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Truck Financing Guaranteed No Hard Inquiries

Looking to Buy a Commercial Truck and Need Truck Financing? TopMark Funding Can Help! Get Pre-Approved Before You Buy. #1 Rated Truck Financing Company. Helping Drivers Like You Grow Your Fleet and Increase Your Revenue!

  • Best Rates & Fast Funding
  • Get Approved for $250k Within 24 Hours – Application Only
  • Guaranteed No Hard Inquiries – No Impact on Your Credit
  • Get Pre-Approved Today!

Commercial Vehicle & Truck Financing Helping Drivers & Fleet Owners Grow Their Fleets

Semi-Trucks & Trailers

Financing Programs for Semi Trucks & Commercial Trailers

Commercial Trucks

Commerical truck Financing for Dump and Box Trucks, & More

Box Trucks

Financing Programs for Box Trucks & Straight Trucks

Commercial Vehicles

Lease Programs for Delivery Vans & Vocational Vehicles
Google Rating
4.1
Based on 231 reviews
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How to Get Truck Financing

If you’re in the market to buy a new or used truck you should read this article first. Commercial truck financing is different from traditional vehicle financing and leasing. Traditional vehicle loans typically require your credit, business revenue, and time in business to determine if you’re qualified.

There are several factors that will determine your truck lease or loan terms, interest rate, and down payment. Here’s a list of all the requirements and factors that determine your eligibility and financial requirements.

Truck Financing Requirements

  • Credit Score – 650 or Better for the Best Commercial Truck Financing Rates.
  • Time in Business with a CDL License – 3+ Years Preferred (But We Can Finance Start-ups Too!)
  • Down Payment Amount – How Much Can You Afford to Put Down on Your Truck.
  • Age of the Truck – Less than 10 years old
  • Truck Mileage – Less than 700k miles

When it comes to commercial vehicle financing the equipment you decide to purchase becomes the collateral. This helps to limit the lender’s risk on the commercial vehicle, or heavy equipment lease or loan. By reducing the lender’s you’re more likely to be qualified for financing.

Deciding whether to get a lease or loan, choosing between new or used Freightliner, Peterbilt, or Kenworth. Having a partner like TopMark Funding that understands the commercial vehicle industry and all that comes with tractor and trailer financing (titling, registration, insurance, warranties, etc.) is crucial to your success in the trucking industry.

Whether you’re an owner-operator, a small fleet owner, or own a large fleet, we have commercial financing solutions for you and your business. We have great financing programs that will fit your budget and help add more profit to your bottom line.

Get Approved For Up To $250k Within 24 Hours – Application Only!

Get a Hassle-Free Truck Financing Quote

Guaranteed No Hard Inquiries

Frequently Asked Questions

Your Equipment Financing Partner Grow Your Business With TopMark Funding

Are you a business owner, owner-operator, or fleet owner looking to expand your construction or commercial trucking business? TopMark Funding can help! We help businesses like yours grow. We offer equipment financing and business loan programs that will fit your business needs. Get pre-approved today. No hard inquiries or negative impact on your credit.

Construction Equipment & Vehicles

Financing Programs for Constructions Equipment & Commercial Vehicles

Commercial Trucks & Vehicles

Lease & Loan Programs for Commercial Trucks & Vehicles

Emergency Equipment & Vehicles

Financing Programs for Emergency Equipment & Vehicles

Top Rated Truck Financing Company What Our Customers Are Saying About Us

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.

Matt was excellent to deal with and was helpful and diligent throughout the process. Company and terms are straight forward. Excellent doing business with.
William M.
William M.
21:50 31 Mar 23
TopMark is Top Notch! As a dealer I have had the good fortune to work with Damian Norris on multiple occasions. I know Damian is always going to go way above and beyond to help my buyers get into the equipment they need.
Justin
Justin
21:25 31 Mar 23
I worked with a guy named Kyle Mota he was awesome I had many questions and he always responded and kept me updated with no issue. He was straight forward and over all made my experience wonderful. Thank u Kyle
Bailey L.
Bailey L.
20:28 29 Mar 23
It was a pleasure working with TopMark Funding . The process was easy and fast because of TopMark's teams working around the clock for me.
Eric F.
Eric F.
20:35 27 Mar 23
Steve Archambault was awesome! He performed exactly as promised from the first phone call all the way through the funding process. Made buying our first truck the easiest thing about getting our business up and running.
Sarah H.
Sarah H.
14:27 25 Mar 23
5 stars ! Easy communication great transaction
Aleks F.
Aleks F.
14:45 21 Mar 23
Damian Norris is fantastic. I can’t begin to tell you how hard he worked. The equipment I need is unique and he was there every step of the way. He had many options for first time buyers to fit our needs and goals. No surprises and no BS. Very straight forward and honest.
Jimmy M.
Jimmy M.
15:25 18 Mar 23
Thank you Tyler for making the purchase of my box truck a pleasant experience. I appreciate how informative and cooperative you have been through the whole process. I look forward to working with you again in the future.
DJ R.
DJ R.
17:03 13 Mar 23
Great company to deal with awesome people. Nick was very helpful throughout the whole buying process, handled everything very professionally & always answered any calls and questions I may had. Definitely recommend! Thanks again.C and A Transport
Axton Swamp B.
Axton Swamp B.
14:18 11 Mar 23
Had a great experience working with David Bolce of TopMark Funding. Great guy excellent with the step by step process which made everything go pretty smooth!!! Thumbs up and would definitely recommend/refer him to anyone looking to purchase commercial equipment.
James A.
James A.
15:35 03 Mar 23
Tyler went out of his way to get my loan approval done in the time I needed. I would go back to him if I ever buy another semi. Thanks TopMark Funding and Tyler!
Melanie C.
Melanie C.
22:18 21 Feb 23
I’m just starting my new business, and the sales executive David helped me every step of the way. He made sure I had all the things I needed, and was very attentive. He made sure we stayed on the timeline to help me get behind the wheel, and making money. He represented his company as more than just a lender, but as a business who wants their customers to succeed. Thank you for all your guidance.
Nathan N.
Nathan N.
23:21 17 Feb 23
Tyler at Top Mark Funding was excellent to work with! He made the entire buying process fun and exciting! Would recommend him to all and hopefully you get Tyler! Thanks for everything Man!!
Bryan B.
Bryan B.
00:39 10 Feb 23
David Bolce is the best. He helped me a lot throughout the process and was always available to answer any question. I recommend them very fast and efficient. David Bolce
Alexander Mateo P.
Alexander Mateo P.
22:50 09 Feb 23
I must say when Top Mark first reached out to me with quotes for financing a 2017 Volvo semi truck, I was not pleased. I thought everything was hopeless and that I would not get the vehicle I so desperately need to keep my transportation business running. Tyler Davis did not give up on me made the financing work where I could afford the down payment as well as the monthly payments.
Mio C.
Mio C.
18:46 05 Feb 23
I contacted TopMark finance and was connected with David, he was courteous and professional from the beginning to the end. Everything was explained in a way for me to understand and if there was questions he was always there to answer. I would recommend the company and especially him to handle my financial needs
Marion D.
Marion D.
00:04 03 Feb 23
TopMark helped me start my fleet. Chaz informed me of programs that suited my needs. I am forever Gr8full
Admiral L
Admiral L
12:07 02 Feb 23
I had a great experience using TopMark Funding James who was my contact person was outstanding in the purchasing of my new 26ft boxtruck.Everything was done quickly and professionally!I will use them again!
David R.
David R.
19:57 01 Feb 23
Trevor was very east to work with. He is very knowledgeable and was able to answer all my questions very quickly. Thank you Trevor.
Joshua W.
Joshua W.
00:46 31 Jan 23
Thomas made the Process easy and was a joy to work with.
David J.
David J.
16:41 28 Jan 23
Top mark funding made financing business equipment very easy as well as very professional. david bolce was on top of everything from start to finish great person to work with.
Charles C.
Charles C.
23:04 27 Jan 23
When it comes to handling business? Mr. Thomas Battistella is the guy u need to see, He answered the phone every time I call or texted. He was never to busy, Plus he got the job done. Not jus 1 truck, but 2 trucks. You the Man Thomas! When nobody else believe my dream and goals? Mr. Thomas Battistella did. And we pushed for it! 💪🏿💯👍🏿💯🎯🎯. Thanks again for making my dream a reality!
Keith S.
Keith S.
02:30 18 Jan 23
Mr. Thomas Battistella was very helpful & quick responsive to all the questions that I had.. Very polite, great sense of humor.. TopMark Funding got the job done when no one else would give a start up small business a chance.. Thanks so much Mr.Thomas Battistella..
Chris R.
Chris R.
23:34 17 Jan 23
Fast and very helpful with funding process, highly recommend!!!
Manuel G.
Manuel G.
12:54 04 Jan 23
Thomas, with Top Mark Funding was excellent, very attentive, he explained everything to us, very patient. Thank you so much for all your help Thomas & Top Mark Funding!
Rene H.
Rene H.
19:46 29 Dec 22
Special thanks to TopMark Funding and especially Brendan K. for superb service, always available and easy to get in touch with. He followed us step by step through the whole process. He answered all our questions in a personal, and timely manor. We recommend 100%.
Connie D.
Connie D.
20:37 28 Dec 22
Extremely helpful and guided me thru the process from start to finish. I strongly recommend Tyler for all your lending needs.
Craig W.
Craig W.
16:03 28 Dec 22
I cant began to express my gratitude to Tyler from TopMark funding. He really took care of me during this whole process answered any questions and concern I had, he was always available and went above what I expected. I can truly say TopMark funding is definitely the place to go when your looking for a commercial lender. They truly care, because of them I was able to purchase my first cargo van for my business. When it's time to purchase my second van I'll call Tyler.. Thanks again..
shajvania W.
shajvania W.
18:14 27 Dec 22
Top mark moved fast once I found the truck that I wanted. My rep Brian is one of the best. Keep me updating the entire process and Made sure the deal got done. Definitely hit him up if you looking at going through TOP Mark Funding!!!!
Dee B.
Dee B.
22:08 14 Dec 22
Good experience, always ready to pickup there calls for any questions, good communication , commitment, honest and ready to work with you for any adjustments.
Shola M.
Shola M.
14:30 07 Dec 22
Top mark was really helpful in helping me to get financing. I would recommend them to anyone.
dajuan S.
dajuan S.
22:56 05 Dec 22
Great customer service, very people.
Marcellus C.
Marcellus C.
19:05 04 Dec 22
This is the second time i used Topmark and each time they helped me get the best deal possible for me and my company.. i recommend them to anyone wanting to elevate their business..
fernando sierra J.
fernando sierra J.
05:45 03 Dec 22
From start to finish my experience with TopMark was excellent. Even buying from a private seller in another state my loan guy Brian made the process far easier than I expected. He was very responsive on every level when it came to answering questions and getting the deal done and still is even after the fact. Good customer service is hard to come by these days.
Ben W.
Ben W.
00:27 02 Dec 22
New to the business as an owner operator after working with a dispatcher several years. We couldn’t ask for a better loan manager. Tyler Davis was on top of every little detail and made sure we closed and funded our deal as quickly as possible. He showed great communication skills and answers all our questions promptly. Highly recommend Topmark funding and ask for Tyler. - S & S Logistics Solutions
Adrian U.
Adrian U.
19:46 01 Dec 22
Tyler was an absolute god send, he helped me through this entries process and was always one call away. I would definitely recommend his services.
J M.
J M.
16:57 30 Nov 22
5 stars, it’s awesome working with someone that does exactly what they say they’re going to do. Tyler was great!
Chace G.
Chace G.
16:21 15 Nov 22
Adam is great and very helpful with finding equipment and gives you the numbers right to the last penny.
nyasia A.
nyasia A.
17:22 08 Nov 22
Working with Thomas was a great experience. He was very responsive and informative and helped me make one of the best decisions possible for growing my company.
Jay E.
Jay E.
16:46 04 Nov 22
Thomas is a top notch guy! He went waaayyy above and beyond to not only get me funded but he also helped get my trucks to me. i will definately use him again when im ready to buy more trucks
James T.
James T.
11:37 04 Nov 22
My and husband I had a very positive experience with financing through TopMark Funding. Our finance guy, Geoff Garden went above and beyond our expectations in the whole process of buying our Peterbilt. Geoff kept us both informed every step of the way throughout the whole process. We would recommend anyone looking for financing to give TopMark a try!
Clara L.
Clara L.
12:43 03 Nov 22
I did enjoy my experience working with TopMark Funding it was quite the process but at the end of it all it was the best process for me.
phtalac
phtalac
20:06 02 Nov 22
So my rating is based on my experience with two people. Short version, avoid Brian St Louis, and request Tyler Davis.I started with Brian, and after only giving me part of the information I needed to make an informed decision he got frustrated with me for asking too many questions. The defining moment is when I presented a truck I needed financing for, and he told me that they couldn't finance it for a few different reasons. I started asking asking questions as to why and he said that maybe TopMark isn't the company for me and I should look elsewhere. I politely ended that call and haven't spoken to him since.Two days later I was speaking to someone at Ryder who brought Tyler into the conversation. Tyler was night and day different. He provided me all the necessary information, and presented me a better financing deal than Brian ever mentioned. I continued to go through the process with Tyler who was informative, helpful and always on his game. He was even keeping me updated while on his vacation.So to end, I was pleased with the result, but very displeased with Brian and his unprofessionalism. Thankfully Tyler was there to save the company's reputation and keep my rating from being any lower.
Christopher M.
Christopher M.
01:44 31 Oct 22
Tyler was great to work with. He communicated well, explained my options throughly and assisted with my funding needs. I’ll definitely consider working with Tyler again for future funding.
Dominique L.
Dominique L.
21:06 27 Oct 22
He was honest and helped a lot thank you Thomas
RENE M.
RENE M.
17:00 27 Oct 22
We had the privilege of working with Tyler Davis. Tyler provided patience and guidance throughout the entire process, we felt happy and certain with our Commerical Truck purchase and will be doing business in the future with Tyler as our fleet continues to grow! Thank you again Tyler from your friends at Anderson Transportation Services LLC
Akil A.
Akil A.
16:29 27 Oct 22
I purchased my first truck through Topmark with the help of Tyler. He was very helpful, patient, and kept me informed and up too date throughout the whole process. Highly recommend, and I'll definitely be purchasing my second truck through Topmark and with the help of tyler.
Fanel
Fanel
01:53 27 Oct 22
Tyler Davis with TopMark was excellent! I bought my first semi and he helped walk me through the entire process. He was easy to get ahold of and very quick to respond to all of my questions. Highly reccomend Tyler and TopMark
Derek R.
Derek R.
21:20 26 Oct 22
Great communication and great help during the whole process!
Antwone H.
Antwone H.
21:12 26 Oct 22
Such efficient work by Brian Perry. Everything I needed to get my new truck for my business was handled without hassle. Excellent communication from start to finish!
Joffre L.
Joffre L.
00:35 20 Oct 22
Top Mark made the whole experience of buying a truck very simple. Trevor Mcoy walked me through every step. I would recommend Trevor Mcoy and Top Mark to anyone. Thank you Trevor and Top Mark for everything you’ve done for me.
Richie A.
Richie A.
12:31 12 Oct 22
Thanks to Thomas Battistella for help me whit all the step in this process to buy my first truck .thanks again thomas
emanuel P.
emanuel P.
21:47 11 Oct 22
My experience with Adam Czaikowski was extremely awesome.He was very helpful knowledgeable and always available.He answered all my questions and kept me up to date with everything. He made the loan process very smooth. Thanks Adam Czaikowski.
Perry M.
Perry M.
14:56 10 Oct 22
Thomas My TopMark Funding Rep was very knowledgeable and helpful throughout my truck purchasing process. I hope to have his assistance on my next truck purchase. 😊Derrick
ZanWay-Derrick
ZanWay-Derrick
09:09 03 Oct 22
Thomas has been extremely helpful since the first day we started doing business with him. He was always available and responsive with all and any questions we had. He made the entire process very smooth for my husband and I. He always kept us updated with everything. We will definitely be coming to him again for our next purchase!
Natalie G.
Natalie G.
19:34 16 Sep 22
Adam D. got me a great deal on a 26ft box truck and was very easy to work with. Will definitely continue using Top Mark as I build my fleet out. 10/10
Roop
Roop
21:23 15 Sep 22
When buying our new 2022 Great Dane Trailer I have to admit in the beginning I was a little nervous. Lol. Yet now that we have gone through the process of ownership, TopMark Funding made every step painless. There was absolutely no pressure, and it only took about a week to get everything accomplished. I was literally able to conduct this sale over the road, while trucking it up per say, and TopMark Funding guided me literally through the entire process, path to ownership. As far as I’m concerned, this is the best funding company around, and I will always do my purchases through them. Thank you TopMark for making this endeavor a reality, and keeping my contract with Boeing going. PT
I would recommend working with TopMark, Thomas was very helpful and returned my calls in a timely manner whenever I had any question.
Alex P.
Alex P.
00:17 26 Aug 22
Trevor is upfront and honest. He's thorough and follows up with great communication throughout the process. Great service!!
Ty W.
Ty W.
22:55 24 Aug 22
This experience was exceptional for my small business looking to finance equipment and get into the Freight and Logistics avenue. As an owner operator the funding from this company was a huge help. Thomas Battistella went above and beyond every step of the way to help my business that's been incorporated for 3 and a half years acquire funding. While most other companies required 20-40% down for a 26 Foot Box Truck, Top Mark Funding made this a smooth and easy process requiring a significantly less down payment with much more favorable terms. I look forward to expanding my fleet of Box Trucks with Thomas and Top Mark Funding in the future, the hospitality here is unmatched and multiple calls are made to you throughout the 2-3 week process with a breakdown of every document you'd need to submit throughout each phase. I'm satisfied with my terms and look forward to purchasing more trucks with Top Mark as my lender moving forward. Thanks once again Thomas, you rock!
Anthony W.
Anthony W.
01:25 19 Aug 22
Mr. Thomas Battistella is a true professional! We talked, text, emailed numerous times a day. He put our worries to rest and updated us constantly throughout the purchasing process. He explained every aspect of the transaction from start to finish. I would highly recommend working with Mr. Battistella!
Cheryl C.
Cheryl C.
19:06 20 Jul 22
Excellent Service,Trevor McCoy who l dealt with was brilliant made the whole process easy and simple. Definitely Recommend this company
Nonie B.
Nonie B.
06:53 12 Jul 22
I purchased my first truck using Top Mark Funding and it was a breeze. Art Thompson assisted me throughout the entire process. His communication was on point. Any questions I had he got me an answer and understood the urgency of the situation. I will definitely do business with you in the future.
denise J.
denise J.
21:04 08 Jul 22
Ask for Justin Raisch, he will get it done .
Joe C.
Joe C.
20:24 08 Jul 22
Thomas was very helpful to me, he was always available to answer my questions. He worked with me around my schedule. He was very patient with me getting all my papers together. Thank you so much for all the help.
Batulo M.
Batulo M.
00:47 07 Jul 22
I just want to thank my Loan Officer Adam Day. He made the impossible possible. I was denied for funding left and right due to being a startup. But Adam assured me that there was hope and sure enough his words were true. He was very pleasant to work with which made my experience even better. Thanks Adam you're the best.
Miss W.
Miss W.
22:41 05 Jul 22
The process was quick with no issues and now I’m picking up my truck! Thanks Trevor
Jamal T.
Jamal T.
16:12 03 Jul 22
The beginning of this process was a bit overwhelming thankfully Thomas was quick to answer any questions and was on the ball and made the experience very manageable.
Jeremy J.
Jeremy J.
20:28 27 Jun 22
Thomas was great to work with very professional and took care of everything for me in timely manner great service!
Bryan G.
Bryan G.
23:31 23 Jun 22
This is a great team, they take the time to help you with your business needs, very easy to talk to. The guide you step by step. I’m strongly recommend you to bring your business here, absolutely and certainly a decision that is worth to make. I’m definitely coming back!!!
Lenin Z.
Lenin Z.
18:59 12 Jun 22
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