Financing solutions for independent commercial truckers — Driver Financing
We connect owner-operators and small fleets with lenders who understand the 2026 trucking market and your specific equipment needs.
Soft inquiry only. Checking rates does not impact your credit score.
4.9 Excellent · 3,200+ reviews via Big Think Capital- Owner-operator
- Lease purchase
- Deadhead costs
- Cargo insurance
- Factor rate
- Asset-based lending
- DOT compliance
- Equipment collateral
Commercial trucking and owner-operator equipment financing
Financing options matched to your situation, in one place.
- EQUIPMENT Rig acquisition loans Secure capital to purchase heavy-duty trucks or specialized trailers.
- REPAIR Maintenance programs Cover engine overhauls and transmission repairs to get back on the road.
- WORKING Operating capital Maintain cash flow during contract lulls or unexpected equipment downtime.
- FLEET Expansion credit Grow your independent fleet with dedicated lines of credit for new assets.
- $15K–$750K Funding range available
- 24–48 hours Typical decision speed
- 1 soft pull Zero credit impact check
What business owners say
4.9-
This company was lightning fast and the experience was amazing. Thank you, Dan — you're a real pro!
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Good service Joseph Krajewski is the best agent ever. He provided excellent service. I strongly recommend working with him if you have the opportunity.
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They gave me a chance when nobody else would. I'm very satisfied.
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.
Deep industry focus
- Lenders specialize in commercial transport and heavy-duty vehicles.
- Our network understands fluctuating freight cycles and seasonality.
Transparent process
- Receive clear terms without hidden origination fees or traps.
- Know exactly what you are paying and the total term duration.
Broad eligibility
- Financing options exist for startups and varied credit profiles.
- Collateral-based underwriting focuses on your asset value.
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.
Startup status issues
Traditional banks often require two years of tax returns for any loan.
Low credit scores
Consumer-focused banks use strict FICO thresholds that ignore trucking reality.
Irregular revenue
Standard lenders dislike the seasonal nature of contract freight work.
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.
Owner-operator
Used semi truck purchase for regional freight expansion.
Small fleet owner
Major transmission repair on three trucks to maintain contract compliance.
Independent trucker
New trailer acquisition for specialized oversized loads.
Startup operator
Used commercial vehicle purchase during first year of operation.
Secure your commercial assets
Your trucks are your livelihood. Beyond financing, ensure you have the correct commercial liability and cargo insurance coverage to avoid devastating out-of-pocket costs.