Semi-Truck Financing for Trucking Companies, Fleets, and Owner-Operators
Need Semi-Truck Financing? Get approved fast with TopMark Funding®, the #1 rated semi-truck financing company for owner-operators, fleets, and trucking businesses nationwide. We offer flexible terms, fast funding, and no hard credit inquiries — helping you grow your business and expand your fleet with confidence.
$700 MM +
Equipment Funded By TopMark Funding
100 +
Expert Team Members Ready to Help
11.5K +
Businesses Funded & Growing!
50 +
Programs That Fit You
Fast Approvals, Competitive Rates, and No Hard Credit Checks
Trusted Semi-Truck Financing Options for Owner-Operators and Fleets
Whether you’re an owner-operator, a fleet owner, or just starting your trucking business, TopMark Funding® makes semi-truck financing fast, flexible, and stress-free. We offer quick approvals, competitive rates, and no hard credit inquiries, so you can secure the truck you need without hurting your credit score.
We specialize in financing new and used semi-trucks, including 18-wheelers from leading brands like Freightliner, Kenworth, Peterbilt, Mack, and more. Each program is tailored to your business needs—helping you upgrade your equipment, expand your fleet, or replace an older unit with confidence.
With decades of experience in commercial truck and equipment financing, our team understands the unique challenges of the trucking industry. Get pre-approved in minutes and see why truck drivers and fleet owners nationwide trust TopMark Funding for dependable semi-truck loans and semi leasing options that keep their business moving forward.
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 financing program for startups with great credit. No money down, flexible terms, and great rates
We specialize in commercial vehicle financing. It’s what we do! We can finance any make or model of dump truck.
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.
Types of Semi-Truck Financing Options
Flexible Programs Built Around Your Business Needs
Choosing the right semi-truck financing program can make a big difference in your monthly payments, tax advantages, and overall profitability. At TopMark Funding®, we offer several financing solutions designed to fit your business goals — whether you’re an owner-operator, a fleet owner, or a construction company expanding your fleet.
Equipment Finance Agreement (EFA)
Own Your Semi-Truck with Fixed Payments and Full Control
An Equipment Finance Agreement (EFA) combines the ownership benefits of a loan with the flexibility of a lease. You make fixed payments and own the semi-truck after the final payment — no large buyout required.
EFAs are popular among owner-operators and fleet owners who want predictable costs, simple terms, and the ability to claim interest and depreciation deductions for their business. With fast approvals and no hard credit inquiries, TopMark Funding makes EFAs a smart, simple choice for long-term ownership.
With TopMark Funding, owning your semi-truck is easier than ever — get pre-approved in minutes
Semi-Truck Leases
Leasing Made Simple—Flexible, Affordable, and Hassle-Free
A semi-truck lease offers a lower upfront cost and often a lower monthly payment compared to a traditional loan. Leasing is ideal if you want to upgrade your truck every few years or keep newer equipment in your fleet without the long-term ownership costs.
TopMark Funding offers multiple lease structures, including FMV leases and TRAC leases, giving you flexibility, mileage options, and potential tax benefits while preserving cash flow.
Keep your business rolling with flexible lease terms, low upfront costs, and fast approvals — get pre-approved today and upgrade your truck with confidence.
Semi-Truck Loans
Own Your Truck and Build Long-Term Equity with Every Payment
A semi-truck loan is the best option if you want to own your truck outright once your payments are complete. With fixed monthly payments and flexible terms, TopMark Funding makes it easy to finance new or used trucks through dealerships or private sellers.
You’ll build equity over time and may qualify for tax deductions on depreciation and interest. Our team helps you find competitive rates and quick approvals — so you can get on the road and start earning faster.
Take the wheel of your business success — get pre-approved for a semi-truck loan today and start building equity in your equipment.
Our Simple 4-Step Semi-Truck Financing Process
We’ve streamlined semi-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 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
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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 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
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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 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 About Semi-Truck Financing
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What credit score do I need to finance a semi-truck?
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How long can I finance a semi-truck?
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Can I finance a used semi-truck or one with high mileage?
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What is the difference between a semi-truck loan and a lease?
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How long does the approval and funding process take?
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Will applying for truck financing affect my credit score?
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What types of semi-trucks and trailers can I finance?
Glossary of Semi-Truck Financing Terms
Understanding the terms used in semi-truck financing can help you make smarter decisions when buying or leasing your next truck. Whether you’re an owner-operator, fleet owner, or trucking company, this glossary explains the most common terms you’ll encounter in the truck and equipment financing industry. From EFA agreements to TRAC leases and everything in between, here’s a quick reference guide to help you navigate the financing process with confidence.
18-Wheeler
A tractor-trailer combination with 18 total wheels, commonly used for long-haul freight transport.
App-Only Financing
A financing option allowing approval based solely on the credit application, without requiring financial statements.
Big Rig
Slang term for a semi-truck or tractor-trailer used in commercial trucking.
Commercial Truck Loan
A financing agreement for purchasing or refinancing a truck used for business purposes.
Down Payment
The initial amount paid upfront when financing a semi-truck; typically ranges from 0% to 20% depending on credit and program.
FET (Federal Excise Tax)
A federal tax applied to the first retail sale of certain heavy trucks, trailers, and tractors.
EFA (Equipment Finance Agreement)
An EFA is a financing contract where you make fixed payments and own the semi-truck after the final payment. It works like a loan rather than a lease and may offer tax benefits for business owners.
Fleet Financing
A financing solution for businesses purchasing multiple trucks or trailers under one credit profile.
FMV Lease (Fair Market Value Lease)
A lease structure that allows the lessee to buy the truck at fair market value at the end of the term.
Heavy-Duty Truck
Trucks in Class 7 and Class 8, typically used for hauling freight over long distances.
Lease Buyout
The option to purchase leased equipment at the end of a financing term.
No Hard Credit Inquiry
A soft credit check that does not impact your credit score during pre-approval.
Owner-Operator
An independent truck driver who owns and operates their own semi-truck or small fleet.
Residual Value
The estimated value of a leased semi-truck at the end of the lease term.
Semi-Truck Lease
A contract allowing use of a truck for a fixed term with monthly payments, often including a buyout option.
Semi-Truck Loan
A financing agreement where the borrower owns the truck after completing payments.
Soft Credit Pull
A credit check used for pre-approval that does not affect credit score.
Startup Program
A financing option for new businesses or first-time owner-operators with limited time in business.
Tractor-Trailer
The combination of a powered semi-tractor and one or more trailers used to haul freight.
TRAC Lease (Terminal Rental Adjustment Clause)
A lease structure allowing mileage flexibility and tax benefits for commercial vehicles.
Used Truck Financing
Financing programs designed for pre-owned trucks, often with mileage or age limits.
Zero-Down Financing
Programs allowing qualified buyers to finance a truck without a down payment.
Get the Semi-Truck Financing 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.