Frequently Asked Questions About Commercial Truck & Equipment Financing

Need Financing for a Truck, Trailer, or Commercial Vehicle? TopMark Funding® helps trucking and construction businesses get approved fast with flexible financing options. We work with owner-operators, contractors, and fleets nationwide — with no hard credit inquiries.

Commercial Vehicle FAQ

You Have Questions – We Have Answers

At TopMark Funding, we pride ourselves on being a long-term financial partner for our clients. We work to understand the current and future needs of your business because we care about ensuring your long-term growth and stability. Having a financial partner that you can rely on to handle the important tasks of advising, planning, and structuring your business financing is a valuable resource. Apply Today and let us show you the value of working with a financial partner that cares about the success of your business.

How Long Can I Finance a Semi Truck?

There are many factors to determine when it comes to the length of time you should or can finance a semi-truck. We have programs that are from 12 to 72 months. For more information to see what is the best term for you, please call one of our finance specialists can help with finding the best deal for you. (866) 627-6644
How Can I Finance a Semi Truck With Bad Credit?

Whether you have good credit or bad credit, TopMark Funding® has a truck financing program that will fit your needs and budget with a 650 or greater credit score. Apply today for a no-obligation quote. No hard inquiries or negative impact on your credit score. Feel free to call and we can get the process started for you and answer any more questions you may have. (866) 627-6644
What Will the Interest Rate Be?

Rates vary due to many factors, including, but not limited to: your business’s strengths, your credit profile, industry, equipment type, funding type, current market trends, etc. Rates can also fluctuate depending on market conditions. Our extensive network of funding partners allows TopMark Funding the ability to provide the most competitive terms, rates, and payments available in the marketplace today, for many industries. Rates start at around 4.9% to 6.9%, assuming very strong credit and a very qualified borrower.

We also provide very transparent equipment financing with a fixed monthly payment and working capital with a fixed payback amount, where the total finance charges are known upfront. With this method of financing, you can easily determine the rate of return from the equipment finance or working capital product.
How Much Is It To Lease a Semi Truck?
How Long Does the Funding Process Take?

Typically most transactions are completed within 24 hours of receiving the signed documents. Our business hours are Monday through Friday 7:30 am PST to 4:00 pm PST (10:30 am EST to 7:00 pm EST). Please submit your signed documents during these times and days to receive a faster turn around. The sooner you get the doc’s in the sooner you get funded!
How Do you Finance a Semi Truck?

It\’s easy when you deal with TopMark Funding®. We specialize in semi-truck financing. We have many truck financing programs for great credit, bad credit, semi-truck loans, semi truck lease, you name it we got it. Apply today for a free no-obligation quote. No hard inquires or negative impact on your credit score. Or give us a call and a semi-truck finance specialist will be glad to help. (866) 627-6644
What Types of Unsecured Business Loans do you Offer?
Does TopMark Funding Sell Semi Trucks or Commercial Vehicles?

Unfortunately not. We’re only the finance company for semi-trucks, commercial vehicles, heavy equipment, business loans, and a whole lot more. If you’re in the market for a new or used semi-truck or heavy equipment we can help get you the best rate, term, and monthly payment that will fit your budget.
What are the Repayment Frequency Options?
What Should I Expect the Process to Be Like?
We have a simple 4 step process:

Step 1: Get a no-risk, no-obligation quote by applying online.

Step 2: Work with your assigned Business Funding Advisor to select a solution that meets your business’s objective best.

Step 3: Review and sign contract documents. In most cases, contract documents can be reviewed and signed electronically.

Step 4: Fund your transaction. You will be assigned a Funding Coordinator that will work with you to fund your transaction efficiently. Most transactions are completed within 24 hours of signed documents being received.
Will This Be an Equipment Purchase or Lease?
Do I have to Purchase New or Used Equipment?
I Have Bad Credit, Can You Help Me Too?

Yes! Our experienced Business Funding Advisers and internal underwriters take time to understand, not only your credit profile, but your industry experience, time in business, your business’s strategic advantages, and other factors that have a direct impact on your business’s success.
What Are the Upfront Costs?
I Have Great Credit, Can you Offer Competitive Finance to my Business?

Absolutely! We work with a very extensive network of funding partners that are leaders in both the equipment finance sectors and working capital and business loan sectors. Our team’s 50+ year knowledge-base of business funding allows for us to offer the most cutting edge and the most competitive finance and lease solutions available.
Is TopMark Funding a Direct Lender?
Being TopMark Funding® is not a Direct Lender, Isn’t this a Disadvantage to my Business?

Not at all. We have solutions that are not offered, at all, to businesses directly and other solutions where there may be no difference in costs if you were to go to the lender, directly. Furthermore, we are able to provide free Funding Advisory to you, whether you choose to move forward with TopMark Funding® or not.
What is your Maximum Funding Amount?
What Makes TopMark Funding Different than Other 3rd Party Originators in the Marketplace?

First, we want to help businesses grow by providing excellent finance and leasing solutions. If we can not accomplish this, we do not want to move forward with a financial transaction.

We are great at what we do and we have the most competitive solutions available in the marketplace today. Our programs are constantly getting updated to meet the ever-changing needs of U.S. small and medium-sized businesses.

Exhibiting integrity throughout our entire advisory and sales process is important to us. Transparency and honesty are also very vital to us, as we know they are vital to you and are fundamental to building solid, long-term relationships.

Long-term relationships are valued more so over short-term objectives. We provide free funding advisory services even when we know we may not be a fit for every customer.

Need Truck Financing? We Can Help! #1 Rated Truck Financing Solutions

At TopMark Funding we offer several truck financing programs that will fit your budget and help add profit to your bottom line. The commercial trucking business has unique financing requirements when it comes to loans or leasing trucks, we get it! We have 20 plus years of truck leasing experience. We live and breathe commercial truck financing.

Deciding whether to get a truck lease, traditional dump truck loan. Having a partner like TopMark Funding that understands the commercial trucking industry and all that comes with titling, registration, insurance, warranties, etc… is crucial to your success and growth in the commercial trucking industry.

We have a proven track record of helping owner-operators, fleet owners, and trucking companies grow by offering great funding solutions. We utilize our vast expertise in the commercial truck financing industry to get you the monthly payments you can afford. Getting you on the road, increasing cash flow, and adding more profit to the bottom line.

Apply today for a free no-obligation truck lease quote. Our application process is straightforward, fast, and easy. Don’t worry we do a soft inquiry on your credit. No hard inquiries and no negative impact on your personal or business credit score.

Get a Free no-obligation quote. Get pre-approved in minutes.

Get Started Today

Trusted By Business Owners Like You

Real Customers. Real Growth. Real Reviews.

At TopMark Funding your satisfaction is our top priority. With decades of commercial trucking experience, we know how important it is to deliver a great customer experience. Check out our reviews from our amazing customers.

Excellent

TopMark Funding4.3

MillzDoeknutllc T.

1 week ago

Very smooth experience!!!!! Highly recommend

Ryan R.

3 weeks ago

Great overall experience and Patrick you the best!!!

Jouseph R.

4 weeks ago

A big thank you to Dylan Schmidt at TopMark Funding for helping us finance our new truck for STR8 UP TOWING! We appreciate his guidance and support throughout the financing process and his help making this next step for our business possible. Highly recommend reaching out to Dylan if you’re looking for truck financing!

Raymond L.

4 weeks ago

"Top Mark Funding" has helped me with making one of my dreams, come true. A HUGE thank you to Trevor for guiding me and teaching me "The Ropes" of making all this happen. Just two weeks ago I was a company driver, today, thanks to the help of Trevor I am an owner-operator. Thank you, Mr. Trevor for your kindness and professionalism. I will definitely recommend you and your company if somebody wants to take a loan out...😊😊

Joe B.

1 month ago

Dylan was great to work with from start to finish I would definitely recommend TopMark Funding

HR T.

1 month ago

I want to give Huge thanks to my man Thomas Battistella for helping me get commercial financing for Henrock Trucking . He was patient, Understanding , and genuinely had my back the whole way. Wouldn’t have gotten it done without you thanks again ! If you’re in the trucking world and need funding, reach out to Thomas — you won’t regret it.

Stephen C.

2 months ago

Helped me get my first dumptruck!

Roger R.

2 months ago

Derek was very knowledgeable, straightforward and transparent. I would absolutely recommend to others.

Bert W.

2 months ago

Thomas Bartistella was amazing to work with! He worked with me every step of the way throughout the financing process while i find a truck that suited my needs.He made the entire experience stress-free and easy. I definitely will be doing business with top Mark again. I highly recommend Thomas and the team.

ZEMM U.

2 months ago

It was easy to work with TopMark, thanks for it guys!

tom R.

2 months ago

I just want to say Thomas at Topmark funding is very professional and excellent at his job. Their is no confusion with him. You will know exactly what to expect because he will tell you. If anyone is looking to get funding for a commercial vehicle then he's your guy. Very nice guy which make life so much easier.

Chandler T.

2 months ago

Tom was very polite and helpful throughout the whole process.

Brittany and Jacob P.

2 months ago

Thomas has been very available and helpful throughout the entire process. It’s not a corporate situation where you have to call and be put on hold and dial an extension and all that stuff. You call and he answers personally, and if he doesn’t he calls back in a very timely manner.

Jeiron V.

3 months ago

Great service….nick was awesome!!!!

K. F.

3 months ago

Great , understanding and on time delivery when financing a truck. Being it a tractor or box truck they will work with you.

dallas H.

3 months ago

Thomas was a pleasure to work with very professional extremely helpful would be an honor to work with again

STEVE M.

3 months ago

I would like to start by saying, financing equipment can be very stressful but thanks to Trevor for keeping me calm and walking me through all the steps made my purchasing experience in the end pretty easy, Trevor is very knowledgeable and very professional and I would highly recommend him to anyone needing to finance commercial equipment, thanks again.

CEDRIC W.

3 months ago

Dylan works with the utmost integrity. You can count on him to keep your best interest in mind. Dylan has great customer service skills. He puts the customer first. He takes his time to explain the process so the customer understands how the process works. He communicates with you throughout the process keeping you informed of every step and decision. He finds the best products for any loan you are looking for from first time buyers or looking to scale your business. Dylan and Top Mark Funding is the only way to go if you are looking for funding.

Tim C.

3 months ago

Top mark is amazing I worked with Brian he goes above and beyond for you whatever you need he’ll do it, extremely knowledgeable he and his team!

Asher C.

3 months ago

Amazing Company My Guy Lance didn’t just get me Finance for one piece of equipment he got me financed on two pieces back to back amazing guy, amazed company! quick and easy no messing around

Eddie M.

3 months ago

Dylan Schmidt was awesome to work with! He answered all our questions and guided us every step of the way. Big thanks to Topmark for a great experience.

Keith C.

3 months ago

Thomas is very thorough, accessible and responsive! He made it a seamless experience!

Rios Logistics L.

4 months ago

I’ve financed two truck purchases through TopMark Funding, and both experiences have been exceptional. Their team was incredibly efficient, professional, and communicative throughout the entire process, making each transaction smooth and stress-free. A special thank you to Nick Gilmore, who was outstanding to work with. Nick kept me informed every step of the way, was always quick to answer my questions, and made sure everything stayed on track from start to finish. His responsiveness, knowledge, and commitment to great customer service really stood out. I highly recommend TopMark Funding to anyone looking for a financing partner they can trust. I truly appreciate everything Nick and the team have done, and I look forward to working with them again in the future.

Phillip S.

4 months ago

Cindy Kunstel was absolutely amazing throughout the financing process for my trailer. She was professional, knowledgeable, and made everything simple from start to finish. She took the time to answer all of my questions, kept me updated every step of the way, and worked hard to get my financing approved quickly. I truly appreciate her excellent customer service and dedication. If you’re looking for someone who genuinely cares about helping you and making the financing process smooth and stress-free, I highly recommend Cindy Kunstel. Thank you for all your help!

Kristi G.

4 months ago

Tom Beccaris! What can I say...He has been absolutely amazing during this whole process. As a small business owner, we were put in an impossible situation having to replace an asset that we originally owned outright. Tom made the application process for our loan super easy and communicated with me the whole way. I had looked into a couple other places and everything was so complicated that I felt lost and more confused than when I had started. I would absolutely work with Tom again and plan to in the future. He took responsibility for our account, making sure I understood everything. I truly appreciate not being passed off to others to complete tasks. He definitely made it a one on one experience and I felt heard. Thank you Tom & TopMark!

Our Process is Quick & Easy! Get Pre-Approved Today

Making smart choices with semi-truck financing is critical to any trucking company working in logistics. Having up-to-date equipment to maximize efficiency and stay in compliance with regulations is important to a company’s growth and sustainability. We’ve made the funding process quick and easy so you can get funded fast and on the road with your new truck.

Apply Online: Click the “Get Pre-Approved Today” button. Fill out the contact form and one of our truck funding specialists will call you ASAP! Or for immediate assistance give us a call at (866) 627-6644
Select a Solution: A truck funding specialist will contact you to go over your funding and business needs. We want to understand your needs to better help us find the best solution that meets your objectives.
Review Documents: Once we have determined the best truck finance solution for you and your business, documents are generated and then emailed for review and signature. An electronic signature is acceptable on most documents.
Get Funded: After the signed contract is returned, we’ll process your documents. Most transactions fund within 1 to 3 days. Fast turn around to get you the truck you want up and running.

Get Pre-Approved – Click the Get Pre-Approve Button Below to get started today. Get pre-approved in minutes. We do a soft credit pull, NO hard inquiries (unlike our competitors), and are guaranteed not to hurt your business or personal credit score.

Get Pre-Approved Today

What We Finance Grow Your Fleet & Increase Your Revenue

Frequently Asked Questions About Commercial Truck & Equipment Financing

Commercial Vehicle FAQ

You Have Questions – We Have Answers

Need Truck Financing? We Can Help! #1 Rated Truck Financing Solutions

Get a Free no-obligation quote. Get pre-approved in minutes.

Trusted By Business Owners Like You

Real Customers. Real Growth. Real Reviews.

Our Process is Quick & Easy! Get Pre-Approved Today

What We Finance Grow Your Fleet & Increase Your Revenue

Semi-Trucks & Trailers

Commercial Truck & Vehicles

Construction Equipment

Waste & Refuse Equipment