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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 to Meet 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.

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 and Easy + Fast Funding!

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

Excellent Customer Service

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

Startups Welcome

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

Any Make and Model

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.

gmblogo
Excellent
TopMark Funding4.3
Thomas has been very available and helpful throughout the entire process. It’s not a corporate situation where you have to call and be put on hold and dial an extension and all that stuff. You call and he answers personally, and if he doesn’t he calls back in a very timely manner.
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Jeiron V.
4 days ago
Great service….nick was awesome!!!!
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K. F.
5 days ago
Great , understanding and on time delivery when financing a truck. Being it a tractor or box truck they will work with you.
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dallas H.
2 weeks ago
Thomas was a pleasure to work with very professional extremely helpful would be an honor to work with again
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STEVE M.
3 weeks ago
I would like to start by saying, financing equipment can be very stressful but thanks to Trevor for keeping me calm and walking me through all the steps made my purchasing experience in the end pretty easy, Trevor is very knowledgeable and very professional and I would highly recommend him to anyone needing to finance commercial equipment, thanks again.
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CEDRIC W.
3 weeks ago
Dylan works with the utmost integrity. You can count on him to keep your best interest in mind. Dylan has great customer service skills. He puts the customer first. He takes his time to explain the process so the customer understands how the process works. He communicates with you throughout the process keeping you informed of every step and decision. He finds the best products for any loan you are looking for from first time buyers or looking to scale your business. Dylan and Top Mark Funding is the only way to go if you are looking for funding.
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Tim C.
3 weeks ago
Top mark is amazing I worked with Brian he goes above and beyond for you whatever you need he’ll do it, extremely knowledgeable he and his team!
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Asher C.
3 weeks ago
Amazing Company My Guy Lance didn’t just get me Finance for one piece of equipment he got me financed on two pieces back to back amazing guy, amazed company! quick and easy no messing around
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Eddie M.
3 weeks ago
Dylan Schmidt was awesome to work with! He answered all our questions and guided us every step of the way. Big thanks to Topmark for a great experience.
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Keith C.
3 weeks ago
Thomas is very thorough, accessible and responsive! He made it a seamless experience!
I’ve financed two truck purchases through TopMark Funding, and both experiences have been exceptional. Their team was incredibly efficient, professional, and communicative throughout the entire process, making each transaction smooth and stress-free. A special thank you to Nick Gilmore, who was outstanding to work with. Nick kept me informed every step of the way, was always quick to answer my questions, and made sure everything stayed on track from start to finish. His responsiveness, knowledge, and commitment to great customer service really stood out. I highly recommend TopMark Funding to anyone looking for a financing partner they can trust. I truly appreciate everything Nick and the team have done, and I look forward to working with them again in the future.
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Phillip S.
1 month ago
Cindy Kunstel was absolutely amazing throughout the financing process for my trailer. She was professional, knowledgeable, and made everything simple from start to finish. She took the time to answer all of my questions, kept me updated every step of the way, and worked hard to get my financing approved quickly. I truly appreciate her excellent customer service and dedication. If you’re looking for someone who genuinely cares about helping you and making the financing process smooth and stress-free, I highly recommend Cindy Kunstel. Thank you for all your help!
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Kristi G.
2 months ago
Tom Beccaris! What can I say...He has been absolutely amazing during this whole process. As a small business owner, we were put in an impossible situation having to replace an asset that we originally owned outright. Tom made the application process for our loan super easy and communicated with me the whole way. I had looked into a couple other places and everything was so complicated that I felt lost and more confused than when I had started. I would absolutely work with Tom again and plan to in the future. He took responsibility for our account, making sure I understood everything. I truly appreciate not being passed off to others to complete tasks. He definitely made it a one on one experience and I felt heard. Thank you Tom & TopMark!
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corey T.
2 months ago
Dylan Schmidt was amazing! Very hands on throughout the entire process. Very knowledgeable and responsive to all questions. Overall amazing experience! Looking forward to doing business with him again in the future!
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Ash Z.
2 months ago
Thomas Battistella at TopMark was an enormous help in walking me through everything I needed to get my first box truck. He was professional and patient throughout the process, always answering my calls and questions as they came. If, further down the line, I'm looking to finance another truck, I will absolutely be reaching out to Thomas again.
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Ivan N.
3 months ago
TopMark was excellent ! Emma Parker was very professional ,helpful ,and always answered my calls! She is definitely a high value associate .I will be contacting them again for my next purchase (financing) on another dumbstruck !
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Kemari
3 months ago
I have a truck and trailer financed with Topmark, usually financing is not particularly something you’d feel the need to leave a review on but from the get go Grant over there has been great from start to finish both truck and trailer. I’m not savvy with this stuff and he was extremely knowledgeable, patient when explaining things to me and pulling strings to get things done as quickly and efficiently as possible. Thanks to Scott also who helped out a bunch. Would recommend.
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Brian W.
3 months ago
Thomas and TopMark Funding are the absolute best. They made a almost impossible deal happen. Very impressive
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Ron H.
3 months ago
This was my first experience with commercial financing. I had the pleasure of working with Jasmine Kaur! She went above and beyond to make sure everything was thoroughly explained to me. Any questions I may have had, she was there to answer. I appreciate her prompt responses, and attentiveness. My overall experience with Jasmine, and Top Mark was a positive one. I will definitely be sending over referrals. Thank you!
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Antonio H.
3 months ago
If you need funding for your business don't hesitate because Top Mark Funding are the best. Tom was very professional and up front about process. I explained to him my situation and with his help, I got funded in 24hrs. I never had service like this before and I will definitely use them again. I encourage and implore everyone that needs Funding please call Tom Beccaris you will be glad you did.
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gregory B.
3 months ago
Thanks Mitchell Martin for his professionalism
ACg8ocLC3wm3w37E6M1k8awMp5djc9ATtaMHzkYzeORXjjDqCopfmg=s56 c rp mo br100
Atlanta I.
3 months ago
They handled all my issues with professionalism and in a timely manner. I have used them 2 times now and will use them again if I need additional funding.
ALV UjUcJG8syAbkBDFBJvBBOblqmiu3L266BL2uy3uosX0bf Vmi9U=s56 c rp mo br100
Connor H.
4 months ago
Dealing with Nick was an absolute pleasure. I’m on unit #2 with him and every time it’s been so smooth. We had a small hiccup during one transaction due to a paperwork error no fault of anyone, and Nick spent some serious time and energy on making sure I got what I needed. I will be using them for everything
ACg8ocIlep6o518d4vyTIqFpJz5BZmcmBDFCmRRQN2ra7t8TD7EpF5U=s56 c rp mo br100
Chrissy D.
5 months ago
My wife and i would like to give a huge THANK YOU and shout out to Trevor for helping us out on this journey. Trevor went above and beyond on work hours after hours and weekends to help out and make the deal happen. Thank you again trevor!
ACg8ocKCmd6qv8Mv dI64JoLJZ AlfKQO2PRKH9dBupe8W9NtghYHA=s56 c rp mo br100
Keelyn C.
5 months ago
I dealt with Lance Martin at top MARK funding. He was a wonderful loan officer. Keep me on track. He helped to get the amount financed raised and also pushed for a zero down, which he also got I had dealt with several companies that said they could get it done, but couldn't I won't call those companies out and some of those companies never called back. Mr. Lance stayed on the ball, carried it all the way work between me and the dealer when above and beyond spelled everything out in black and white with crayon like most marines and infantry soldiers need will definitely go back and deal with him again he made sure the Long worked for me and at every point make sure I understood what was going on if you're looking for funding and commercial or any other entity, I would suggest giving top MARK funding a call and ask for Lance Martin. I am not the easiest person to work with and he done a wonderful job.

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.

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.