Semi-Truck Loans for Trucking Businesses With Fast, Flexible, No Hard Credit Checks
Get fast, flexible semi-truck loan options through TopMark Funding®, the #1 lender for commercial trucking. Finance new or used semi-trucks from any dealer or private seller with competitive rates, quick approvals, and no hard credit inquiries. Perfect for owner-operators, small fleets, and growing trucking companies.
$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
Get pre-approved in minutes and shop for your semi-truck with confidence
Financing Designed for Owner-Operators, Fleets & Growing Trucking Companies
Semi-truck loans help trucking businesses purchase new or used Class 8 trucks with affordable monthly payments and long-term equity. At TopMark Funding®, we specialize in semi-truck loans for owner-operators, small fleets, vocational trucking companies, and long-haul carriers looking to expand their operation.
We finance all major makes and models — including Freightliner Cascadia, Peterbilt 579, Kenworth T680, Volvo VNL, International LT, Western Star, Mack Anthem, and more. Whether you’re buying from a dealership, auction, or private seller, our programs are built to match your cash flow, credit profile, and business needs.
With fast approvals, competitive rates, no hard credit checks, and funding up to $250,000 application-only, we make it simple to acquire your next 18-wheeler and get it on the road quickly. Get pre-approved today and secure the truck your business depends on.
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 commerrcial truck financing company by drivers like you. Client satisfaction is our top priority! Your success is our success.
We have a great equipment financing program for startups with great credit. No money down, flexible terms, and competitive rates
We can finance any make or model of semi, including Freightliner, Peterbilt, Kenworth, Mack, Volvo, International, and Western Star.
Trusted By Business Owners Like You
Real Customers. Real Growth. Real Reviews.
At TopMark Funding your satisfaction is our top priority. With decades of vocational truck financing 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 Financing Process
We’ve streamlined equipment financing so you can get approved quickly and start earning revenue with your new equipment.
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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 equipment 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 Equipment and Submit Documents
Shop for up to 60 days at any dealership or private seller. When you find your equipment, 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 loans 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 Truckers, Contractors, and Fleet Owners Just Like You
At TopMark Funding®, your satisfaction is our top priority. With decades of experience in commercial trucking and construction equipment financing, we understand how important it is to deliver a smooth, reliable customer experience. See what our customers have to say.
Semi-Truck Loan Frequently Asked Questions
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What credit score do I need to get approved for a semi-truck loan?
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How much down payment is required for a semi-truck loan?
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How long can you finance a semi-truck?
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Can I get a semi-truck loan with bad credit?
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How fast can I get approved for a semi-truck loan?
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Can I finance a used semi-truck?
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Do I need a CDL or time in business to qualify for a semi-truck loan?
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Does a semi-truck loan affect my credit score?
Semi-Truck Loan Glossary of Common Terms
Understanding the terminology used in wrecker and tow truck financing can help you make smarter decisions when buying or leasing a rollback, integrated wrecker, wheel-lift truck, or heavy-duty recovery unit. Whether you operate a small towing company, a roadside assistance fleet, a repossession business, or a large recovery operation expanding its equipment lineup, this glossary explains the most common terms you’ll encounter in the wrecker loan and lease process. Use this quick reference guide to navigate financing programs confidently and choose the best solution for your towing, recovery, and commercial vehicle transport needs.
Semi-Truck Loan
A financing agreement where you borrow money to purchase a semi-truck and gain full ownership after completing all payments.
Down Payment
The upfront amount paid toward the truck at the time of purchase. Down payment requirements vary by credit profile, lender, and truck age.
Interest Rate
The cost of borrowing money for your semi-truck loan. Rates depend on factors such as credit, time in business, and equipment age.
Loan Term
The length of time you have to repay the loan. Terms vary based on credit strength, loan structure, and truck condition.
Collateral
The truck being financed, which the lender uses to secure the loan. Collateral reduces risk and helps buyers qualify more easily.
Soft Credit Pull
A credit check used for pre-qualification that does not impact your personal or business credit score.
Hard Credit Inquiry
A credit check performed during final approval. Hard pulls can temporarily affect your credit score.
Principal Balance
The original financed amount, not including interest or fees. Your payments reduce this balance over time.
Equity
The portion of the truck you own after making payments. Equity increases as you pay down the principal.
EFA (Equipment Finance Agreement)
A financing contract similar to a loan where you make fixed payments and own the truck at the end of the term.
Fixed Monthly Payments
Predictable payments that remain the same throughout the loan term, helping trucking businesses manage cash flow.
Balloon Payment
A large final payment sometimes required at the end of certain loan structures.
Private-Party Purchase
Buying a semi-truck from an individual seller instead of a dealership. Many lenders allow financing for both sources.
Dealer Purchase
Buying a truck from a dealership. Dealers often provide truck details, condition reports, and maintenance history required for financing.
Loan-to-Value (LTV)
The ratio of the loan amount compared to the truck’s value. Lower LTV often means better terms.
Commercial Truck Insurance
Required coverage that protects the financed truck; lenders typically require liability, physical damage, bobtail, and cargo coverage.
Payment History
A track record of how consistently you make payments. Strong payment history can improve approval chances and future loan terms.
Get the Equipment Financing You Need – Fast, Simple, and Hassle-Free
At TopMark Funding®, we make it easy for owner-operators, fleets, and waste and refuse 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.