Financing for Heavy & Light Duty Trucks
Whether you’re adding a single pickup to your operation or building out an entire fleet, Commerce Capital provides fast, flexible truck financing with competitive rates and terms tailored to the transportation industry.
Trucks & Commercial Vehicles We Finance
From Class 1 pickups to Class 8 over-the-road rigs — if it moves your business forward, we can finance it.
Why Trucking Professionals Choose Us
We Know the Trucking Industry
We work with trucking companies, owner-operators, and fleet managers every day. Our team understands mileage considerations, seasonal demand, and how to structure deals that keep your trucks on the road and your cash flow healthy.
Same-Day Credit Decisions
Time is money in transportation. We deliver credit decisions the same day — often within hours — so you can close on the truck you need without missing a load or a deadline.
Competitive Rates & Terms
We shop your deal across multiple financing sources to find the most competitive rate and structure — so you get the best deal, not just the first offer.
Simple Application-Only Programs
No tax returns. No financial statements. No business plans. For most deals, all we need is a simple one-page application and an equipment quote to get you a credit decision.
Owner-Operators & Fleets Welcome
Whether you’re a single owner-operator financing your first rig or a fleet manager adding 10 trucks at once, we have programs that fit. We work with all credit profiles and business sizes.
A Dedicated Point of Contact
You’ll work with one person from start to finish — not a call center. We know your name, your business, and your trucks. That’s how it should be.
Get Financed in 4 Easy Steps
Get Your Quote
Get a quote or bill of sale from the dealer, auction, or private seller with the truck details and total cost.
Apply Online
Fill out our simple one-page application — it takes about 5 minutes.
Get Approved
We find the most competitive financing option for your deal and present you with the best terms.
Get Your Truck
Sign electronically, the seller gets paid directly, and you take delivery of your truck.
Trusted by Trucking Professionals
“I needed to add two dump trucks to my fleet before the busy season. Commerce Capital got me approved and funded in under 48 hours. The process was incredibly smooth.”
Truck Financing FAQ
Yes. We finance both new and used trucks. Many of our clients purchase pre-owned semi-trucks, dump trucks, and commercial vehicles. As long as the truck has remaining useful life and holds value, we can typically get it financed.
We work across the full credit spectrum — from excellent credit to startups and challenged credit. We can often find a path to approval even if your credit isn’t perfect. Reach out and we’ll give you an honest assessment.
Most credit decisions come back the same day — often within a few hours. Once approved, documents are sent for electronic signature and funding typically happens within 24–48 hours of receiving signed docs.
For most deals, no. We offer application-only programs — just a one-page credit app and your truck quote or bill of sale. Larger deals or certain credit situations may require additional documentation.
Yes. While dealer purchases are the most straightforward, we also finance trucks purchased from private sellers and auctions. You’ll need a bill of sale with the truck’s details (year, make, model, VIN, mileage) and the agreed-upon price.
In most cases, yes. Under Section 179, you may be able to deduct the full purchase price of qualifying vehicles in the year they’re placed in service — even if you finance them. The 2025 deduction limit is $2,500,000. Consult your tax advisor for details specific to your situation.
Absolutely. We regularly handle fleet deals where owners finance multiple trucks under a single agreement with one monthly payment. Whether you’re adding two dump trucks or ten box trucks, we can structure a deal that works.
Ready to Finance Your Next Truck?
Whether you’re an owner-operator buying your first rig or a fleet manager expanding operations, Commerce Capital makes truck financing fast, easy, and affordable.