Truck, Trailer & Transportation Equipment Financing for Every Operator

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We finance transportation equipment the way the industry actually works — owner-operators building from scratch, fleets adding capacity, first-time buyers with no established credit, and experienced carriers who just want a better rate than their bank offered.

 

Whether you're purchasing a semi-truck, a dry van trailer, a refrigerated unit, a flatbed, or a specialty hauler, The Funding Booth has programs built for your situation.

Transportation Equipment We Finance

We finance new and used transportation equipment across every major category — with no mileage, age, or hours restrictions on used units, as long as the equipment is business-essential.

 

  • Semi-trucks and tractor units (Class 7 and Class 8)
  • Dry van, refrigerated, and flatbed trailers
  • Tanker trailers and specialty haulers
  • Dump trucks and vocational trucks
  • Box trucks, cargo vans, and sprinter fleets
  • Utility trailers and equipment transport trailers
  • Private-party truck and trailer purchases (minimum $20,000 transaction)

Financing Structures Built for the Transportation Industry

Transportation financing isn't one-size-fits-all. We offer multiple structures depending on your cash position, tax strategy, and how long you plan to keep the unit.

Equipment Finance Agreements (EFAs) and Loans

You own the equipment from day one. This is the most common structure for owner-operators and fleets who want to build equity in their units, and it works for both titled and non-titled equipment.

Commercial Leasing — $1 Buyout, FMV, and TRAC Structures

Leasing can preserve working capital and offer flexibility at end of term. TRAC leases are particularly common in the trucking industry for tax and fleet management purposes. We'll walk you through which structure makes sense before you sign anything.

Sale-Leasebacks

If you own a truck or trailer free and clear, a sale-leaseback can unlock the equity in that unit as working capital — without giving up the equipment. You sell it to the lender, lease it back, and keep operating.

Private Party Financing

Buying directly from another owner rather than a dealer? We finance private-party truck and trailer transactions that most lenders won't touch. Minimum transaction is $20,000.

Programs for Every Credit Situation — Including the Ones Other Lenders Turn Away

Most banks and direct lenders have a narrow approval window. If your credit profile doesn't fit cleanly inside it, they decline and move on. We don't operate that way.

 

We have programs for:

 

  • Day-one startups with no business credit history
  • Owner-operators with past bankruptcy — including recent filings
  • Applicants with no credit score or thin credit files
  • ITIN-only applicants with no Social Security number
  • Established operators looking for the most competitive rate available

 

If you've been turned down somewhere else, that's not the end of the conversation — it's usually where we start.

Meet the Voice Behind Our Trucking Division

Alex Mai — known in the trucking community as The MuthaTrucker — brings real-world credibility to everything we do in the transportation vertical. Alex has built an audience of owner-operators and fleet owners who trust his perspective because it comes from lived experience, not a finance desk.

 

When truckers come to The Funding Booth, they're not talking to someone who learned the industry from a brochure. That trust is something our competitors can't replicate.

 

Our truck and trailer financing inquiries are handled by Mark Corcoran, Finance Manager, who works directly with operators across the country. You can reach Mark at 561-208-5079.

How the Transportation Financing Process Works

Step 1: Submit Your Application

 

Fill out our online application — it takes a few minutes and covers the equipment you're purchasing, your business profile, and your credit situation. No tax returns or financials required for transactions up to $500,000.

 

Step 2: We Shop Your Deal Across Our Lender Network

 

We submit your file to the lenders most likely to approve your profile and structure. Because we work with many lenders, we can often find approvals — and better rates — that a single bank can't match.

 

Step 3: Review Your Options

 

We present your approval options clearly, with no pressure. You'll know the rate, term, payment, and structure before you commit to anything.

 

Step 4: Close and Take Delivery

 

Once you select your program, we handle the paperwork and coordinate funding. Vendors and dealers receive 100% prefunding before delivery — with no recourse back to the seller.

Ready to Finance Your Next Truck or Trailer?

We work with owner-operators, first-time buyers, and fleet accounts across the country. Whether your credit is strong or complicated, we'll give you a straight answer about your options and find the best available program for your situation.

Submit Your Application

Once you select your program, we handle the paperwork and coordinate funding. Vendors and dealers receive 100% prefunding before delivery — with no recourse back to the seller.

Why Owner-Operators and Fleets Choose The Funding Booth

  • Rates as low as 6%, terms from 12 months to 15+ years
  • Application-only approvals up to $500,000 — no tax returns or financials required
  • $0 down and deferred payment options available
  • Financing for first-time buyers, startups, past bankruptcy, and ITIN-only applicants
  • No mileage, age, or condition restrictions on used trucks and trailers
  • 1,000+ customers funded, $100M+ in total volume since 2018

    • Frequently Asked Questions

    • Can I get financed as a first-time truck buyer with no CDL history?

      Yes. We have programs specifically designed for first-time buyers, including those without an established credit history. The approval criteria vary by lender, but not having prior CDL or trucking business history alone won't disqualify you. We'll match you with the program that fits your profile.

    • Do you finance used trucks with high mileage?

      We do. We have no mileage, age, or condition restrictions on used transportation equipment, as long as the unit is business-essential. High-mileage trucks that banks decline are often still fundable through us.

    • What's the minimum I can finance?

      Our minimum transaction size is $5,000 for most equipment. For private-party truck and trailer purchases — where you're buying directly from another owner rather than a dealer — the minimum is $20,000.

    • Can I finance a truck if I've had a bankruptcy?

      Yes. We work with applicants who have past bankruptcies, including relatively recent ones. The terms and lender options will depend on the specifics of your situation, but a prior bankruptcy does not automatically disqualify you.

    • Do you offer ITIN financing for truckers without a Social Security number?

      Yes. We have ITIN-only programs for applicants who do not have a Social Security number. This is an area where most traditional lenders have no solution — we do.

    • How long does it take to get approved?

      Many applications receive a decision within 24 to 48 hours. More complex files — larger transactions, challenged credit, or specialty equipment — may take a few additional business days. We'll keep you informed throughout the process.