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Equipment Financing for Trucking and Transportation
Trucking & Transportation Equipment Financing
Over 3,600+ clients funded
Reliable consistent funding
Easy application process
Same day funding
We Make Equipment Financing for Trucking and Transportation a Simple Process
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Fast Equipment Financing Approvals For Trucking And Transportation Businesses

Financing Equipment From
Consistent & Fast Funding
Wide Credit Score Range
Easy Application Process

Transportation Equipment Financing Solutions To Businesses

1st Commercial Credit finances most types of vehicles and over-the-road equipment. By using a loan to buy equipment, you can ensure you have enough funds to continue expanding your transportation operation. Equipment finance agreements (EFA) are an excellent way to grow your business without significant out-of-pocket expenses.

1st Commercial Credit can help equipment vendors and buyers with our equipment financing services. We are happy to serve vendors and buyers across a wide range of transport industries, including regional vocational transportation and over-the-road (also known as long haul) trucking.


Equipment Finance Calculator

Type the amount to be financed here (Amount: $10,000 - $15,000,000)



What's your estimated credit rating?


Score 740

& above

Score 740 & above



670 - 739

Score 670 - 739



580 - 669

Score 580 - 669



550 - 580

Score 550 - 580

That's all the information we need!

Select a term option below to apply.

2 years

3 years

4 years

5 years

6 years

7 years

All applicants’ and their principals’ and all guarantors’ credit will be reviewed before 1st Commercial Credit offers a financing contract. The payment amounts provided by this Digital Calculator are not an offer and may be changed after the full credit review.

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Finance amount

Loan Term

Monthly payment

All applicants’ and their principals’ and all guarantors’ credit will be reviewed before 1st Commercial Credit offers a financing contract. The payment amounts provided by this Digital Calculator are not an offer and may be changed after the full credit review.

Here's what you can expect:

This application takes about 3-5 minutes to complete

Share your business information so we can do a credit check

Our credit check is a soft pull which means it won’t affect your credit rating

Upon completion, a 1st Commercial Credit representative will contact you with available options

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If you are a vendor who is not already offering equipment financing to your customers, you may be wondering what the benefits are. To demonstrate how advantageous trucking and transportation equipment finance programs are for business owners, there are currently 80% of companies already taking advantage of this service.

When it comes to equipment leasing or loans with 1st Commercial Credit, there are a few things to consider. First of all, you will receive an approval the same day and funding within 24 hours. 

Industries We Finance:

Semi-truck financing
Trailer financing
Box truck financing
Box Truck
Trucks transportation equipment leasing

Nevertheless, that isn’t the only benefit that you and your clients will experience. Equipment leasing or financing brings an overall faster sales cycle. Your customers won’t have to wait until they can find enough capital to purchase the equipment outright, which will only improve your cash flow.

We understand that the transportation industry is very diverse, so we offer various types of loans to fulfill the needs of all of our customers. By utilizing our loans, you will be able to finance forklifts, box trailers, work trucks, reefer trailers, and many other types of vehicles.

We offer transportation equipment financing solutions to businesses turned away from traditional bank lending options and sometimes even other equipment lenders. If your company seeks a financing alternative to bank financing to get new or used transportation-related equipment and machinery, 1st Commercial Credit has the solution.

We will work with your business situation to help structure a competitive financial solution. The trucking and transportation industry plays a vital role in the supply chain. However, the purchase and maintenance of equipment in this particular industry can be costly.

Trucking and transportation businesses can use the funds provided by equipment financing to obtain the following financed assets:

  • Tractors
  • Trailers
  • Refrigerated vehicles
  • Delivery trucks
  • Semi-trucks
  • Low- and flat-bed trailers
  • Heavy equipment haulers

And many more!

Reasons To Choose Equipment Financing

There are many benefits associated with EFA’s. An applicant can expect full equipment finance support from lenders for financing equipment and tools. In addition, another substantial reason that proves turning to a transportation equipment company makes more sense fiscally is being able to retain cash reserves.

1st Commercial Credit strives to offer customized solutions to fulfill business needs without making it a complicated and time-consuming process for transportation companies. The financing will promote the growth of the business.

The lending programs assist the specialized industries by providing funding that is often difficult to get from traditional lenders. In addition, trucking companies with challenged credit can apply to our OTR TruckStarter® program, which is ideal when an applicant does not meet the requirements for our A through C credit programs. This program offers further flexibility in approving trucking companies with less than one year in business and helps them build business credit. Some trucking business owners might have a decent credit score but not enough comparable debt, resulting in OTR truck starting financing being a better option.

Benefits of equipment financing include:

  • Improved cash flow and working capital
  • Better management of bank agreements
  • Better financial ratios
  • Delivery trucks
  • Retention of capital to fuel other business growth areas and to invest in other projects
1st Commercial Credit's financing programs for vendors involve the following steps:

In Minutes


Credit Decision
In Hours


Electronic Documents


Another Deal

Call Now 1 (800) 876 6071pre qualify now

Additionally, qualifying equipment can be eligible for the IRS Section 179 deduction, which allows tax filers to deduct the cost of financed or purchased equipment in its first year. This deduction saves on the depreciation over a longer time. Business owners can unlock savings by subtracting the total purchase cost of equipment up to $1,000,000 from the gross income for the given year.

We offer unparalleled service and industry experience. The loan programs are customized for the needs and equipment required for the business to work efficiently. EFA’s provide flexibility, and a financing amount can range between $10,000 and $15 Million. Additionally, the repayment plans can go from 24 to 72 months. The service is streamlined with simple applications along with fast decisions. Whether your business needs to increase production capacity, efficiency, or quality, new or updated equipment may be required.

Transportation equipment financing

In this situation, you could benefit significantly from equipment financing. Equipment financing will allow you to upgrade, or replace existing equipment. Some companies benefit more than others from this kind of additional working capital, and it is crucial to find out if this solution is right for your transportation business.

Working capital preservation and exposure to possible obsolete and outdated equipment and tools are constant concerns for the transportation and logistics industry. For more details about how our equipment financing can benefit the transportation industry, please call us today!

Benefit From 1stCC Fuel Card Program

If you’re an individual carrier or a fleet manager, you can begin taking advantage of the many benefits of a trucking fleet fuel card. In a constantly evolving sector, you must find the best way to get the best price on fuel while protecting yourself from fraud. Joining a fuel card program will help your business focus more on the task at hand and less on your bottom line. With a fuel card, trucking companies receive a discount on diesel to purchase fuel through specific merchants.

The trucking industry is competitive and costly. Truck drivers can make the most of their operation through fuel card programs while saving money. If your fleet hasn’t signed up for a fuel card program, you might be missing out on many savings and opportunities!

1st Commercial Credit Provides Asset Based Lending, Purchase Order Financing and Factoring to all States: