Box Truck Financing & Leasing Made Easy for Delivery Fleets and Small Businesses
Need box truck financing or a box truck lease for your business? Get approved fast with TopMark Funding®, the #1 rated box truck financing partner for delivery companies, contractors, last-mile fleets, and owner-operators. Get pre-approved in minutes with no hard credit inquiries and zero impact on your credit score.
$700 MM +
Equipment Funded By TopMark Funding
100 +
Expert Team Members Ready to Help
11.5K +
Businesses Funded & Growing!
50 +
Funding Programs to Meet Your Needs
Fast Approvals, Competitive Rates, and Programs for All Commercial Vehicle Types
Box Truck Financing Programs for Delivery, Logistics & Service Businesses
Getting the right box truck financing can make all the difference for delivery fleets, small businesses, and owner-operators looking to expand or upgrade their vehicles. At TopMark Funding®, we offer flexible programs for box truck loans, box truck leasing, and lease-to-own options, giving you the freedom to choose the structure that fits your cash flow and business goals. Whether you’re adding a new truck to your last-mile delivery fleet, replacing an older unit for your moving company, or securing a dependable work truck for your contracting business, we make the process fast and straightforward.
We finance new and used box trucks from any dealer or private seller nationwide, including liftgate box trucks, reefer box trucks, cutaway vans, and medium-duty commercial trucks from top brands like Freightliner, Isuzu, Ford, GMC, Hino, and Chevrolet. With no hard credit inquiries, competitive terms, and approvals up to $250k on an application-only basis, it’s never been easier to secure reliable box truck financing or get the right box truck lease for your business.
Get pre-approved in minutes and keep your business moving forward with a newer, more reliable box truck that supports your daily operations and long-term growth.
Get pre-approved in minutes. Guaranteed no hard inquiries. 100% no negative impact on your personal or business credit.
When you’re pre-approved by TopMark Funding, your pre-approval is good for 60 days. No additional credit checks.
Commercial vehicle financing made easy! We’ve created a quick and easy approval process and super-fast funding!
#1 rated box truck financing company by drivers like you. Client satisfaction is our top priority! Your success is our success.
We have a great box truck financing program for startups with great credit. No money down, flexible terms, and great rates
We specialize in box truck financing. It’s what we do! We can finance any make or model of Sprinter, cargo van, box truck, and more.
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 vehicle experience, we know how important it is to deliver a great customer experience. Check out our reviews from our amazing customers.
Types of Box Truck Financing Options
Flexible Programs Built Around Your Business Needs
Choosing the right box truck financing program can have a major impact on your monthly payments, cash flow, and long-term profitability. At TopMark Funding®, we offer flexible box truck loans, leasing options, and lease-to-own programs tailored to your business goals — whether you’re an owner-operator, a growing delivery fleet, a last-mile carrier, or a small business adding its first box truck.
Equipment Finance Agreement (EFA)
Own Your Box Truck with Fixed Payments and Full Control
An Equipment Finance Agreement (EFA) combines the ownership benefits of a loan with the flexibility of a lease. You make fixed payments and own the vehicle after the final payment — no large buyout required.
EFAs are popular among owner-operators and fleet owners who want predictable costs, simple terms, and the ability to claim interest and depreciation deductions for their business. With fast approvals and no hard credit inquiries, TopMark Funding makes EFAs a smart, simple choice for long-term ownership.
With TopMark Funding, owning your vehicle is easier than ever — get pre-approved in minutes
Box Truck Leases
Leasing Made Simple—Flexible, Affordable, and Hassle-Free
A box truck lease offers a lower upfront cost and often a lower monthly payment compared to a traditional vehicle loan. Leasing is ideal if you want to upgrade your vehicle every few years or keep newer equipment in your fleet without the long-term ownership costs.
TopMark Funding offers multiple lease structures, including FMV leases and TRAC leases, giving you flexibility, mileage options, and potential tax benefits while preserving cash flow.
Keep your business rolling with flexible lease terms, low upfront costs, and fast approvals — get pre-approved today and upgrade your vehicle with confidence.
Box Truck Loans
Own Your Box Truck and Build Long-Term Equity with Every Payment
A box truck loan is the best option if you want to own your vehicle outright once your payments are complete. With fixed monthly payments and flexible terms, TopMark Funding makes it easy to finance a new or used box truck through dealerships or private sellers.
You’ll build equity over time and may qualify for tax deductions on depreciation and interest. Our team helps you find competitive rates and quick approvals — so you can get on the road and start earning faster.
Take the wheel of your business success — get pre-approved for a vehicle loan today and start building equity in your equipment.
Our Simple 4-Step Box Truck Financing Process
We’ve streamlined vehicle financing so you can get approved quickly and start earning revenue with your new vehicle.
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Step 1: Get Pre-Approved
Complete our quick and easy online application or call (866) 627-6644. We’ll ask about your business, credit situation, and the vehicle you need. We use only a soft credit inquiry that has zero impact on your credit score – guaranteed.
⏱ Application 2-5 minutes | 💳 Zero credit impact | 📱 Online or phone
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Step 2: Speak With Your Account Executive
A dedicated financing specialist reviews your application and contacts you within a few hours or less. They’ll discuss your financing options (EFA, lease, loan), provide rate ranges, and answer questions. Your pre-approval is valid for up to 60 days with no additional credit checks.
⏱ Fast response time | ✓ 60-day pre-approval | 👤 Dedicated support
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Step 3: Find Your Vehicle and Submit Documents
Shop for up to 60 days at any dealership or private seller. When you find your vehicle, submit the required documents (we may not need all of these depending on the program you qualify for): tax returns, bank statements, driver’s license, insurance, etc… Your account executive will guide you through exactly what’s needed.
🤏 Minimal documents | 🚛 Any dealer/seller | 📤 Electronic submission
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Step 4: Sign and Get Funded
Review your financing contract with all terms clearly disclosed. Sign electronically, and we’ll fund your equipment as soon as possible! We coordinate payment directly with your dealer or seller so you can hit the road fast.
⏱ Fast funding | 📝 E-signature accepted | 🎯 Quick & easy process
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Why Choose TopMark Funding?
✅ Soft credit inquiry only (no impact to credit score)
✅ 60-day pre-approval window (not 30 days like competitors)
✅ Finance from any dealer or private seller nationwide
✅ Pre-approval up to $250k for qualified applicants
✅ Dedicated specialist (not a call center)
✅ Fast funding after signed documents
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Get Pre-Approved Today!
Start your commercial vehicle financing with zero credit impact. Know what you qualify for before you shop.
Get Pre-Approved Now or Call: (866) 627-6644
Pre-approval valid for up to 60 days | Application takes 5 minutes or less | No hard inquiries guaranteed
Trusted by Business Owners Nationwide
Real Reviews from Owner-Operators and Fleet Owners Just Like You
At TopMark Funding your satisfaction is our top priority. With decades of commercial vehicle experience, we know how important it is to deliver a great customer experience. Check out our reviews from our amazing customers.
Frequently Asked Questions About Commercial Vehicle Financing
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How does box truck financing work?
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What credit score do I need to finance a box truck?
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Can I lease a box truck instead of getting a loan?
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Can I finance or lease a used box truck?
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How fast can I get approved for box truck financing?
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Do you work with new businesses or startups?
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Can I finance a box truck from a private seller?
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What types of box trucks can I finance or lease?
Glossary of Box Truck Financing Terms
Understanding the terms used in commercial vehicle financing helps you make smarter, more confident decisions when purchasing or leasing your next vehicle. Whether you manage a delivery fleet, logistics company, or service business, this glossary defines the most common terms in the truck, van, and equipment financing industry. From Equipment Finance Agreements (EFAs) to TRAC and FMV leases, this quick reference guide will help you navigate the financing process with confidence and choose the best option for your business.
App-Only Financing
Approval based solely on your credit application, with no tax returns or financials required.
Box Truck Lease
A contract allowing you to use a box truck for a fixed term with monthly payments and end-of-term options.
Box Truck Loan
A financing agreement where you own the box truck after completing all payments.
Buyout Option
The amount you can pay to purchase the truck at the end of the lease term.
Cutaway Van
A box truck built on a van chassis, often used by delivery and service businesses.
Down Payment
The upfront amount required to start a loan or lease, dependent on credit and program.
EFA (Equipment Finance Agreement)
A contract where you make monthly payments and own the box truck at the end of the term.
FMV Lease (Fair Market Value Lease)
A lease allowing you to return the truck or buy it at fair market value at the end of the term.
Lease Term
The length of the lease agreement, typically 24 to 60 months for box trucks.
Lease-to-Own
A box truck leasing structure that lets you take ownership after the final payment.
Liftgate Box Truck
A box truck equipped with a hydraulic lift, commonly used for freight and delivery operations.
Mileage Allowance
The usage limits set within a lease agreement, tailored for commercial box truck use.
No Hard Credit Inquiry
A soft credit check used for pre-approval without impacting your credit score.
Residual Value
The estimated value of the truck at the end of the lease term, used to calculate buyout options.
Straight Truck
A commercial truck where the cab and cargo box are on the same chassis; commonly referred to as a box truck.
TRAC Lease (Terminal Rental Adjustment Clause)
A commercial lease structure offering flexible mileage and potential tax benefits.
Used Box Truck Financing
Loan or lease programs are designed for pre-owned box trucks based on age, mileage, and condition.
Zero-Down Financing
A program allowing qualified buyers to secure a loan or lease with no money down.
Get the Commercial Vehicle Financing You Need – Fast, Simple, and Hassle-Free
At TopMark Funding®, we make it easy for owner-operators, fleets, and trucking companies to get the financing they need to grow. Fast approvals, flexible programs, and no hard credit inquiries — because getting your next truck shouldn’t slow you down.