California small business funding
Semi Truck Financing
New and used Class 8 truck and trailer loans from $25K to $500K per unit. Owner-operators, startup authorities, and growing fleets welcome. Approvals in 24–48 hours.
Soft credit pull. No obligation. Won't affect your score.
What we finance
Tractors, trailers, and everything in between.
New Class 8 Tractors
Freightliner, Peterbilt, Kenworth, Volvo, International, Mack — dealer purchases with terms up to 72 months.
Used Semi Trucks
Dealer or private-party sales. Older units and higher mileage considered with adjusted terms.
Trailers
Dry vans, reefers, flatbeds, step decks, tankers, and lowboys — financed alone or bundled with the tractor.
Fleet Expansion
Add 1–10 units at once with a single approval for established carriers.
Refinance & Cash-Out
Lower your payment or pull equity out of trucks you already own for repairs, insurance, or growth.
CARB-Compliant Upgrades
Replace older engines to meet California's Clean Truck Check and fleet emissions rules.
Who qualifies
Semi truck loan requirements.
- Credit from 550. Lower scores mean more down, not an automatic no.
- Valid CDL. Driving experience strengthens startup approvals.
- New or established authority. Startup MC programs available; 2+ years gets the best terms.
- Truck details. Year, make, mileage, VIN, and a seller invoice.
- No upfront fees. We're paid by the lender when you fund.
How it works
From application to keys in about a week.
- 1
Apply in 5 minutes
Basic business info, CDL, and the truck you want. Soft credit pull only.
- 2
Get approved in 24–48 hours
We shop your file across truck lenders and bring you the best terms.
- 3
Send the invoice
Dealer or seller invoice, VIN, and title details.
- 4
Drive away
Funds go directly to the seller, typically within 2–5 business days.
Related trucking funding
Trucking Business Loans
Working capital, fuel advances, and fleet loans.
Learn moreFreight Factoring
Get paid on your loads in 24 hours.
Learn moreEquipment Financing
Shop equipment, trailers, and more.
Learn moreTruck Loan Calculator
Estimate your monthly payment and total cost.
Learn moreFinancing With Bad Credit
What lenders check and how to get approved.
Learn moreFinancing Requirements Checklist
Credit, down payment, documents and CARB compliance.
Learn moreSemi truck financing FAQ
What credit score do I need for semi truck financing?
Many programs start around 550 FICO. Stronger credit (650+) and 2+ years with authority get the best rates and lowest down payment. Lower scores usually mean a larger down payment rather than a decline.
Can I finance a semi truck with a new MC authority?
Yes. Startup programs are available for new authorities and first-time owner-operators, typically with 10–25% down. A CDL and some driving experience help your approval.
How much down payment do I need for a semi truck?
Established carriers with good credit can qualify for as little as $0–10% down. Startups or credit-challenged buyers usually put 15–25% down.
Can I finance a used semi truck?
Yes. We finance new and used Class 8 tractors, including private-party and dealer purchases. Older trucks and high mileage can shorten the term, but they are financeable.
How fast can a semi truck loan fund?
Most approvals come within 24–48 hours of a complete application, and funding typically follows in 2–5 business days once the invoice and title details are in.
Ready for your next truck?
5-minute application. Soft credit pull. A California advisor reviews every file personally.
Start My Application →