Trucking & Semi-Truck Financing
From your first owner-operator rig to expanding an entire fleet — Equipment Finance Academy helps trucking businesses finance new and used equipment fast, with rates from 6.99% and approvals in as fast as 4 hours.
Get Pre-Qualified NowQuick answer
Yes, owner-operators and trucking companies can finance new and used semi-trucks, trailers, and fleet equipment from $30,000 to $5 million with Equipment Finance Academy. The truck serves as collateral, so approvals come in as fast as 4 hours with rates from 6.99% for qualified borrowers, including options for owner-operators and newer authorities.
- New & used trucks and trailers
- Owner-operators welcome
- Rates from 6.99% APR
- Approvals in as fast as 4 hours
Why Trucking Businesses Finance Equipment
Your truck is your business, and downtime is lost revenue. Whether you're an owner-operator buying your first rig or a carrier expanding a fleet, financing lets you get the equipment on the road without tying up the cash you need for fuel, insurance, and maintenance.
We finance semi-trucks, day cabs, sleepers, and every kind of trailer, new or used, from dealers or private-party sellers. Our programs are built for the trucking reality of variable cash flow, seasonal freight, and the need to move fast when the right truck comes available.
Trucking Equipment We Finance
New or used, from dealers, auctions, or private-party sellers — these are the trucking equipment types we finance most.
Sleeper & day-cab semi-trucks
Finance new or used sleeper & day-cab semi-trucks with terms up to 84 months and $0 down for qualified borrowers.
Dry van & reefer trailers
Finance new or used dry van & reefer trailers with terms up to 84 months and $0 down for qualified borrowers.
Flatbed & step-deck trailers
Finance new or used flatbed & step-deck trailers with terms up to 84 months and $0 down for qualified borrowers.
Dump & vocational trucks
Finance new or used dump & vocational trucks with terms up to 84 months and $0 down for qualified borrowers.
Box trucks & straight trucks
Finance new or used box trucks & straight trucks with terms up to 84 months and $0 down for qualified borrowers.
Fleet & telematics upgrades
Finance new or used fleet & telematics upgrades with terms up to 84 months and $0 down for qualified borrowers.
Why Trucking Businesses Choose Equipment Finance Academy
Owner-Operator Friendly
We understand owner-operators and newer authorities, with programs a traditional bank often won't touch.
New or Used Trucks
Finance from a dealer or a private-party seller, new or high-mileage used, with terms up to 84 months.
Move Fast on the Right Truck
Approvals in as fast as 4 hours mean you can close on a truck before someone else does.
Estimate Your Trucking Equipment Payment
Use our free equipment financing calculator to estimate your monthly payment, total cost, and Section 179 tax savings on your trucking equipment.
Equipment Financing Calculator
Estimate your monthly payment, total cost, and Section 179 tax savings
No impact to your credit score
*Estimates only. Actual rate depends on creditworthiness, time in business, and equipment type. Rates as of July 31, 2026. Section 179 savings are an estimate — consult your tax advisor and verify current limits.
Ready to Finance Your Trucking Equipment?
Get pre-qualified in minutes with no impact to your credit score, or estimate what your equipment is worth first.
Trucking & Semi-Truck Financing FAQs
Explore more industries we finance or get a free equipment valuation.