.5% to 10% Down payment due at closing – Up to 150k – 650 Credit – (start-ups have different guidelines)

Title Loans For Semi Trucks and All Commercial Trucks

For more information about our title loans on commercial trucks & trailers CLICK HERE

To learn more about the benefits of financing your next semi truck purchase CLICK HERE

Or, to learn about what to look for in commercial truck financing companies CLICK HERE

*Please note, programs & guidelines are always subject to change. Please call and ask to speak to one of our advisors to be prequalified.

What our Customers Say About Commercial Truck Financing at First Capital Business Finance:


first capital customer review Eugene Raughley

I cannot say enough about Dustin and his company. My company needed a loan to help us grow and keep more trucks on the road and they were there to help. It was quick and easy and unlike traditional loans this gave us the cash we needed to grow quickly. Thanks for all your help!

To learn more about our financing programs, please call us at 888-565-6692.

I Can’t Say Enough Good Things

I can’t say enough good things about our experience with First Capital Business Finance. Dustin was incredibly helpful every step of the way and always available to answer our questions. We had a tricky approval and a few bumps in the road, and he went above and beyond to help us get our truck and trailer financing. I highly recommend Capital Business Finance.
–Amanda M

Commercial Truck Financing | First Capital Business Finance

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