Semi-Truck Financing Guaranteed No Hard Inquiries

Are You Looking to Buy a Semi-Truck and Need Semi-Truck Financing? TopMark Funding® Can Help! #1 Rated Semi-Truck Lender. We Help Small Business Owners Like You Grow Your Trucking Company and Increase Your Revenue. Don’t Wait! Get Pre-Approved For a Semi Truck Lease or Loan Today.

Great Service & Fast Funding
Get Approved for $250k Within 24 Hours – Application Only
Guaranteed No Hard Inquiries – No Impact to Your Credit
Get Pre-Approved Today!

New and Used Semi-Truck Financing Made Easy! Guaranteed No Hard Inquiries

Are you in the market to purchase a new or used semi for sale and need semi-truck financing? Look no further! TopMark Funding is the nation’s top-rated semi-truck lender. We have several competitive semi-truck funding programs to get you the monthly payment you want, help cash flow, and loan terms to fit your business needs.

Whether you want to purchase and finance a new or used 18-wheeler from a dealership or private party we have you covered. We have big rig financing programs for well-qualified startups, and small to medium-sized commercial semi-truck fleets.

Don’t wait, get pre-qualified for tractor-trailer financing today. No hard inquiries, no impact on your business or personal credit score! Get started today!

✔ Guaranteed No Hard Inquiries

Get pre-approved in minutes. Guaranteed no hard inquiries. 100% no negative impact on your personal or business credit.

✔ 90-Day Pre-Approval Guarantee

When you’re pre-approved by TopMark Funding, your pre-approval is good for 90-days. No additional credit checks.

✔ Quick & 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 truckers like you. Client satisfaction is our top priority! Your success is our success.

✔ Startups Welcome

We have a semi financing program for startups with great credit. No money down, flexible terms, and fast funding!

✔ Any Make & Model

We specialize in commercial truck financing, It’s what we do! We can finance any make or model of tractor-trailer.

Google Rating

4.2

Based on 383 reviews

Real Reviews By Truckers Like You!

At TopMark Funding, we prioritize your satisfaction above all else. Drawing from decades of experience in commercial trucking, we understand the value of providing exceptional customer service. Take a look at the reviews from our satisfied customers to see why we’re the top choice for financing your commercial trucking needs.

“TOPMARK HAS REALLY HELPED ME OUT! THEY HAVE BEEN SUCH A HUGE PART OF HELPING ME GROW MY TRUCKING COMPANY.” – JIM P.

Great

4.2

Waldeir D.

very well attended, trevor McCoy very professional and very competent

Darrell D.

Real quick and fast with results!!!

Brandon B.

Worked with Top Mark for the purchase of one truck last November, overall pretty good experience. I would have liked a bit more detail of the financing aspect because it was a bit confusing at first, but honestly i would use them again if i ever needed anymore trucks. Definitely a company i would recommend to someone that wants to finance there 1st truck!

Rachel W.

Worked with Brian Perry for a few days to purchase a second moving truck and he was swift and responsive. However halfway through financing, the person who was helping me invest in this truck decided they would buy the truck outright and we would make payments to them instead to bypass interest etc. Brian was understanding in a what I am sure was an annoying situation and there was no problem getting the $1,500 initial documentation fee refunded to our account. If I ever found myself needing financing again I would use this company.

Jemdy S.

Dylan, always on point and ready to get the job done. Thank you very much!

Ryan N.

Be sure to ask for Mitch or Nick. They were amazing to work with. They made the process so easy, I never had to get out of my truck. 10/10 review for these guys and the company, I'll be back at Top Mark for my next purchase.

Mike W.

Fast process from application to release of funds, and delivery of truck

Phillip J.

Great people to work with in financing your first truck for my business. Thanks, Tyler you work wonders, great job.

Rohan H.

Easily executed my funding for a 2021 Volvo. Looking to get funding for other units in the near future

Alexios M.

Worked with John. Solid transaction all the way through.

Dulce H.

We had the best experience buying our very first Truck. Rob was extremely helpful I cannot fully express how grateful we are. He was checking on us thru the entire process. We were getting texts, calls emails. The guys at the accounting department were also very helpful. We are 100% coming back to do business with this company.

Guillermo O.

Outstanding work thank you Dave Bolce was there with our company ANO Landscaping on getting financing for a mini excavator everything was quick and easy not complicated not making me jump through hoops highly recommended for anybody looking to refinance equipment

Roosevelt G.

Had a wonderful experience with this company everyone was very helpful and made it easy will definitely work with them again

Sean S.

Nick Gilmore at Top Mark Funding is exactly the kind of person you want in your corner when it comes to commercial vehicle financing. From day one, Nick made sure I was taken care of every step of the way. He didn’t just handle the financing – he helped me understand the entire process. When I hit roadblocks or wasn’t sure where to start, Nick stepped in, got the kinks ironed out, and made sure nothing slipped through the cracks.

In this industry, having someone who knows how to get things done and genuinely cares about helping you succeed is invaluable. Top Mark Funding, with Nick leading the charge, delivers a true partnership. If you’re looking to fund commercial vehicles and want to work with a team that’s got your back, Nick Gilmore is your guy!

Frank M.

This is my 2nd Commercial Loan to purchase a Box Truck for my new business. As a new entity in business, it is very difficult to acquire credit , with out past credit history. Not with TopMark Funding.
My Loan Officer , Damien came thru in every aspect. Returned calls , rapid application process, was approved and processed funding within a few days. Damien also follows up almost weekly, to check in on how I'm doing in my new venture.
I highly recommend Damien at Topmark Funding for your next loan.
Great Experience!

Antuanne S.

Tyler very helpful and professional , Topmark makes its happen

David S.

Mitch at TopMark is unstoppable. He helped get me a loan when others could not make it happen. It was my first truck and i don't know how I could have gotten a loan without Mitch and his hard work and tenacity. The rest of the team at TopMark is efficient and knowledgeable. They answered all of my first timer questions with ease and patience. I would recommend him and the team at TopMark to anyone looking for Truck financing.

Ozzy R.

100 percent recommend!!! Mitch helped me even with a couple of issues that came out on my report. Was always able to find a solution to my problems and got me into a truck fast!! Don’t second guess him!

Aaron L.

Mitchell was very supportive during my purchase. I was a bit apprehensive but he did a great job explaining all the details of my purchase. He even took the time to follow up after the deal was complete. I am thankful that they were able to assist in the growth of my company.

YASIR A.

Working with nick was super easy . Very professional and know what he is doing when it come to commercial loan highly recommended.

Fred K.

Jasmine takes care of me every time, very fast and responsive which helps me keep my business going while obtaining new equipment. I won’t use anyone else!

Sam H.

The entire process was easy to follow with a simple and seamless flow of events. Trevor was very attentive to each step and helpful along the way, including following up with the vendor to make sure they did their part for me.

Hallam S.

Mitchell worked very hard to get me financing on my new piece of equipment and was very communicative throughout the process great company to get you the equipment you need.thankyou top mark!

Pamela Wells-Andrews ZWZA Consultant L.

Working with Nick Gilmore was an absolute pleasure. He made the process seamless while providing updates of the progress. I appreciate him setting the proper expectations throughout the entire process. The friendliness and professional service is exceptional and unmatched. Thank you for an amazing experience.

Alle A.

👌 Topmark Funding provided a great funding opportunity for my business. The staff was friendly and helpful. Nick and Patrick I am satisfied with their services and i would recommend them to others.

Herschel P.

Working with Nick was great ...he was very respectful and exciting to work and was on top of everything, responded great of I needed anything and kept his word on call backs and keeping me in the loop and was very honest to me ..I really enjoyed working with him and look forward to doing business with him again

Uriy K.

Worked with Rob on financing for a box truck. Smooth process, definitely would use them in the future.

What is the Best Way to Finance a Semi-Truck?

There are several types of commercial semi-truck financing options. The 3 most popular ways to finance an 18-wheeler are an equipment finance agreement (EFA), a semi-truck lease, or a semi-truck loan. Depending on several factors and what your business goals are we have programs available to fit your specific needs.

An equipment finance agreement (EFA) is ideal for businesses looking to own the truck outright at the end of the financing term.

On the other hand, a semi-truck lease offers flexibility and lower upfront costs, making it suitable for those who prefer not to own the truck.

Meanwhile, a semi-truck loan provides the opportunity to own the truck and build equity over time. Our programs are designed to accommodate various credit profiles and business sizes, ensuring that you find the right financing option to support your growth and success.

Equipment Finance Agreement (EFA)

EFAs are commonly used by businesses to finance various types of equipment, including machinery, vehicles, and other assets. They offer businesses the flexibility to acquire necessary equipment while spreading the cost over time, which can help preserve working capital and improve cash flow management.

One of the biggest advantages of the EFA is the consistent monthly payments. Also, you know the exact pay-off amount at the time of purchase.

Semi-Truck Lease

A semi-truck lease is a financial arrangement where a business or individual obtains the use of a semi-truck for a specified period in exchange for regular lease payments. Unlike purchasing a semi-truck outright, leasing allows the lessee (the party leasing the truck) to use the truck without owning it.

The lease term is the duration for which the semi-truck is leased. Typical lease terms for semi-trucks range from 2 to 5 years, although they can vary depending on the agreement.

Semi-truck leases can be beneficial for businesses and individuals who need access to a semi-truck for a specific period without the upfront costs and long-term commitment of purchasing.

Semi-Truck Loan

A semi-truck loan is a type of financing arrangement that allows individuals or businesses to purchase a semi-truck. In a semi-truck loan, the lender provides funds to the borrower to buy the truck, and the borrower agrees to repay the loan amount plus interest over a specified period.

Semi-truck loans are commonly used by owner-operators, trucking companies, and businesses that need semi-trucks for transportation and logistics operations. They provide a way to acquire the necessary equipment while spreading the cost over time.

Zero Down Semi-Truck Financing Programs

We offer Zero Down Semi-Truck Financing Programs for well-qualified customers – the perfect solution for owner-operators and trucking businesses looking to acquire tractor-trailers without the burden of a large upfront payment.

With our big rig financing no money down options, you can drive away in the 18-wheeler you need today, while preserving your working capital and cash flow for other business needs, such as fuel, unexpected repairs, etc…

Don’t let upfront costs hold you back from upgrading your fleet or starting your owner-operator journey. Take advantage of our big rig no-money-down financing programs and drive your business forward with confidence. Contact us today to learn more and get started on the road to success!

18-Wheeler Financing Options for Startups

When it comes to launching your startup in the transportation industry, securing the right financing for an 18-wheeler is crucial for success.

At TopMark Funding, we understand the unique challenges that startups face, and we’re here to offer tailored semi-truck financing for new businesses to help you get on the road and grow your business.

Criteria for Well-Qualied Startups

Minimum 640 Fico Or Better
3 Years Of Industry Experience
Minimum 20% Down Payment
No Charge Offs
No Major Delinquencies and/or High Credit Balances
Homeowners Preferred

Don’t let financing obstacles hold back your startup’s success. Explore our semi financing options tailored for startups and take the first step towards building a thriving transportation business. Contact us today to learn more and get started!

Semi-Truck Financing With Bad Credit Options

If you’re in need of big rig financing but have bad credit, don’t worry – we have options to help you get behind the wheel of the big truck you want.

We understand that credit challenges shouldn’t stand in the way of your business success. That’s why we offer specialized financing solutions for individuals with bad credit.

Criteria for Big Rig Financing With Bad Credit

500 FICO or Better
Minimum 20% Down Payment
3 Years of Industry Experience
No bankruptcy within 3 years
No Charge Offs or Repos within 3 Years
No Collections
No Back Child Support

Don’t let bad credit prevent you from achieving your goals in the trucking industry. Explore our big rig financing options for individuals with bad credit and take the first step towards owning your own 18-wheeler. Contact us today to learn more and get started on the road to success!

What We Finance Grow Your Fleet & Increase Your Revenue