Commercial Trucking Business Loans

Drive your business to success with commercial truck loans

National Funding Card National Funding Card

Have Your National Funding Card? Get Started.

Ready To Move Your Business Forward?

Fields marked with an * are required

The estimated sales your business generated in the last 12 months.

What's This?

Click your estimated annual gross sales

By clicking this box, I agree to National Funding’s Privacy Policy.
By continuing I agree to all terms and conditions

Terms & Conditions

General Acceptance

Any applications submitted electronically shall have the same force and effect as if the application bore an inked original signature(s). The above information, together with any accompanying financial statements, schedules, or other materials, is submitted for the purpose of obtaining credit and is warranted to be true, correct, and complete.


US Patriot Act:

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person and business that seeks a business loan. What this means for you: When you apply for a loan, we will ask for your business name, address, and Tax Identification Number. We will also ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.


For Loan/Merchant Services:

The Merchant and Owner(s)/Officer(s) identified in the application (individually, an “Applicant”) each represents, acknowledges and agrees that (1) all information and documents provided to National Funding, Inc. (“NF”) including credit card processor statements are true, accurate and complete, (2) Applicant will immediately notify NF of any change in such information or financial condition, (3) Applicant authorizes NF to disclose all information and documents that NF may obtain including credit reports to other persons or entities (collectively, “Assignees”) that may be involved with or acquire commercial loans having daily repayment features and/or Merchant Cash Advance transactions, including without limitation the application therefor (collectively, “Transactions”) and each Assignee is authorized to use such information and documents, and share such information and documents with other Assignees, in connection with potential Transactions, (4) each Assignee will rely upon the accuracy and completeness of such information and documents, (5) NF, Assignees, and each of their representatives, successors, assigns and designees (collectively, “Recipients”) are authorized to request and receive any investigative reports, credit reports, statements from creditors or financial institutions, verification of information, or any other information that a Recipient deems necessary, (6) Applicant waives and releases any claims against Recipients and any information-providers arising from any act or omission relating to the requesting, receiving or release of information, and (7) each Owner/Officer represents that he or she is authorized to sign this form on behalf of Merchant.(8) I consent to receive direct mail, faxes, text-messages, and e-mails sent by National Funding and its affiliates for the purposes of transmitting account updates, requests for information and notices, and (9) this request is for business and not for consumer purposes.


For Equipment Services:

I hereby certify: (1) the information provided is true and correct, (2) you are hereby authorized to investigate all bank, credit, and trade references, and said references are hereby authorized to release any requested information to you or your nominee, (3) such authorization shall extend to obtaining personal credit profile in considering this application and subsequently for the purposes of update, renewal or extension of such credit or additional credit and for reviewing or collecting the resulting account, (4) this information may be transmitted by us to you and by you to underwriter(s) for the purpose of granting me credit, either electronically or manually, and that by submitting this application, I take full responsibility for transmission thereof, (5) I am over 18 years of age, (6) I acknowledge my rights under the Fair Credit Reporting Act, (7) I consent to receive direct mail, faxes, text-messages, and e-mails sent by National Funding and its affiliates for the purposes of transmitting account updates, requests for information and notices, and (8) this request is for business and not for consumer purposes.


Text Messaging:

By providing my wireless phone number to National Funding, Inc., I agree and acknowledge that National Funding, Inc. may send text and multimedia messages to my wireless phone number for any purpose. I agree that these text or multimedia messages may be regarding the products and/or services that I have previously purchased and products and/or services that National Funding, Inc. may market to me. I acknowledge that this consent may be removed at my request but that until such consent is revoked, I may receive text or multimedia messages from National Funding, Inc to my wireless phone number.

The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status or age (provided the applicant has the capacity to enter into the binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. If for any reason your application for business credit is denied, you have the right to a written statement of the specific reasons for the denial. To obtain the statement, please write to National Funding Inc., 9530 Towne Centre Drive, San Diego, California 92121. Funding amount and credit approval is subject to a full credit profile review.

Types of Trucking Loans

Small Business Loans

Small Business Loans

Secure operating capital
for daily expenses, materials,
payroll and more.

$5,000 to $500,000

Learn More

Equipment Financing and Leasing

Equipment Financing
and Leasing

Purchase or lease equipment
for your trucking business.

Up to $150,000

Learn More

How Commercial Trucking Business Loans Help You

Staying organized, keeping trucks on the road, and hiring a staff of committed drivers are all essential parts of running a successful commercial trucking business. But, every aspect of business requires flowing capital to keep things moving. Trucking financing can help provide that capital to keep moving, regardless of your credit score.

Because almost every business relies on the trucking industry to move products across the country, so it’s in your interest vital to position your business to take advantage of the current demand for trucking services. To gain a competitive edge, you’ll need the financial resources to maintain a fleet of trucks and drivers, while keeping your logistics programs up to date. We recognize this is no easy task, so we provide commercial truck loans to give you the funds to buy, maintain and manage the truck fleet necessary for your company’s ultimate success.

Strengthen the business you already have or scale your trucking initiates with financing from National Funding.

Keep Trucks on the Road

  • Commercial truck loans can be used to pay for maintenance costs to keep your fleet functional
  • Repair the trucks in your fleet using loan funds for common fixes, such as worn-down tires and other equipment

Cover Administrative Costs

  • Commercial truck loans can be used to pay for the registration and certification of your fleet of trucks so they stay compliant with trucking laws
  • A truck loan can cover the cost of insurance for your physical trucks and business with trucking business loans

Hire and Train Competent Drivers

  • Commercial truck loans allow you to hire more CDL drivers when demand goes up
  • As your most important asset, you should invest in your drivers with training courses and safety seminars. A loan can support initial training that gives safety payoff for years to come.

Add Trucks to Expand Your Business

  • Commercial truck loans give you the chance to finance or lease new or used trucks for your fleet
  • Expanding the trucks in your fleet allows you to take on more business and make more efficient deliveries

What are the Benefits of a Commercial Truck Loan?

A commercial truck loan can provide you with funds to help you improve your business. The benefits of commercial truck loans are:

Preserves Working Capital

A commercial truck loan can help you preserve your working capital by providing cash flow to use towards maintaining your vehicles, purchasing truckers’ equipment, fueling up, and other essential trucking expenses. Extra capital also goes a long way for peace of mind in the event of an unforeseen accident.

Improves Competitive Edge

By providing your trucking business with funds to help you purchase, maintain, or improve your trucks, a commercial truck loan allows you to take your business to the next level. These truck loans allow you to worry less about finances and focus more on the important aspects of your business to help you become more profitable and competitive in your every industry.

A Variety of Financing Options
Going with a commercial trucking business loan instead of a traditional loan will allow you to have more financing options and flexibility with your financial arrangements to best meet your business needs. Working with trucking financing companies to obtain the right loan will provide better, more customized options to best help your business thrive.

How Do I Get a Commercial Trucking Business Loan?

And how do small business loans for owner operators work?
Applying for a trucking business loan has never been easier…

How to Apply

How to Apply

What Customers Are Saying

Ron Beatty

Ron Beatty, Owner

Beatty Lawn & Tree Service

Knowing how hard it had been trying to secure small business loans in the past, this family-owned business sought out National Funding thanks to its reputation for accessible, hassle-free loans. Being able to purchase new, reliable equipment was a critical component for this growth business, and National Funding helped them make it happen.

Why National Funding?

As a trucking business owner, you know that securing commercial truck financing for purchases or logistics software isn’t always easy. Many traditional lenders tend to shy away from providing funds to the trucking industry. At National Funding, we’re committed to helping truckers and fleet managers get the most out of their business. We won’t make you wait weeks to learn if you’ve been approved or not. In fact, we make getting started simple with an online application.

We Know Trucking Businesses

Experience supporting trucking business owners

Trusted by Businesses Like Yours

Over $3 billion in funding to more than 50,000 businesses nationwide

Personalized Experience

Lending solutions and payment options tailored to your specific needs

Fast & Easy Application Process

No-cost, no-obligation application with funding in as few as 24 hours1

Loan Specialists Who Care

Experienced Loan Specialists help you make the right decision in the trucking industry

Worry-Free Lending

No collateral requirements, plus simple, automatic payments

Trucking Business Resources

Running your trucking business requires you to stay organized and be ready to make decisions at any time. You never know what’s going to happen when your drivers set off to make a delivery. Foul weather or unexpected delays can cause a lot of stress on your trucks and your company. Luckily, commercial truck loans and other financial management practices can help you keep the financial side of your business under control. We’ve provided you with a few tips and resources to help you keep your trucking business moving.

How Expanding Your Truck Fleet Can Lead to Business Growth

How Expanding Your Truck Fleet Can Lead to Business Growth

Adding another truck to your fleet may sound like an unnecessary expense. After all, new commercial trucks are expensive. You’ll need to hire a new driver as well, which just adds to the expense. However, increasing the number of trucks in your fleet has its upsides. Read this article to learn how adding more trucks can actually lead to business growth.

Read More

3 Smart Ways to Invest Your Small Business Trucking Loans

3 Smart Ways to Invest Your Small Business Trucking Loans

Trucking business loans offer owner operators and fleet managers the chance to put cash towards business needs. If you’re thinking about a trucking business loan for your company, consider how you want to invest it. Check out these three tips on different ways you can improve your business by utilizing a truck loan.

Read More

Could I Owe Taxes for Selling Used Trucking Equipment

Could I Owe Taxes for Selling Used Trucking Equipment

If your trucking business has an older truck that it doesn’t need, or heavy equipment it’s no longer using, it may make sense to sell it. You might have upgraded your fleet for newer commercial trucks and now need to get rid of the old ones. This post will walk you through the tax implications of selling used commercial trucks and equipment.

Read More

Frequently Asked Questions

Deciding what is best for your trucking business can be tricky, but it doesn’t have to be intimidating. Here are some frequently asked questions to consider before making the decision to apply for a commercial truck loan. If you have additional questions, our Loan Specialists are here to help.

What is a commercial truck business loan?

A commercial truck business loan provides funding for trucking companies or companies that use trucks for their business. This loan can be used towards purchasing or financing new trucks, maintaining trucking equipment, or hiring new truck drivers.

The term, or length of time to repay, for a commercial truck loan varies depending on the loan type, loan amount, and business. Our Loan Specialists will work with you to determine what loan term is best for you and your business needs.

National Funding is an alternative lender that has more flexibility when it comes to lending, including looking past credit scores. Since National Funding looks at more than just your credit score, no specific credit score is required to qualify for a commercial truck loan. Even those who feel they have a bad credit scores are considered because we look at your business financing and business potential for qualifications for a loan, not just old history. Apply today to see what our Loan Specialists determine is best for you and your commercial trucking business.

Ratings & Reviews

We are very proud of what our customers are saying on TrustPilot.


Legal Disclosures

True to our mission, we encourage you to read the following policies and learn how they affect you as a client.


(1) 24 hours:

Fast approvals and 24 hour funding subject to receipt of required documentation, underwriting guidelines, and processing time by your bank. Funds are deposited into your business checking account as soon as the next business day after approval and acceptance of terms.


(2) Early payoff discounts:

National Funding offers special opportunities for its customers to terminate contracts early and receive a discount in the process.  Equipment Finance customers who pay off the total remaining balance early,  at any point during the contract, will automatically receive a 6% discount off the total remaining balance.   Working Capital customers who pay off the total remaining balance in full within the first 100 days of the contract will automatically receive a 7% discount off the total remaining balance.  We do not currently offer a discount on our lease contracts. Customers must pay off the balance in full, be current, and in good standing to take advantage of the discount within the time parameters.


(3) Automatic payments:

Loan payments are withdrawn via Automatic Clearing House (ACH) Monday through Friday excluding bank holidays.


(4) Wide variety of payment options:

  • Equipment Financing: payments are remitted monthly with terms of 2-5 years
  • Working Capital Loan: payments can be remitted daily or weekly with terms of 4 months up to 24 months


(5) Potential Tax Savings:

The Section 179 Tax Deduction allows businesses to deduct the full purchase price of qualifying equipment and/or software purchased or financed during the tax year. Meaning, if you buy (or lease) a piece of qualifying equipment, you can deduct 100% of the purchase price from your gross income. You can secure the equipment, tools, and technology you need, while also taking advantage of significant tax deductions - up to $1,000,000. Consult your tax professional for more details.


(6) Guaranteed lowest payment:

Pursuant to the terms and conditions specified in these Rules and Restrictions of the Guaranteed Lowest Payment, National Funding guarantees to provide the lowest payment on equipment leased through National Funding, for lease terms from 24 to 60 months, or to pay $1000 towards qualifying executed leases. Lease payment comparisons must be based on a lease in excess of $10,000, for approved equipment, and with the same terms and conditions as those offered by National Funding within seven days that the National Funding terms are issued. To be eligible, customers must provide a competitive lease quote without contingencies, and vendor invoice, and in the name of the lessee within seven calendar days of the date National Funding issues its terms. Guarantee only valid on competitive equipment leases. Equipment finance agreements do not qualify.

In the event that the monthly lease payment amount from the competing lease company or bank is lower than the monthly payment that is being offered by National Funding for the same equipment and pursuant to the same terms, National Funding will verify the validity and accuracy of the competing leasing company’s or bank’s payment options, terms and the vendor quote. National Funding has the option, in its sole discretion, to either beat the competing leasing company’s or bank’s monthly payment rate, or pay $1000 to the lessee. The lessee must provide National Funding with the competing company’s or bank’s signed lease agreement with payment terms/options, and take delivery of the equipment. Payments will be made within 30 days, and lessee is responsible for any taxes.

The Guaranteed Lowest Payment is available to both new and established customers of National Funding. This offer is valid for new lease applications only. The Guaranteed Lowest Payment is not retroactive — a previously funded equipment lease with National Funding is not eligible for the Guaranteed Lowest Payment. Only non-contingent offers of lease terms and payment are eligible. Offers made to lessee that include subsidization by manufacturers and/or vendors will not be considered in comparing competing offers.

The Guaranteed Lowest Payment may be discontinued at any time without notice.

To participate in the Guaranteed Lowest Payment program, if you have a lease agreement and vendor quote which you believe will qualify for the program, contact your National Funding Lease Manager.


(7) Terms and Conditions apply:

This is not a guaranteed offer of credit. Loans subject to lender approval. Approval amount is based on eligibility determined by information obtained from Dun & Bradstreet. Actual eligibility may vary. Restrictions may apply. Application is subject to approval by the lender and is based on factors such as business type, time in business, annual sales, average bank balances, personal credit and other variables deemed relevant by the lender.