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First Capital Business Finance

Commercial & Semi Truck Financing

Commercial Truck Financing Can Be Fast and Simple With the Right Provider.

Trucking is a vital industry that continues to increase in importance in our modern world. If you’re thinking about starting your own trucking business, you may need cash to begin the process. Commercial truck financing is an ideal solution in this situation, and our team at First Capital Business Finance offers this type of financing to clients.


How Does Commercial Truck and  Semitruck Financing Work?

To operate a trucking business, you need at least one reliable vehicle and a driver who can drive it. Most trucking companies begin with one semitruck, which can carry a significant load to get the business started and earn a profit. If you have more than one driver available, you might choose to invest in multiple semi trucks to meet demand.

Commercial truck financing provides you with cash that you can use to buy one or more new or used semi trucks. This type of loan is referred to as a secured loan because it uses the vehicle purchased as collateral. A secured loan can typically qualify for a lower interest rate than an unsecured one, and commercial truck financing often doesn’t have stringent personal credit requirements. Those with good credit, bad credit, and even no credit may qualify for this type of loan. 

Investing in a  Commercial Trucking Business

One of the most significant investments made into a trucking business is the cost of a usable vehicle. A semitruck can cost anywhere from $40,000 to a quarter of a million dollars. But a truck is necessary when providing valuable transportation services that people rely on every day. Our financial team can quickly determine what you can qualify for and pre approve you for commercial truck financing. 

We specialize in commercial vehicle financing and have a wide variety of programs. These offerings include good and bad credit, startup companies, and already established businesses. Even if you have had a recent bankruptcy or late payments on your account, you may still qualify for financing. If your bank can’t get you approved for financing, give us a call. One of our financial advisers will be able to assist you. 

White Semi Truck

Who We Finance

  • Owner Operators
  • Start-Ups
  • Existing Transportation Companies
  • Private Party & Vendor/Dealer Sales
  • Fleet Owners
  • All industries

Trucks and Equipment We Finance

Bad Credit or Can’t Provide Financials? Not a Problem!

If you’ve experienced a recent bankruptcy, slow payments, previous repossessions, and low credit score, look no further than First Capital. We don’t require financials or tax returns, and we offer no-money-down programs. You also don’t have to worry about CDL programs.

Commercial and Semi-Truck Financing Programs

Bad Credit & Average Credit Programs (Start-Ups & Existing Businesses)

Lowest Down Payment Option:

  • Two months payments due at closing – 10k to 50k
  • 540 Credit
  • Start-Ups Ok
  • Must provide 2 years personal/business tax returns
  • No Age Limit
  • Max 750k miles
  • Sleepers & Day Cabs

Lowest Down Payment Option:

  • One to two months payments due at closing, $10K to $100K.
  • 600 Credit w/ good payment history
  • Startups are OK with limitations on finance amount.
  • No age and mileage restrictions.
  • Short-haul only (long Haul: fleet reqs.).

Lowest Down Payment Option:

  • One to two months payments due at closing, $10K to $100K. 
  • 620 credit w/ good payment history.
  • Two years in the business.
  • Needs a fleet of two.
  • No age and mileage restrictions.
  • OTR is OK.

Moderate Down Payment Option:

  • 25% – 50% down payment , $10K to $55K.
  • Day cabs or sleepers.
  • 2013 or newer.
  • Under  650k miles.
  • No private party sellers.

Large Down Payment Option:

  • 50% down, $10K to $50K K.
  • No minimum credit score.
  • Any age or mileage.
  • Previous Bankruptcy is OK.
 *** All programs and guidelines are subject to change.  For more accurate qualifications,  please call 888-565-6692 and speak to one of our advisors***
Online Card Payment

Good Credit & Average Credit Programs (Start-Ups & Existing Businesses)

Lowest Down Payment Option:

  • One to two months payments due at closing, up to $50K.
  • 620 credit w/ good payment history.
  • Day cabs or sleepers.
  • Single state plates (larger finance amounts available with a longer time in business).


Moderate Down Payment Option:

  • One to two months payments due at closing, up to $50K.
  • 620 credit w/ good payment history.
  • Day cabs or sleepers.
  • OTR OK.
  • Two years in business and must have a fleet of at least two trucks.
  • Larger finance amounts are available with longer time in business.


Moderate Down Payment Option:

  • Zero to 10% down payment due at closing, up to $75K.
  • 670 credit.
  • Three years in the business.
  • Must be a homeowner.


Moderate Down Payment Option:

  • 2.5% to 10% down payment due at closing, up to $150K.
  • 650 credit.
  • Startups have different guidelines.
First Capital Business Finance

Same Day Loan Approval

Getting the loan you need is simple. Contact us & you can get prequalified for your loan on the same day!

Step 1

Reach out to us via phone or the contact form on this website.

Step 2

We'll contact you to get the information we need to process your loan.

Step 3

You'll receive a decision on your loan shortly (typically the same day).

Title Loans For Semi Trucks and All Commercial Trucks

For more information about our title loans on commercial trucks & trailers CLICK HERE

To learn more about the benefits of financing your next semi-truck purchase CLICK HERE

Or, to learn about what to look for in commercial truck financing companies CLICK HERE

*Please note, programs & guidelines are always subject to change. Please call and ask to speak to one of our advisors to be prequalified.

Misc Waste Management Equipment

  • Vertical Cardboard Baler
  • Vertical Compactors
  • Container Delivery Trailers
  • Heavy Duty Roll-Off “Dead PUP” Trailers
  • Light & Medium Duty Roll-Off Trailers
  • Commercial Trash Compactors
  • Self-Contained Compactors
Waste Containers/Trash Cans


What Our Customers Say

Financing in Dallas, TX 6

Title Loans For Semi Trucks and All Commercial Trucks

These are just to name a few. If you don’t see your type of equipment listed, simply give our office a call. We offer financing on just about any type of equipment if it’s related to your business.

Same Day Loan Approval