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Used Semi Truck Financing with Us

Get Financing Online

Man reviewing his tablet while leaning against a semi truck

Fleet Capital: Our Financing Partner

Fleet Capital, based in Westlake, Ohio, serves clients across North America. We specialize in providing unique funding solutions tailored to each client’s business needs.

Historically, commercial truck financing and heavy equipment financing has been unfamiliar and obscure, making it difficult for small businesses and semi truck owner operators to secure capital to grow their business. We are eager to simplify the process and provide transparent and competitive options.

Mack semi truck crossing a cable bridge

How It Works

Our finance process is fast and easy!

  • Apply with Sales
    Complete our online application. We review your submission and pair you with a lender to fit your situation. 
  • Get Approved
    We collect all necessary documents to secure financing with the lender.  
  • Get Funded
    All that’s left to do is sign the closing documents and drive away in your used semi truck.

Calculate Your Payment

Financing Options
$0,000 Estimated Monthly Payment
Truck Price$50,000
Down Payment$0
Amount Financed$50,000

What’s Next?

Apply Now

Semi Truck Financing FAQs

What equipment can I finance?

Currently, we have options for new and used commercial trucks, as well as used semi trucks with no age or mileage restrictions. Apply or contact us today to discuss your options.

Is it hard to get financed?

We make commercial truck financing easy by matching you with the best funding options tailored to you. Once you apply, we’ll have your options ready to review and discuss in a timely manner.

What credit score do I need for equipment?

We do not require a minimum credit score to provide you with individualized options! We work with the top lenders in the country who can help with any credit situation you bring to us. We will provide the best possible solution based on your unique situation.

How long can I finance equipment?

We offer heavy equipment financing for up to 60 months. Our average term length being 48 months.

Do you have financing options for start-up businesses?

Yes! We also have options for start-up businesses based on individual credit and experience in the industry.

Can I purchase with bad credit?

We do not require a minimum credit score! We work with the top lenders in the country that can help with any credit situation you bring to us.

What do I need to apply and be approved?

Each situation is different, but typically we will need a copy of your CDL and the most recent three months of business bank statements. If you can have that prepared, it will make the process easier!

How quickly will I get a response to my loan application?

You can expect a response within 24 hours of submitting your application.

Can I buy a truck with financing from my bank or credit union?

Absolutely! We have top-tier lenders available to help. You can purchase using cash or with your own financing.

What happens if I owe more on my truck than it's worth and I want to trade it in?

Our lenders work with this type of situation and will be able to come up with the best terms possible to fit your needs.

How are interest rates determined?

Most deals are Equipment Finance Agreements, which have finance charges and are rolled into fixed payments that you’ll make regularly (usually monthly).

What types of down payment methods are accepted?

Down payments are required to be in the form of Certified Funds.

When will my down payment be collected?

Down payments are collected at the time of purchase.

Is a down payment required to purchase a truck?

In most cases, yes. The lender determines if a down payment is required and how much it will cost to complete the deal. Down payments are determined on an individual basis.

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