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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.

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Google Rating
4.3
Based on 356 reviews
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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.

Excellent
4.3
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!
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!
Tyler very helpful and professional , Topmark makes its happen
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.
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!
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.
Working with nick was super easy . Very professional and know what he is doing when it come to commercial loan highly recommended.
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!
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.
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!
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.
👌 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.
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
Worked with Rob on financing for a box truck. Smooth process, definitely would use them in the future.
Nick and Frankie at TopMark Funding helped make my first funding experience a breeze for my startup. Will be using them again!
I reached out to TopMark to obtain financing to purchase a trailer for my trucking company. I wasn't pleased with the representative who initially worked on my application.I later spoke with Nick and he was able to resolve my issues and concerns. He stood on his word and apologized for the issues I was having and he moved quickly to resolve things.I appreciate his help and should I need funding in the future, I will not hesitate to reach out to Nick.Thank you
I worked with Frankie, Matt, and Nick for my first dump truck purchase. These great guys got me approved for my start up business!
I'd like to thank Matt Welsh and Sydney Klapper for their professionalism and courtesy in buying my second truck. 👏
I recently had the pleasure of working with Trevor McCoy at Top Mark Funding, and I must say, his professionalism and dedication have completely changed my view of the company. After a previous representative told me I was ineligible for a refund for a truck financing deal gone awry, Trevor stepped in and made all the difference.From the outset, Trevor was incredibly responsive, always returning my calls promptly and even reaching out when I least expected it to keep me updated. His proactive approach was a breath of fresh air. What truly set Trevor apart was his willingness to go the extra mile. Despite challenges with my credit report that surfaced and hindered the financing process, Trevor did not give up. He advocated on my behalf and successfully obtained a refund of $3,600 for me—an outcome I thought was impossible based on my prior experiences.Trevor’s commitment to service and his ability to deliver results when it mattered most have earned my complete trust and gratitude. If you’re looking for a funding company that truly values its clients and employs professionals who lead with integrity and care, look no further than Top Mark Funding. Thank you, Trevor, for your exceptional service and for restoring my faith in what customer care should be!
Great experience with the help from Rob & Nick Gilmore! Thank you so much for the help with buying my new truck!
Thomas goes above and beyond extremely great experience
Can’t say enough in how happy I am with Brian in top mark he was always professional and always communicating with me every step of the way I would recommend TopMark 100%
I want to thank Rob and Nick for being patient with me and holding my hand throughout the financing process. They are very knowledgeable and you can count on whatever they say.
Nick was quick and gave us a great product with very competitive terms to fund three vehicles. Highly recommend!
Top mark is a great institution. Help me get my first truck. I don’t know if I could’ve done it without Nick and Rob. They really did a great job helping me out. I’m really grateful for them taking all the time and helping me with this new adventure in life.
Excellent experience start to finish ! I procrastinated for months before making a purchase. Nick was there every step of the way and answered every question quickly. When I finally decided to buy a truck, Nick took over and guided me through every step of the process, explained everything step by step and never left me wondering what was happening. Simple, quick, and flawless process. The guys in the title dept were the same. Very professional and helpful, efficient and polite. Great experience and I highly recommend !
I want to thank Patrick Smith and Nick Gilmore for there outstanding service in assisting me in buying a 2020 freightliner. They've made the process smooth and easy by keeping me informed with every step of the process. They were very informative and explain the contracts and options thoroughly. They were accessible whenever I needed help or an explanation. I look forward to working with these guys in the future. Thanks again.Shane cruz.
If you want the best service possible, then give TopMark Funding a call. Ask for Nick. I can't even begin to tell you how much they helped me achieve my dream of becoming a true owner/operator. You won't regret it!
I would like to take the time to express how refreshing it was to work with Trevor McKoy at Top Mark Funding. He was always professional, available, and accommodating each time we spoke while putting the package together for the equipment TopMark Funding provided financing. I have used several finance companies over the years to accommodate my financing needs and Mr McKoy by far was the best I've ever worked with. I recommend TopMark Funding, I will definitely use them again. Trevor, thanks for the excellent customer service and attention to details.
TopMark Funding has an awesome team and dedicated staff. I am very impressed by their hard work to get my truck financing done as quickly as possible. Nick Piring and Nick Gilmore did an extraordinary job keeping me informed about every step during the process. Absolutely I will recommend them and consider them for futures financially needs.Nick Piring, Nick Gilmore and the team, thanks for the experience.
I have bought multiple units working with Josh Woodwork, he’s consistently communicating every step of the way even beyond completion of the deal
Nick Gilmore did everything possible to help me get my first truck box, I’m more than satisfied and grateful with this company, 100% recommended.
Top Mark is definitely the place to get your financing. I can honestly attest they will fight for their clients tooth and nail... I was so lucky to have Dan Burden as my representative or this probably wouldn't be happening for me... He was a friend all the way through the process... He even found me a good deal on insurance which was very much needed... I will be coming back for sure!!!
Top Mark Funding were a pleasure to work with and kept me updated through the process and I highly recommend them!
My husband and I worked with Brian at TopMark. He was very efficient, responded very quickly (many times even over the weekend), and worked hard for us even through all the unexpected obstacles on our part. He made sure he communicated every step of the way and that we got everything done in a timely manner and everything was just as he promised. We greatly appreciate all of his help and hard work and would absolutely work with him again:).
I got the truck from a private person through financing! They have different programs where you can pay urgently and close the main debt. Thank you for your great service guys you did a great job 💪
Awesome experience buying a rollback. Thank you Daniel for being so kind and patient with me and my husband.
TopMark is the Best route to get commercial vehicle funding in 2024. I needed funding fast for my new box truck I wanted to purchase and the experts at TopMark delivered! My finance rep I was working with was Rob W and he was able to get me the amount I needed in the 1 week time frame I was working with. In the end I was approved and had the truck delivered by the end of that week. Very easy to understand process and full transparency from them the hole way.I highly recommend this place for any young motivated new business owners who don’t think there’s any real help for us out there. These guys got your back, they care about you and don’t just treat you like a number. Ask for Rob W and tell him Nick from 1010 Transportation sent you!
Very efficient attention to details, and thorough. Business loan processing expertise bar none,
Very Professional, Nick always answered all my questions on time! Really good company to finance commercial equipment!!
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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. 

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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!

Get a Quote Today

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!

Get a Quote Today

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!

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