Commercial Trucking Business Loans

Fuel your business with loans tailored for your trucking business

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Types of Trucking Loans

Small Business Loans icon

Small Business Loans

Secure operating capital for daily expenses, materials, payroll and more.

$5,000 to $500,000

Equipment Financing and Leasing icon

Equipment Financing and Leasing

Purchase or lease equipment for your trucking business.

Up to $150,000

Loans for Commercial Trucking Businesses

Business is booming for the commercial trucking industry. Rising demand means business owners need to stay organized, keep trucks on the road, and hire committed drivers. Every aspect of business requires flowing capital to keep the business running. Financing can be the solution for business owners and owner-operators to keep the business up and running – or take the business to the next level.

Because almost every business relies on the trucking industry to move products across the country, it’s in your interest to position your business to b able to take advantage of the current demand for trucking services. To gain a competitive edge, you’ll need the financial resources to maintain a fleet of trucks and drivers, while keeping your logistics programs up to date. We recognize this is no easy task, so we provide commercial truck loans to give you the funds to buy, maintain and manage the truck fleet necessary for your company’s ultimate success.

Whether you're a trucking business owner or an owner-operator, strengthen your business or scale your trucking initiatives with financing from National Funding.

Keep Trucks on the Road icon

Keep Trucks on the Road

  • Commercial truck loans can be used to pay for maintenance costs to keep your fleet functional
  • Repair the trucks in your fleet using loan funds for common fixes and vehicle maintenance
Cover Administrative Costs icon

Cover Administrative Costs

  • Commercial truck loans can be used to pay registration and certification fees related to mandatory trucking laws
  • A truck loan can cover the cost of insurance for your physical trucks and business with trucking business loans
Hire and Train Competent Drivers icon

Hire and Train Competent Drivers

  • Commercial truck loans allow you to hire more CDL drivers when demand goes up
  • Use the loan funds to cover important employee truck driver training courses and safety seminars
Add Trucks to Expand Your Business icon

Add Trucks to Expand Your Business

  • Commercial truck loans give you the chance to finance or lease new or used trucks for your fleet
  • Expanding the trucks in your fleet allows you to take on more business and make more efficient deliveries

How Commercial Trucking Business Loans Help You

A commercial truck loan can provide you with funds to help you improve your business. There are many benefits to using a trucking business loan to propel your business forward, including:

Preserves Working Capital

A commercial truck loan can help you preserve your working capital by providing cash flow to use towards maintaining your vehicles, purchasing truckers’ equipment, fueling up, and other essential trucking expenses. Extra capital also goes a long way for peace of mind in the event of an unforeseen accident.

Improves Competitive Edge

By providing your trucking business with funds to help you purchase, maintain, or improve your trucks, a commercial truck loan allows you to take your business to the next level. These truck loans allow you to worry less about finances and focus more on the important aspects of your business to help you become more profitable and competitive in your every industry.

A Variety of Financing Options

Going with a commercial trucking business loan instead of a traditional loan will allow you to have more financing options and flexibility with your financial arrangements to best meet your business needs. Working with a lender that specializes in loans for trucking business owners and owner-operators provides better, more customized financing solutions to best help your business thrive.

How to Get a Loan for Your Trucking Business

Qualifying for a trucking small business loan is straightforward. Some typical eligibility requirements include a business having at least $250,000 in annual sales and operating for at least six months. Our application process is simple and requires as few documents as possible – you’ll need your business bank statements.

How to Apply

And how do small business loans for owner operators work? Applying for a trucking business loan has never been easier…
How to Apply steps

Why National Funding?

As a trucking business owner, you know that securing commercial truck financing for purchases or logistics software isn’t always easy. Many traditional lenders tend to shy away from providing funds to the trucking industry. At National Funding, we’re committed to helping truckers and fleet managers get the most out of their business. We won’t make you wait weeks to learn if you’ve been approved or not. In fact, we make getting started simple with an online application.

We Know Trucking Businesses

We Know Trucking Businesses

Experience supporting trucking business owners

Trusted by Businesses Like Yours

Trusted by Businesses Like Yours

Over $4.5 billion in funding to more than 75,000 businesses nationwide

Personalized Experience

Personalized Experience

Lending solutions and payment options tailored to your specific needs

Fast & Easy Application Process

Fast & Easy Application Process

No-cost, no-obligation application with funding in as few as 24 hours1

Funding Specialists Who Care

Funding Specialists Who Care

Experienced Funding Specialists help you make the right decision

Worry-Free Lending

Worry-Free Lending

No collateral requirements, plus simple, automatic payments3

Trucking Business Resources

Running your trucking business requires you to stay organized and be ready to make decisions at any time. You never know what’s going to happen when your drivers set off to make a delivery. Foul weather or unexpected delays can cause a lot of stress on your trucks and your company. Luckily, commercial truck loans and other financial management practices can help you keep the financial side of your business under control. We’ve provided you with a few tips and resources to help you keep your trucking business moving.

How Expanding Your Truck Fleet Can Lead to Business Growth

How Expanding Your Truck Fleet Can Lead to Business Growth

Adding another truck to your fleet may sound like an unnecessary expense. After all, new commercial trucks are expensive. You’ll need to hire a new driver as well, which just adds to the expense. However, increasing the number of trucks in your fleet has its upsides. Read this article to learn how adding more trucks can actually lead to business growth.

Top 10 Commercial Truck Insurance Companies

It’s important to have the right insurance for your business to cover contract disputes, employee injury, weather damage, and product liabilities. Check out these 10 top insurance companies for trucking businesses and find one that’s right for you.

Could I Owe Taxes for Selling Used Trucking Equipment

Could I Owe Taxes for Selling Used Trucking Equipment

If your trucking business has an older truck that it doesn’t need, or heavy equipment it’s no longer using, it may make sense to sell it. You might have upgraded your fleet for newer commercial trucks and now need to get rid of the old ones. This post will walk you through the tax implications of selling used commercial trucks and equipment.

Ratings & Reviews

We are very proud of what our customers are saying on TrustPilot.


Trustpilot rates 5 out of 5

Based on 1,624 Reviews

Trustpilot rates 5 out of 5May 03

Extremely professional 5 star service

Extremely profesional 5 star service The executive Darren Aliff Super professional and very kind. Good job!!

Eduardo Torbay

Trustpilot rates 5 out of 5Apr 27

Awesome funding source

Awesome funding source. Prompt, courteous and very reasonable rate. We will be using your services again.

Anita Loyd

Trustpilot rates 5 out of 5Feb 21

Darren Aliff made our process very easy

Darren Aliff made our process very easy & smooth. We went over everything & the company gave us the best terms.

Yami Cabrera

Trustpilot rates 5 out of 5Jan 25

Absolutely the best service

Absolutely the best service. Ashley Witte was amazing and we see ourselves returning to use her services when we expand.

CoffeeLab Evanston