Commercial & Semi Truck Financing

commercial truck financing first capital business finance

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

  • Heavy Duty Tractor & Trailers
  • Medium Duty Commercial Trucks
  • Sprinter Vans
  • Vans
  • Bucket Trucks
  • Water Trucks
  • Utility Trucks
  • Box Trucks
  • Tow Trucks
  • Dump Trucks
  • All Sizes & Types of Trucks
  • PTO & Blowers

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)

  • 1, 2 Mos Payments Down – 10k to 100k – 600 Credit – Start Ups Ok with limitations on finance amount – No Age/Mileage Restrictions – Short Haul Only (Long Haul: Fleet Reqs)
  • 1, 2 Mos Payments Down – 10k to 100k – 620 Credit – 2 years time in biz – Needs Fleet of 2 – No Age/Mileage Restrictions – OTR Ok
  • 10% Down Min – 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)
  • 10% Down Min – Up to 200k – No Credit Score – 1 year time in biz – Must Income Qualify
  • 25% Down Min – 10k to 55k – No Credit Score – 2010 or Newer Under 700k Miles – No Private Party Sellers
  • 50% Down Min – 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)

  • 1, 2 Mos Payments Down – Up to 75k – 620 Credit –  2 years time in biz & must have fleet of at least 2 trucks
  • 10% Down Min – Up to 75k – 670 Credit – 2 years time in biz – Must be a Home-owner
  • 10% Down Min – Up to 45k – 700 Credit – Start-Up Ok – Must be a Home-owner – 5 years CDL
  • 10% Down Min – Up to 80k – 600 Credit – Start-Up Ok – Must have 2 years CDL – 7 years or Newer – Under 500k Miles
  • 10% Down Min – Up to 125k – 650 Credit – Start-Up Ok – Must have 2 years CDL – 7 years or Newer – Under 500k Miles
  • 1, 2 Mos Payments or 10% Down – Up to 60k – 700 Credit – 5 years time in biz & same address

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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