YC Truck Capital is a direct lender for owner-operators, startups and growing fleets. It finances semi trucks, dump trucks, box trucks and trailers of any age or condition, including sleeper and day cabs and dry van, flatbed, reefer and specialty trailers. Approvals can come the same day, terms run 12 to 72 months, and no tax returns or bank statements are needed. Startups and bankruptcy cases are considered.
Penske Truck Leasing offers full-service truck leasing together with fleet maintenance customized to each fleet. Its apps and tools give real-time visibility into fleet data, and it connects with multiple telematics providers. The Sell2Lease program lets companies trade in an outdated fleet. Roadside support runs day and night, and Penske helps businesses decide whether to lease or buy and add electric vehicles.
Truck Lenders USA is a direct lender for commercial trucks, trailers and construction equipment, and says commercial truck financing is all it does. It finances pickups, vocational trucks and sleepers, and runs box truck financing and leasing, fleet programs and clean energy truck and EV financing. Applications are online with no financials required, and decisions come within 2 to 8 hours on business days.
TopMark Funding finances commercial trucks, trailers and heavy equipment for owner-operators, contractors and fleet owners. Programs cover semis, dump trucks, box trucks and tow trucks, plus construction, utility and waste equipment. Quotes use a soft credit pull with no hard credit inquiry. Zero-down programs are available for qualified buyers, and applications up to $250K can be approved within 24 hours.
1st Commercial Credit is a factoring company founded in 2002 that funds businesses in many industries, including trucking and transportation. It offers freight factoring, non-recourse factoring with custom rates, purchase order financing and asset-based lines of credit. Trucking clients can also get a fuel card accepted at most stations nationwide.