A delivery vehicle is both your biggest purchase and the thing that earns the revenue. Financing it lets you add capacity without emptying the operating account.
Apply Now →This page is written for local and regional delivery and freight operations. It does not address long-haul over-the-road trucking, and nothing here promises funding for any particular carrier. The vehicles in view here are vans, box trucks, straight trucks, liftgates, reefer units and trailers used on local and regional routes.
| Newer vehicle | Older vehicle | |
|---|---|---|
| Up-front cost | Higher | Lower |
| Repair exposure | Lower in the early years | Higher, and less predictable |
| Downtime risk | Usually lower | A breakdown can pull a route off the road |
| Financing | Value is easier to document | Age and condition get more scrutiny |
No funder commits on these terms from this page. They are the questions to ask when comparing a purchase.
A truck pays for itself through miles and deliveries, so spreading its cost over the period it earns revenue is the natural match. It also keeps your operating cash available for fuel, repairs and insurance, which do not slow down just because you bought a vehicle. We do not publish rates or terms. They depend on your statements and the purchase.
For illustration only, not our terms. An owner with two vans wants a third at $38,000 to take on a new route. If the new route's revenue covers the vehicle cost, driver pay and fuel with something left over, the purchase makes sense. If the route is not yet signed, wait until it is.
About five minutes to apply. We ask for roughly three months of business bank statements and do not need tax returns. The credit check is soft, FICO 500 and above is considered, and sole proprietors can apply. Funding runs from $25,000 to $5,000,000, and funds can arrive in as little as 24 hours. Bring a quote for the vehicle. Start the application.
No. This page addresses local and regional delivery and freight equipment and makes no promise about long-haul trucking.
Often, though funders look at age and condition. Bring a bill of sale or dealer quote.
Yes. A new unit changes your insurance cost, so know the number before you commit.
Add-on equipment is commonly part of the purchase package. List it on the quote.
Sole proprietors can apply.
Three months of business bank statements and a 5-minute application. FICO 500+ considered. $25,000 to $5,000,000, funded in as little as 24 hours.
Apply Now →It takes about two minutes and it will not affect your credit score.
No obligation • No impact to your credit score
