Commercial Trailer Financing for Trucking Companies, Fleets, and Owner-Operators
Need Commercial Trailer Financing? Get approved fast with TopMark Funding®, the #1 rated commercial trailer financing company for owner-operators, fleets, and construction businesses. We offer loans, leases, and equipment finance agreements for all major trailer types, including dry vans, flatbeds, lowboys, drop decks, reefers, and end dumps.
$700 MM +
Equipment Funded By TopMark Funding
100 +
Expert Team Members Ready to Help
11.5K +
Businesses Funded & Growing!
50 +
Funding Programs That Fit Your Needs
Fast Approvals, Competitive Rates, and No Hard Credit Checks
Trusted Commercial Trailer Financing Options for Owner-Operators and Fleets
When it comes to commercial trailer financing, TopMark Funding® helps owner-operators, fleets, and hauling companies get the trailers they need—fast. We specialize in loans, leases, and equipment finance agreements (EFAs) for all types of trailers, offering flexible terms, competitive rates, and no hard credit inquiries.
Whether you’re expanding your logistics fleet or upgrading older units, we finance dry vans, flatbeds, lowboys, drop decks, reefers (refrigerated trailers), end dumps, side dumps, tankers, enclosed trailers, and utility trailers. Our programs are structured around your cash flow, business size, and credit profile, helping you choose the right financing option for your hauling needs.
At TopMark Funding, we understand that no two operations are the same. That’s why we tailor each approval to fit your industry, equipment use, and growth goals—whether you’re hauling freight cross-country, moving heavy machinery, or running construction material loads locally. With fast approvals, nationwide coverage, and funding up to $250,000 (application only), we make commercial trailer financing simple, quick, and built for your success.
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 trailer financing made easy! We’ve created a quick and easy approval process and super-fast funding!
#1 rated commercial trailer financing company by drivers like you. Client satisfaction is our top priority! Your success is our success.
We have a great semi-trailer financing program for startups with great credit. No money down, flexible terms, and competitive rates
We specialize in trailer financing. It’s what we do! We can finance any make or model of commercial trailer.
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.
Types of Commercial Trailer Financing Options
Flexible Programs Built Around Your Business Needs
Choosing the right trailer financing program can make a big difference in your monthly payments, tax advantages, and overall profitability. At TopMark Funding®, we offer several financing solutions designed to fit your business goals — whether you’re an owner-operator, a fleet owner, or a construction company expanding your fleet.
Equipment Finance Agreement (EFA)
Own Your Trailer 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 semi-trailers 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 trailer is easier than ever — get pre-approved in minutes
Commercial Trailer Leases
Leasing Made Simple—Flexible, Affordable, and Hassle-Free
A trailer lease offers a lower upfront cost and often a lower monthly payment compared to a traditional loan. Leasing is ideal if you want to upgrade your trailer 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 trailer with confidence.
Commercial Trailer Loans
Own Your Trailer and Build Long-Term Equity with Every Payment
A trailer loan is the best option if you want to own your truck outright once your payments are complete. With fixed monthly payments and flexible terms, TopMark Funding makes it easy to finance a new or used trailer 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 trailer loan today and start building equity in your equipment.
Our Simple 4-Step Trailer Financing Process
We’ve streamlined trailer financing so you can get approved quickly and start earning revenue with your new truck.
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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 trailer 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 Truck and Submit Documents
Shop for up to 60 days at any dealership or private seller. When you find your trailer, 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 trailer 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 Trucking Professionals 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 trucking 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 Trailer Financing
When it comes to commercial trailer financing, every trucking company has unique needs — from hauling freight cross-country to moving heavy equipment locally. To help you make informed decisions, we’ve answered the most common questions about trailer loans, leases, and financing programs. Whether you’re an owner-operator, fleet owner, or startup trucking business, this section will guide you through what to expect, how to qualify, and how TopMark Funding® can help you secure the right trailer for your business.
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Can I lease a box truck through TopMark Funding?
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What credit score do I need to qualify for box truck leasing?
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Can I finance a used box truck?
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What are the typical lease or finance terms for box trucks?
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Do you offer lease options for startup trucking or delivery companies?
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How fast can I get approved for box truck leasing?
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What’s the difference between leasing and financing a box truck?
Glossary of Box Truck Leasing Terms
Understanding the terms used in box truck leasing and financing can help you make smarter, more confident decisions when acquiring your next vehicle. Whether you’re an owner-operator, delivery fleet manager, or trucking company, this glossary explains the most common terms you’ll encounter in the commercial truck leasing and financing industry. From Equipment Finance Agreements (EFAs) to TRAC and FMV leases, and everything in between, use this quick reference guide to navigate the leasing process and find the best program for your business needs.
App-Only Financing
A fast approval process based solely on the credit application—no financial statements or tax returns required.
Balloon Payment
A larger payment due at the end of a lease or financing term, often used to lower monthly payments during the contract.
Buyout Option
An agreement that allows the lessee to purchase the truck at the end of the lease term, often for fair market value or a set residual price.
Credit Approval
The process by which lenders or finance companies assess your creditworthiness to determine eligibility for a lease or loan.
Down Payment
The upfront amount paid toward the cost of the truck. Some programs offer zero-down options for qualified buyers.
EFA (Equipment Finance Agreement)
A financing contract where the borrower owns the truck after completing all payments, often used as an alternative to leasing.
FMV Lease (Fair Market Value Lease)
A lease option that allows you to return the truck, renew the lease, or buy it at its fair market value at the end of the term.
Gross Vehicle Weight Rating (GVWR)
The maximum total weight (truck + cargo + passengers) that a vehicle is designed to safely carry.
Lease Term
The length of time you agree to lease the truck, typically ranging from 24 to 72 months depending on your program.
Lessee
The person or business that leases the box truck and makes monthly payments to the financing company.
Lessor
The company or financial institution (such as TopMark Funding) that provides financing and holds ownership during the lease term.
Mileage Limit
The total miles allowed under the lease before additional charges or adjustments apply.
Operating Lease
A short-term lease where the lessee does not own the truck at the end of the term—commonly used for temporary or seasonal fleet needs.
Owner-Operator
An independent truck driver or small business owner who owns or operates their own commercial vehicle.
Residual Value
The estimated worth of a leased truck at the end of the lease term, used to calculate buyout amounts or payments.
Startup Program
A financing option designed for new businesses or first-time lessees with limited time in business.
TRAC Lease (Terminal Rental Adjustment Clause)
A commercial lease structure that allows mileage flexibility and potential tax advantages—popular with fleets and owner-operators.
Used Box Truck Financing
Programs designed to fund pre-owned trucks, often with flexible terms and mileage allowances.
Zero-Down Leasing
A lease or finance option that allows qualified applicants to obtain a truck with no money down.
Get the Box Truck Leasing 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.