Truck Financing Made Easy — Fast Approvals for Semi, Dump & Box Trucks

Guaranteed No Hard Inquiries

Looking to Buy a Commercial Truck and Need Truck Financing? TopMark Funding® is the #1-Rated Commercial Truck Lender. We help small business owners like you grow your trucking company with fast approvals, flexible terms, and no hard credit inquiries. Get pre-approved today for a truck loan or lease and start driving more revenue.

✅ Competitive Interest Rates & Fast Funding

✅ No Money Down Programs Available

✅ Startups Welcome With Great Credit

✅ Get Approved for $250k Within 24 Hours – Application Only!

Get pre-approved today — no hard credit inquiry, no hassle, just fast funding for your next commercial truck.

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Fast Approvals, No Hard Inquiries, and Flexible Payment Options

Truck Loans and Leases Built for Semi-Trucks, Dump Trucks, Box Trucks, and More!

Are you looking to buy a new or used commercial truck and need truck financing that works for your business? Look no further — TopMark Funding® is the nation’s top-rated commercial truck lender. We offer competitive programs for semi-trucks, dump trucks, box trucks, and other commercial vehicles, helping you secure affordable monthly payments, flexible terms, and improved cash flow.

Whether you’re purchasing from a dealership or a private seller, our team makes the process fast and simple. From startups with great credit to established trucking companies expanding their fleet, we have big-truck financing programs designed to fit your goals.

Don’t wait — get pre-qualified today with no hard credit inquiries and no impact on your credit score. Fast approvals, flexible options, and trusted service — that’s the TopMark difference.

✔ Guaranteed No Hard Inquiries

Get pre-approved in minutes. Guaranteed no hard inquiries. 100% No negative impact on your personal or business credit.

✔ 60-Day Pre-Approval Guarantee

When you’re pre-approved by TopMark Funding, your pre-approval is good for 60-days. No additional credit checks.

✔ Quick & Easy + Fast Funding!

Truck financing made easy! We’ve created a quick and easy approval process and super fast funding!

✔ Excellent Customer Service

#1 rated truck financing company by drivers like you. Client satisfaction is our top priority! Your success is our success.

✔ Startups Welcome

We have a great truck financing program for startups with great credit. No money down, flexible terms, and competitive rates

✔ Any Make & Model

We specialize in commercial vehicle financing, It’s what we do! We can finance any make or model of semi, box, or dump truck.

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.

Great

TopMark Funding

Matthew T.

Nick Gilmore and Topmark are awesome to work with. Always a seamless and quick transaction to finance. Will continue to use them!

CJ O.

I was trying to get a 20k loan on a cheap old cascadia and I filled out a credit request. I got denied due to it having high mileage and thought that would be the end of it but I got connected with Brent Braunstein and he got me approved in a lot newer truck. Turnaround was 3 days. He worked to get me the best deal with the lowest out of pocket costs that were in my budget. He found me this 2021 kw t680 and I’ll be picking it up in a few days

Jose R.

I just bought a unit for my business, Dylan was a great help in this process. Everything was very clear and quick. I recommend them 100%.

ramzi A.

I just purchased my fourth truck with topmark, its the right place to grow your business. I want to thank specifically Dylan, he got me through the deal, swiftly and timely. He has a great personality and I looking forward to working with him in the future. 10/10 Dylan thank you my man.

MrFatman2334

Dylan was fantastic. Him and the entire team was fantastic I’m very appreciative of Dylan for helping me a communicating with me through the whole process. Everything worked itself out and it was perfect timing. Thank you and I appreciate you.

Thomas G.

Top notch company, fast funding for my start up. Real easy all was done online. Communication was great at every step. Will most definitely use them again for my next truck! Thank you TopMark for helping me out!

Ed A.

Dylan, he is one of my go loan guy from here on out. He was with me with every step of the funding process. So glad I found them and very happy doing business with them (TopMark), especially Dylan Schmidt. He is your go to loan guy if you need funding!

Jonathan G.

Friendly and worked with me I don’t have the best credit thanks

Leity Dorta M.

I had an outstanding experience working with Dylan Schmidt at TopMark Funding on securing a loan for the purchase of my commercial trailer. From start to finish, Dylan was knowledgeable, professional, and incredibly supportive throughout the entire process.

Thanks to Dylan’s expertise and dedication, I was able to get the financing I needed without any headaches. I truly appreciate his hard work and highly recommend him to anyone looking for financing assistance

Jim K.

TopMark made it happen while other finance companies were dragging their feet. Dylan did a great job communicating and working with me through the entire process of finding and financing my first truck.

Alex B.

Dylan has been extra helpful during this entire funding process. You can tell he is a kind person who really cares about his customers, as well. I'm glad Enterprise works with TopMark Funding so the purchase was as simple as possible.

Ani G.

I was happy since beginning with TopMark Funding and I'm happy as well because everything they did on time and always helped as I needed

Binding M.

TopMark Funding made the process of funding our first truck simple and stress-free. As a new company, we really appreciated the personal touch — they didn’t just approve us, they supported us every step of the way. They call to remind us when payments are coming up and always check in to make sure everything is okay. Anytime we had a question or concern, someone reached out immediately. Their service is smooth, professional, and genuinely caring. Highly recommended!

Aron B.

They made getting the funding for my semi and my trailer very pleasant. JK you rock, thanks for being patient through the process.

Steven M.

Working with Topmark representative Derreck Sargent was an amazing experience. I look forward to working with him in the future.

Darren D.

Easy and fast funding. Sent in the paperwork they needed and it was a smooth process. Thanks Freddy

Dee B.

Top mark moved fast once I found the truck that I wanted. My rep Brian is one of the best. Keep me updating the entire process and Made sure the deal got done. Definitely hit him up if you looking at going through TOP Mark Funding!!!!

Yaneiris B.

Thank you for MAKING IT HAPPEN!! BEN you are the best. You are pleasant and such a go getter.
Helped expedite the process smoothly
Thank you for all your help, Im super happy to have meet you and look forward to doing business with again soon 😊
If your looking for business or trucking business ask for Ben.

Good Source Trucking I.

TopMark Funding provided quick and easy trailer financing. I highly recommend them.

Christopher L.

Thomas was efficient and helpful! Made sure to follow up and get the job done.

Guillermo F.

Nick and his whole team were amazing. Made the process really easy and answered any questions I had. I highly recommend using TopMark Funding.

mark S.

Trevor was on top of everything. It was the smoothest purchase of a semi that I have ever bought

Brack R.

Nick and the whole team were great to work with.

Malana W.

Very professional! At the beginning I was very skeptical because of what I was doing. I’m just a poor boy from the south. Trevor kept me informed on everything,(most of the time I dreaded to hear from him ,but he was great) he can make things happen!!!!!!!! I have big dreams in the dump truck world and Trevor give me the opportunity to get something newer and more reliable!! He’s in California and I’m in Alabama and he made my dreams come true.
I would love to go have a beer or margaritas with this guy anytime!!
Thank you

Waldeir D.

very well attended, trevor McCoy very professional and very competent

Darrell D.

Real quick and fast with results!!!

Brandon B.

Worked with Top Mark for the purchase of one truck last November, overall pretty good experience. I would have liked a bit more detail of the financing aspect because it was a bit confusing at first, but honestly i would use them again if i ever needed anymore trucks. Definitely a company i would recommend to someone that wants to finance there 1st truck!

Rachel W.

Worked with Brian Perry for a few days to purchase a second moving truck and he was swift and responsive. However halfway through financing, the person who was helping me invest in this truck decided they would buy the truck outright and we would make payments to them instead to bypass interest etc. Brian was understanding in a what I am sure was an annoying situation and there was no problem getting the $1,500 initial documentation fee refunded to our account. If I ever found myself needing financing again I would use this company.

Jemdy S.

Dylan, always on point and ready to get the job done. Thank you very much!

Ryan N.

Be sure to ask for Mitch or Nick. They were amazing to work with. They made the process so easy, I never had to get out of my truck. 10/10 review for these guys and the company, I'll be back at Top Mark for my next purchase.

Apply Online in Minutes — No Hard Credit Inquiry

Our Truck Financing Process is Fast, Simple, and Transparent

Making smart choices with truck financing is essential for any business operating commercial vehicles — from semi-trucks and dump trucks to box trucks and other work trucks. Having reliable, up-to-date equipment helps you stay efficient, compliant, and profitable. At TopMark Funding®, we make the commercial truck financing process fast and easy, so you can get funded quickly and keep your business moving forward.

Our Simple 4-Step Truck Financing Process

1. Apply Online

Click the “Get Pre-Approved Today” button and fill out our short contact form. A truck financing specialist will reach out right away to discuss your needs. For immediate assistance, call us at (866) 627-6644.

2. Select a Solution

Your specialist will review your business goals, equipment type, and credit profile to match you with the best financing program — whether it’s for a semi-truck, dump truck, box truck, or other commercial vehicle.

3. Review & Sign Documents

Once we identify the right financing solution, your documents are generated and emailed for electronic signature — no printing or delays required.

4. Get Funded Fast

After your signed contract is returned, we’ll process and fund your transaction — most deals close within 1–3 days, so you can purchase your truck and get back to work fast.

Get Pre-Approved Today

Click below to start your commercial truck financing application.
Get pre-approved in minutes with no hard credit inquiries and no impact on your business or personal credit score — guaranteed.

Get Pre-Approved Today

Trusted by Trucking Professionals Nationwide

Real Reviews from Owner-Operators and Fleet Owners Just Like You

Get Pre-Approved Today

Commercial Truck Financing FAQs

How to Determine My Eligibility?
Before you go truck shopping it’s recommended to get pre-approved for financing first. At TopMark Funding we have a quick and easy pre-approval process. One of our finance specialists will ask you a few questions about your credit and business history.

We will then do a soft pull on your credit, not a hard inquiry. The majority of our competitors do a hard credit inquiry. That’s not good for your credit score.

The more hard inquiries you have the lower your score goes. Our pre-approval process is guaranteed not to harm your business or personal credit score.

Once we get your credit results back we’ll get you pre-approved with the amount you’re allowed to finance.

Factors That Determine Eligibility

Credit Score – 650 or Above for the Best Semi-Truck Financing Rates.

Time in Business with a CDL License – 3+ Years Preferred (But We Can Finance Start-ups Too!)

Down Payment Amount – How Much Can You Afford to Put Down on Your Semi-Truck.

Age of the Truck – Less than 10 years old

Truck Mileage – Less than 700k miles

Making smart choices with commercial vehicle financing is critical to any trucking company. Having up-to-date equipment to maximize efficiency and stay in compliance with the ever-changing 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 rig.

Get Pre-Approved: Click this link “Get Started Today” to get the process started. Fill out the contact form and one of our finance specialists will contact you ASAP! Or for immediate assistance give us a call at (866) 627-6644

>>Get a Quote Today
Truck Financing and Credit

When it comes to getting your new truck, credit can play a big role. When shopping for financing for a commercial truck, you need to keep your credit health in mind. A lot of drivers actually harm their credit by applying willy nilly to any and every company that promises they can get them the truck of their dreams.

What actually happens is a LOT of hard inquiries on your report. Remember, each hard inquiry can ding you about 10 points. If you even apply to 4 places, that’s enough to drop your score by a whole credit grade.

Dealers are another avenue you want to be wary of in regards to credit. When you “apply” or see if you can get financed for a truck you like at a dealership, what dealers often do is send your information around to any bank or company they think you can get approved at. Again, this leads to many unnecessary and damaging hard inquiries.

At TopMark Funding we do things differently! When you do a no-obligation quote with us, it is 100% guaranteed a soft credit check. We never do hard-credit injuries.

Learn More about Credit >> Guide to Understanding Credit

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What FICO Do I Need to Get Truck Financing?
BREAKDOWN OF FICO SCORE RANGES

300-579: A score in this range is considered Very Poor. Credit applicants with a score in this range will often be required to pay larger fees and deposits, or sometimes may not be approved for credit at all. 16% of people have a score in this range.

580-669: Scores between the 580 mark to the higher 600s are called Fair credit scores. Often, people with scores in this range will be referred to as subprime borrowers. A total of 17% of people have a credit score in this range.

670-739: This range is referred to as Good. Individuals with scores this high have a much lower rate of default. Statistically, about 8% of applicants with a Good range credit score will become seriously delinquent. Around 21% of people have a score in this range.

740-799: People with scores in the mid to top 700s are in the range of Very Good. Borrowers with scores in this range will receive better than average interest rates from banks and lenders. 25% of people have a score in this range.

800-850: The top of the scale is considered an Exceptional credit score. Individuals with a credit score above 800 receive the best rates from lenders. Around 21% of people have scores between 800-850.

Statistically speaking, most people’s credit scores fall between the range of 600 to 720.

Learn More about Credit >> Guide to Understanding Credit

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What Affects My Credit Score?
Here are a few factors that affect your credit score and may prevent you from getting approved for commercial truck financing.

Payment history – This shows if you’ve made your payments on time or at all.

Credit utilization rate – How much of your credit you are using on your credit cards.

Type, amount, and age of credit accounts – Lenders do want to see diversity on your credit report. Having a good mix of credit cards, a car loan, and maybe a mortgage on there helps your score.

Total Debt Owed – This is the amount you owe in loans and how much is on your cards.

Bankruptcies, Child Support Due, Public Records – Filing for bankruptcy or having a large amount of delinquent child support will hurt your score.

New Credit Accounts – Opening a lot of accounts in a short period of time can hurt your score. If you have gotten too many loans or credit cards in a 2-year period, it can ding you.

Hard Inquiries – The number of times a lender has requested your credit information will affect your score. These searches stay on your report for 2 years.

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What's Required to Buy a Commercial Vehicle
Here’s the fun part of the truck finance process. Shopping for your new rig! When shopping for your new 18 wheeler, dump, or box truck you need to keep in mind some requirements the lenders have.

We always recommend buying your new or used truck from a reputable commercial vehicle dealership. If you’re not sure which truck dealership in your area is reputable, give us a call and we’ll have some suggestions (866) 627-6644. We have a list of great dealers throughout the US.

Make, Model, Year (Less than 10+ years)

Mileage (Less than 700k)

The vehicle needs to be for your intended use.

Condition Report

Any past major repairs.

Preferably sold by a commercial dealership.

Serial Number of the vehicle.

Is the vehicle new or used

Minimum of 3 pictures

Lenders want to make sure the vehicle you’re trying to buy is a good investment for you and will last the duration of the financing term. Also, the vehicle is collateral for the financing. If something were to happen and you can no longer afford to pay the loan or lease, the lender will need to repossess the truck and recoup their capital.

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Types of Commercial Vehicles
What are the different types of commercial trucks and vehicles? This article will cover the most popular and common commercial vehicles on the road today in the USA.

SEMI-TRAILER TRUCK

A semi-trailer truck more commonly known as a semi-truck or simply “semi” is the combination of a tractor unit and one or more semi-trailers to carry freight. A semi-trailer attaches to the tractor with a fifth-wheel coupling (hitch), with much of its weight borne by the tractor. The result is that both the tractor and semi-trailer will have a design distinctly different from that of a rigid truck and trailer.

4 STYLES OF SEMI TRUCKS

Flat Roof Sleeper

Mid-roof Sleeper

Raised Roof Sleeper

Day Cab

BOX TRUCK

Box trucks are typically 10 to 26 feet in length and can range from Class 3 to Class 7 (12,500 lb. to 33,000 lb. gross vehicle weight rating). They often have a garage door-like rear door that rolls up. Box trucks are often used by companies transporting home appliances, and furniture, or used as moving trucks.

DUMP TRUCK

In the United States, most standard dump trucks have one front steering axle and one 4×2 4-wheeler or two 6×4 6-wheeler rear axles which typically have dual wheels on each side. Tandem rear axles are almost always powered, and front steering axles are also sometimes powered 4×4, or 6×6.

GARBAGE TRUCK

A garbage truck or trash truck refers to a truck specially designed to collect municipal solid waste and haul the collected waste to a solid waste treatment facility such as a landfill. Other common names for this type of vehicle include trash trucks in the United States.

7 STYLES OF GARBAGE TRUCKS

Front Loaders

Rear Loaders

Side Loaders

Manual Side Loaders

Automated Side Loaders

Manual/Automatic Side Loaders

Semi-automatic Side Loaders

FLATBED TRUCK

A flatbed has a solid bed, usually of wooden planks. There is no roof and no fixed sides. To retain the load there are often low sides that may be hinged down for loading, as a ‘drop-side’ truck. A ‘stake truck’ has no sides but has steel upright pillars, which may be removable, again used to retain the load.

BUCKET TRUCK

A bucket truck or also known as a boom truck is equipped with an extendable, hydraulic boom carrying a large bucket for raising workers to elevated, inaccessible areas.

Bucket trucks are used by utility companies, tree trimmers, construction workers, and other workers that need to reach high hard to get to areas.

GRAPPLE TRUCK

A grapple truck is a truck that has a grapple loader mounted to its frame which is used for loading and sometimes hauling bulky waste.

Grapple trucks are commonly used by municipal sanitation or public works departments, and by waste collection companies. Grapple trucks can also sometimes be used in road construction and repair.

There are six types of bulky waste collection systems in which grapple trucks are used: loader and body systems, rear steer systems, roll-off systems, rear-mounted loaders, haul truck systems, rear-mounted loaders, trailer systems, and transfer systems.

REFRIGERATOR TRUCK

A refrigerator truck is a vehicle designed to carry perishable freight at specific temperatures. Like refrigerator cars, refrigerated trucks differ from simple insulated and ventilated vans (commonly used for transporting fruit), neither of which are fitted with cooling apparatus.

HEAVY HAULER

A heavy hauler is a very large transporter for moving oversize loads too large for road travel without an escort and special permit.

A heavy hauler typically consists of a heavy tractor unit and a multi-axle lowboy flatbed trailer. Some trailers may have independently steerable wheels, and several might be towed by one or more tractor units on a train.

Self-propelled modular transporters, some featuring a dozen and more self-steering axles with scores of rubber tires to spread out a load, are increasingly being manufactured. The ability of combination and self-propelled heavy haulers to carry loads of 100 tons is not unusual.

TOW TRUCK

A tow truck also called a wrecker, a breakdown truck, or recovery vehicle is a truck used to move disabled, improperly parked, impounded, or otherwise indisposed motor vehicles. This may involve recovering a vehicle damaged in an accident, returning one to a drivable surface in a mishap or inclement weather, or towing or transporting one via flatbed to a repair shop or other location.

5 STYLES OF TOW TRUCKS

Boom

Wheel-lift

Integrated

Flatbed

Lift Flatbed

Learn More About The Different Types of Commercial Vehicles

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Popular Commercial Truck Brands
Commercial Truck Brands

Freightliner

Peterbilt

Kenworth

Volvo

International

Mack Trucks

Western Star

Learn more about Popular Truck Brands

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Commercial Truck Insurance
Before you get approved and financialize your financing, you’ll need to have commercial vehicle insurance. Lenders will make sure you have good insurance.

Just like anything else in life you get what you pay for. Your vehicle and business are valuable assets and you don’t want to be underinsured and liable for the potentially massive repair and legal bills.

Lenders Require You To Have The Following Coverages

Liability coverage

Physical damage coverage

Bobtail coverage for non-commercial use

Cargo and storage coverage that covers what you’re hauling

If you own a fleet of commercial vehicles and have employees driving for you, you’re going to need worker’s compensation. Contact your local business insurance agent for more details.

Lenders will not allow you to finalize the deal without the correct type of insurance. If you have any questions please feel free to contact your finance specialist. (866) 627-6644

Learn More About Commercial Insurance

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How Long Does it Take to Get Funded?

Once you’ve picked out your vehicle that meets all the requirements and you have the proper insurance in place, it’s time to finalize your funding. Contact your finance specialist to finalize your application.

Documents will be generated and then emailed for review and signature. An electronic signature is acceptable on most documents.

After the signed contract is returned, we’ll process your documents. Most transactions fund within 1 to 3 days. Fast turnaround to get you the vehicle you want up and running.

For More Questions Please Call (866) 627-6644

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