Semi-Truck Financing for Trucking Companies, Fleets, and Owner-Operators
Looking to Buy a Truck, Trailer, or Commercial Vehicle and Need Equipment Financing? TopMark Funding Can Help! We’re the #1 Rated Equipment, Truck, and Trailer Financing Company, Helping Business Owners Like You Grow Your Fleet and Increase Your Revenue!
- Proven Track Record of Helping Business Owners Finance Trucks and Equipment
- Customized Financing Solutions Tailored to Your Business Needs
- Guaranteed No Hard Inquiries – No Impact to Your Personal or Business Credit
- Fast and Easy Application Process
- Get Pre-Approved for Equipment and Vehicle Financing Today!
$675 MM +
Equipment Funded By TopMark Funding
100 +
Expert Team Members Ready to Help
10.5K +
Businesses Funded & Growing!
50 +
Funding Programs to Meet Your Business Needs
Your Commercial Vehicle & Equipment Financing Partner
Grow Your Business With TopMark Funding
Are you a business owner, owner-operator, or fleet owner looking to grow your construction or commercial trucking business? TopMark Funding provides fast, flexible equipment financing and commercial vehicle financing tailored to your unique needs. Whether you’re expanding your fleet with dump trucks, box trucks, or other commercial vehicles, we make it easy to get the funding you need with no hard inquiries and no impact on your credit score. Get pre-approved today and take the next step toward growing your business.
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.
Semi-Truck Financing
Finance Your Next Semi-Truck With Confidence
Looking to purchase a new or used semi-truck for your trucking company? TopMark Funding is your trusted source for fast, flexible semi-truck financing solutions. Whether you’re an owner-operator or managing a fleet, we make it easy to secure the truck you need—without the stress.
We offer competitive semi-truck loans and lease options designed to fit your budget and business goals. Best of all, there are No Hard Credit Inquiries, so applying won’t impact your credit score.
Get pre-approved today and get behind the wheel faster.
Dump Tuck Financing
Built to Haul—Financed to Grow
Need a new or used dump truck to power your next big job? TopMark Funding offers tailored dump truck financing programs designed for contractors, construction crews, and hauling companies. Whether you’re expanding your fleet or replacing older equipment, we make the process fast, flexible, and hassle-free.
With competitive terms, low payments, and No Hard Credit Inquiries, our financing helps keep your cash flow strong while getting you the truck you need to stay on schedule and under budget.
Apply today and keep your business moving forward.
Commercial Vehicle Financing
Financing That Works as Hard as Your Trucks
From box trucks and wrecker tow trucks to boom trucks and waste equipment, TopMark Funding provides fast, reliable commercial vehicle financing tailored to your industry. We understand how critical these trucks are to your day-to-day operations—and we’re here to help you get them on the road without the delays or credit stress.
Our application process is quick and easy, with No Hard Inquiries and zero impact on your credit score. Whether you’re buying from a dealer or private party, we’ll help you find the right loan or lease to keep your business rolling.
Get the equipment you need—without the roadblocks.
Equipment Financing
Heavy Equipment Financing for Heavy-Duty Jobs
Need reliable funding for construction equipment like excavators, wheel loaders, backhoes, or bulldozers? TopMark Funding specializes in financing yellow iron—helping contractors and construction companies get the machines they need to break ground, move earth, and finish jobs on time.
Whether you’re upgrading your fleet or adding new machines, our financing programs are built for flexibility, fast approvals, and No Hard Credit Pulls. From job site to bottom line, we make it easier to invest in the equipment that drives your business forward.
Apply now and get your next project off the ground.
Our Simple 4-Step Dump Truck Financing Process
We’ve streamlined dump 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 dump 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 90 days at any dealership or private seller. When you find your dump 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)
✅ 90-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 dump 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
Glossary of Semi-Truck Financing Terms
Not sure what certain financing terms mean? We’ve put together a quick glossary of the most common dump truck financing terms. Each definition is written in plain language so owner-operators, fleet owners, and trucking companies can better understand their financing options. This helps you compare loan and lease programs with confidence
Dump Truck Loan
A financing program where you borrow money to purchase a dump truck. You make fixed monthly payments until the loan is complete, and you own the truck outright.
Dump Truck Lease
An agreement that lets you use a dump truck for a set term with lower monthly payments. At the end of the lease, you can return, renew, or purchase the truck for a residual value.
Equipment Finance Agreement (EFA)
A flexible financing structure for commercial vehicles and equipment. Ownership transfers to you once all scheduled payments are made.
Bad Credit Dump Truck Financing
Financing programs created for applicants with lower credit scores. These often require larger down payments or higher monthly payments.
TRAC Lease
A Terminal Rental Adjustment Clause lease often used in trucking. At the end of the term, you can purchase the dump truck at a pre-set residual value, renew, or return it.
Residual Value
The estimated worth of a dump truck at the end of a lease term, which helps determine your buyout price.
Down Payment
The upfront cost you pay when financing a dump truck. The amount varies based on credit profile, time in business, and the lender’s requirements.
Owner-Operator
A driver who owns and operates their own dump truck instead of driving for a company.
Pre-Qualification
A quick financing review that shows you potential terms without a hard credit inquiry. At TopMark Funding, pre-qualification has no impact on your credit score.
Fleet Owner
A business owner or company that operates multiple dump trucks or vocational trucks.
Vocational Truck
A type of truck built for specific jobs, such as dump trucks, tow trucks, garbage trucks, or cement mixers.
GVWR (Gross Vehicle Weight Rating)
The maximum safe weight a dump truck can carry, including its own weight and the load. Lenders sometimes consider GVWR when evaluating financing.
Commercial Truck Financing
A financing program designed specifically for business-use vehicles, including dump trucks, tractor-trailers, and other heavy-duty trucks.