Semi-Truck Leasing Made Easy for Owner-Operators and Fleets
Need semi-truck leasing for your next rig? TopMark Funding® offers flexible semi-truck lease programs for owner-operators, small fleets, and trucking companies that want newer equipment without a massive upfront cost. Whether you’re looking for a sleeper or a day cab, we help you structure a semi-truck lease that fits your routes, cash flow, and growth goals — with no hard credit inquiries during pre-approval.
$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
Flexible Semi-Truck Leasing Programs Built Around Your Trucking Business
Leasing a semi-truck is a smart way to grow your trucking business without tying up all your cash in a single unit. At TopMark Funding®, we design semi-truck lease programs for owner-operators, small fleets, and established trucking companies that need reliable trucks on the road and predictable monthly payments.
We work with Freightliner, Kenworth, Peterbilt, Volvo, International, Mack, and Western Star units, including sleepers, day cabs, and tractor-trailers used for regional and long-haul freight. Whether you’re upgrading from an older truck, adding another 18-wheeler to your fleet, or stepping into your first big rig lease, we’ll help you structure terms that fit your miles, contracts, and cash flow.
With no hard credit inquiry during pre-approval and the ability to lease from any dealer or private seller nationwide, you stay in control — choosing the exact semi-truck you want while we handle the lease structure behind it.
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.
Semi-truck financing made easy! We’ve created a quick and easy approval process and super-fast funding!
#1 rated semi-truck financing company by drivers like you. Client satisfaction is our top priority! Your success is our success.
We have a great semi-truck leasing program for startups with great credit. No money down, flexible terms, and competitive rates
We specialize in 18-wheeler leasing and financing. It’s what we do! We can finance any make or model of big rig.
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.
Our Simple 4-Step Semi-Truck Leasing Process
We’ve streamlined trailer financing so you can get approved quickly and start earning revenue with your new truck.
-
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 semi-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
-
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
-
Step 3: Find Your Truck and Submit Documents
Shop for up to 60 days at any dealership or private seller. When you find your semi-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
-
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
-
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
-
Get Pre-Approved Today!
Start your semi lease 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 Leasing
Leasing a semi-truck can feel complicated, especially with all the different lease structures, credit requirements, and end-of-term options available. To help you make informed decisions, we’ve answered the most common questions trucking companies ask when exploring semi-truck leasing, lease-to-own programs, FMV leases, and TRAC leases.
Whether you’re an owner-operator, a small fleet expanding your lineup, or a trucking company upgrading to newer equipment, this FAQ section will guide you through how semi-truck leasing works, how to qualify, what to expect, and how to choose the best lease program for your business.
-
What are the key types of semi-truck leases and how do they differ?
-
What credit score or business history is needed for a semi-truck lease?
-
What are typical costs or monthly payments for leasing a semi-truck?
-
Can you lease a semi-truck if you’re a startup or owner-operator rather than a large fleet?
-
Is leasing a semi-truck better than buying one?
-
What should I look for when reviewing the lease agreement for a semi-truck?
Semi-Truck Leasing Glossary
Understanding the terminology used in semi-truck leasing can help you make better decisions when selecting the right lease program for your business. Whether you’re an owner-operator, a small fleet, or a rapidly growing trucking company, this glossary breaks down the most common terms you’ll encounter when comparing lease options such as FMV leases, TRAC leases, lease-to-own programs, and EFA-style leases. Use this quick reference guide to navigate the leasing process with confidence and choose the structure that best supports your cash flow and long-haul goals.
App-Only Lease
A semi-truck lease is approved based solely on your application, without tax returns or financial statements.
Buyout Option
The set amount you can pay to purchase the truck at the end of the lease term.
Closed-End Lease
A lease where you return the semi-truck at the end of the term with no obligation to buy.
Down Payment
The upfront amount required to start a lease depends on credit profile and lease structure.
EFA-Style Lease
A lease structured like an Equipment Finance Agreement, where you own the truck after the final payment.
End-of-Term Options
Your choices at the end of a lease such as returning the truck, renewing the lease, or buying it.
FMV Lease (Fair Market Value Lease)
A lease where you can return the semi-truck or purchase it at fair market value at term end.
Lease Term
The length of the semi-truck lease, typically 24 to 60 months.
Lease-to-Own
A semi-truck lease option that allows you to own the truck after the final payment.
Mileage Allowance
The mileage or usage limits are set within a commercial truck lease agreement.
No Hard Credit Inquiry
A soft credit check for pre-approval that does not affect your credit score.
Residual Value
The estimated value of the semi-truck at the end of the lease term, used to calculate payments and buyout price.
Sleeper Lease
A leasing program specifically for sleeper trucks used in long-haul operations.
TRAC Lease (Terminal Rental Adjustment Clause)
A flexible commercial truck lease offering mileage freedom and potential tax advantages.
Used Semi-Truck Lease
Lease programs for pre-owned trucks, with terms based on mileage, age, and condition.
Zero-Down Lease
A lease program allowing qualified operators to start a lease with no money down.
Get the Semi-Truck Lease 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.