Commercial fleet financing for trucks, box trucks, and fleet equipment — Fleet Capital
Get commercial fleet financing for trucks, box trucks, and fleet equipment. We match US businesses with lenders that work across a range of credit profiles, so you can compare rates and terms and apply when the offer fits.
Soft inquiry only. Checking rates does not impact your credit score.
4.9 Excellent · 3,200+ reviews via Big Think Capital- Asset-based lending
- Total cost of ownership
- Fleet utilization
- Capital expenditure
- Residual value
- Depreciation schedule
- Loan-to-value ratio
- Debt service coverage
Commercial fleet financing
Financing options matched to your situation, in one place.
- Loans Commercial fleet vehicle loans Finance new or used heavy-duty trucks with fixed terms up to 72 months.
- Leasing Commercial vehicle leasing Maintain fleet liquidity with lower monthly payments and options to upgrade.
- Equipment Logistics equipment financing Get funding for trailers, reefers, and warehouse sorting hardware.
- Startup Startup fleet financing Capital programs tailored for new logistics companies with limited history.
- $25K–$2M Funding per fleet
- 24–48 hours Initial approval time
- 1 soft pull Zero credit impact
What business owners say
4.9-
This company was lightning fast and the experience was amazing. Thank you, Dan — you're a real pro!
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Good service Joseph Krajewski is the best agent ever. He provided excellent service. I strongly recommend working with him if you have the opportunity.
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They gave me a chance when nobody else would. I'm very satisfied.
How the money moves.
One soft check to match. One hard pull, and only from the lender you choose. That mechanism is why this is not a broker.
Logistics focus
- Lenders who understand heavy-duty vehicle depreciation cycles.
- Flexible underwriting that values fleet utility over pure credit score.
Speed and access
- Pre-qualification decisions delivered within two business days.
- Access to capital even for owners with less than perfect credit.
Transparency
- Clear breakdown of all fees and interest rates before commitment.
- No hidden broker fees; we are paid by our lending partners.
Why the usual lenders say no.
Your revenue is real. The problem is the form. Here is why traditional underwriting turns away healthy operators in this space, and what we do differently.
Collateral requirements
Traditional banks often reject applications because they view used trucks as depreciating assets with no long-term value.
Short operating history
New logistics companies are often flagged as high-risk by retail banks due to lack of tax returns.
Credit score volatility
A temporary dip in personal credit can cause automatic denial at large regional banks.
What a funded request actually looks like.
Composite illustrative scenarios, not specific borrowers. Each is built from the kinds of requests this niche routinely sees.
Mid-sized logistics firm
Refinancing existing high-interest leases on a fleet of 10 semi-trucks to improve cash flow.
Owner-operator
Purchasing a reliable used Class 8 truck to start independent freight operations.
Warehouse operator
Acquiring three new electric forklifts and pallet racking systems for facility expansion.
Startup fleet owner
Leasing refrigerated trailers for seasonal agricultural transport contracts.
Insurance for logistics operations
Protect your fleet assets with tailored coverage designed for commercial trucking and transport liabilities.