Commercial Truck Loans & Leasing Solutions for Owner-Operators and Fleet Owners — No Hard Inquiries
Looking to finance a commercial truck or expand your fleet? TopMark Funding® offers flexible commercial truck loans and leasing programs built for owner-operators, small businesses, and fleet owners. Whether you’re purchasing a new or used semi-truck, box truck, or vocational vehicle, we help you get the funding you need — quickly and confidently.
$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 Business Needs
Fast Approvals, Competitive Rates, and Programs for Every Type of Truck
Flexible Commercial Truck Financing Programs Built Around Your Business
When it comes to new or used commercial truck financing, TopMark Funding® understands that every business is unique — from owner-operators buying their first truck to fleet owners expanding their operations. We provide flexible financing solutions for semi-trucks, dump trucks, and box trucks from all major manufacturers, including Freightliner, Kenworth, Peterbilt, Mack, Volvo, and International.
Whether you’re a trucking company, a construction contractor, or a delivery fleet, we make it easy to secure the right funding for your next truck purchase. With competitive rates, fast approvals, and no hard credit inquiries, our programs are built around your business goals — helping you improve cash flow, add more trucks to your fleet, and increase your revenue.
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 truck financing made easy! We’ve created a quick and easy approval process and super-fast funding!
#1 rated commercial truck financing company by drivers like you. Client satisfaction is our top priority! Your success is our success.
We have a great commercial truck financing program for startups with great credit. No money down, flexible terms, and great rates
We specialize in commercial truck financing. It’s what we do! We can finance any make or model of semi, dump truck, 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 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 Truck Financing Options
Flexible Programs Built Around Your Business Needs
Choosing the right commercial truck 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 Commercial 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 semi-truck 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 truck is easier than ever — get pre-approved in minutes
Commercial Truck Leases
Leasing Made Simple—Flexible, Affordable, and Hassle-Free
A commercial truck lease offers a lower upfront cost and often a lower monthly payment compared to a traditional truck loan. Leasing is ideal if you want to upgrade your truck 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 truck with confidence.
Commercial Truck Loans
Own Your Truck and Build Long-Term Equity with Every Payment
A commercial truck 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 new or used trucks 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 semi-truck loan today and start building equity in your equipment.
Our Simple 4-Step Commercial Truck Financing Process
We’ve streamlined truck 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 truck 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 truck, 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 semi-truck 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 Semi-Truck Financing
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How does commercial truck financing work?
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What credit score do I need for commercial truck financing?
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What credit score do I need for commercial truck financing?
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What is the difference between a semi-truck loan and a lease?
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What types of trucks can I finance?
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How long are typical commercial truck loan or lease terms?
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Can I get commercial truck financing with bad credit or as a startup?
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How fast can I get approved for commercial truck financing?
Glossary of Commercial Truck Financing Terms
Understanding the terms used in commercial truck financing can help you make smarter decisions when buying or leasing your next truck. Whether you’re an owner-operator, fleet owner, or trucking company, this glossary explains the most common terms you’ll encounter in the truck and equipment financing industry. From EFA agreements to TRAC leases and everything in between, here’s a quick reference guide to help you navigate the financing process with confidence.
App-Only Financing
A fast-approval program based solely on a credit application, without requiring financial statements or tax returns. Ideal for established businesses with solid credit.
Buyout Option
An agreement that lets the lessee purchase the truck at the end of a lease term for a set residual amount or fair market value.
Commercial Truck Loan
A financing agreement used to purchase or refinance a truck for business use, where the borrower owns the vehicle after completing all payments.
Down Payment
The initial amount paid upfront when financing a truck. Depending on credit and program, down payments may range from 0% to 20%.
EFA (Equipment Finance Agreement)
A contract similar to a loan, where the borrower makes fixed payments and owns the truck once all payments are completed. EFAs may offer tax advantages for business owners.
FMV Lease (Fair Market Value Lease)
A lease allowing the lessee to purchase the truck at its fair market value when the lease ends, or return it with no obligation.
Fleet Financing
Funding designed for companies purchasing multiple trucks under a single business profile. Offers consolidated billing, fleet discounts, and flexible structures.
Gross Vehicle Weight Rating (GVWR)
The maximum operating weight of a truck, including its chassis, body, fuel, cargo, and passengers.
Lease Buyout
The process of purchasing a leased truck before or at the end of the lease term, typically based on a pre-set residual value.
No Hard Credit Inquiry
A soft credit pull used for pre-qualification that does not impact the applicant’s personal or business credit score.
Owner-Operator
An independent driver who owns and operates one or more commercial trucks, typically hauling freight under their own authority.
Residual Value
The estimated worth of a leased truck at the end of the lease term, which determines the buyout price or monthly lease payments.
Startup Program
A financing option built for new businesses or first-time owner-operators with limited time in business. May require good credit or a qualified co-signer.
TRAC Lease (Terminal Rental Adjustment Clause)
A flexible commercial lease structure that provides mileage freedom and potential tax advantages. Popular for fleets and owner-operators.
Used Truck Financing
Programs for pre-owned commercial trucks, typically offering flexible terms and mileage allowances based on vehicle age and condition.
Zero-Down Financing
Financing that allows qualified buyers to obtain a truck with no down payment, helping conserve working capital and improve cash flow.
Get the Commercial Truck 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.