Trucking finance 2026

Access capital for your trucking business — Trucking Capital Connect

We connect owner-operators and small fleets to partners who provide equipment financing, working capital, and factoring solutions.

See my funding options Call a funding specialist

Soft credit inquiry does not affect your score.

4.9 Excellent · 3,200+ reviews via Big Think Capital
How it works Why this exists
Industry terminology
  • ELD Compliance
  • IFTA Reporting
  • Freight Factoring
  • Deadhead
  • Lane Rate
  • Cargo Insurance
  • Lease Purchase
  • Operating Authority
What we fund

Commercial trucking equipment financing and working capital for owner-operators and small fleets

Financing options matched to your situation, in one place.

  • $5k–$500k Funding amounts
  • 24–48 hours Time to cash
  • 1 soft pull Impact on credit

What business owners say

4.9 Excellent 3,200+ reviews on Trustpilot via Big Think Capital
  • This company was lightning fast and the experience was amazing. Thank you, Dan — you're a real pro!
    Stephanie Harlan Verified
  • Good service Joseph Krajewski is the best agent ever. He provided excellent service. I strongly recommend working with him if you have the opportunity.
    Josias Ramirez Verified
  • They gave me a chance when nobody else would. I'm very satisfied.
    Harold Benman Verified
How it works

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.

1
You
Submit application
Tell us your fleet size and funding goal.
2
Us
Review criteria
We check requirements against current lenders.
3
Us
Match partners
We connect you to lenders specialized in trucking.
4
Lender
Get funded
Finalize terms and receive your deposit.

Industry specific

  • No jargon barriers with our partners.
  • We know the difference between assets and cash flow.

Fast turnaround

  • Most decisions delivered in under 48 hours.
  • Minimal paperwork for existing operators.

Flexible criteria

  • Options available for lower credit scores.
  • Equipment age is rarely a deal breaker.
Why this exists

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.

01

Short time in business

Traditional banks require two years of tax returns for loan approval.

Partner lenders prioritize your freight volume and current contracts over business age.
02

Low credit score

Big banks automatically deny applicants with scores below 700.

Specialized lenders look at your asset value and fleet revenue instead.
03

Older model trucks

Institutional lenders often refuse to finance vehicles older than seven years.

We work with partners who provide loans based on vehicle condition, not just age.
Composite scenarios

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.

Illustrative Midwest · Equipment
$45k

Owner-operator

Purchase of used sleeper cab after major engine failure

Illustrative Gulf Coast · Capital
$120k

Small fleet manager

Working capital to hire two new drivers for peak season

Illustrative Southeast · Lease
$35k

Startup carrier

Down payment for first rig after obtaining CDL

Illustrative Northeast · Refinance
$85k

Small logistics firm

Refinancing two existing semi truck loans to cut costs

How we label illustrative scenarios →

Related services

Commercial vehicle insurance

While we manage your financing, we also provide referrals for commercial truck insurance to ensure you stay compliant and protected on the road.

View insurance partners Read our editorial standards →
Questions we get asked

Frequently asked.

Factoring allows you to sell outstanding invoices for immediate cash. You generally receive 80-95% of the invoice value within 24 hours, helping cover fuel and maintenance while waiting on 30-day payment cycles from brokers.