Trailer Finance Programs
Trailer Finance Programs
Accepting A-D Credit 
Accepting A-D Credit 
Approving Startups 6 Months+
550 Minimum FICO Credit Score
Large Fleet Financing Available
Accredited business BBB logo
trucking companies

$750,000

Long Haul Trucking Company
trucking companies

$100,000

Small Fleet Trucking Company
manufacturing company

$350,000

Industrial Temporary Staffing Agency
invoice facotring security icon

$650,000

Invoice Factoring For Cyber Security Company

Financing Programs For Trailers

Approving A-D Credit
Consistent & Fast Funding
Wide Credit Score Range
Easy Application Process

Reefer, Van and Flatbed Trailer Financing

1st Commercial Credit can provide businesses with financing any type of new or used Dry Van, Refrigerated and Flat Bed Trailers. We can provide you the best rate and financing solutions with many options depending on your business qualifications.

We can offer Trailer Financing Rates starting at 8.9% to 14.9% for businesses over 2 years and good credit. We also offer financing solutions for newer companies under 1 year in business or have challenged credit but may require more down payment.

More Programs Offered by 1st Commercial Credit:
Type Of Commercial Trailer Trucks We Finance:
  • Dry Van
  • Refrigerated Trailers
  • Flat Bed Trailers

Trailer Finance Programs

We Offer Approvals for A-D Credits
8.9% to 14.9% On Approved Credit
Established Fleets And Businesses
2+ Years In Business
Have 10% Of Financed Amount
Application Only Up To 250k
0% To 30% Down Payment
640 Minimum FICO Credit Score
640+ PayNet Score
50% To 70% Comparable Debt
Last 3 Month Bank Statements
No Sole Props
Challenged Credit Program
Minimum 6 Months In Business
Must Have 10% Of Financed Amount
Monthly Revenue 75% Of Finance Amount
30% To 40% Down Payment
550 Minimum Credit Score
PayNet Score Not Considered
Flexible In Comparable Debt
Last 3 Month Bank Statements
No Sole Props
2+ Years In Business
Have 10% Of Financed Amount
Application Only Up To 250k
0% To 30% Down Payment
640 Minimum FICO Credit Score
640+ PayNet Score
50% To 70% Comparable Debt
Last 3 Month Bank Statements
No Sole Props
Minimum 6 Months In Business
Must Have 10% Of Financed Amount
Monthly Revenue 75% Of Finance Amount
30% To 40% Down Payment
550 Minimum Credit Score
PayNet Score Not Considered
Flexible In Comparable Debt
Last 3 Month Bank Statements
No Sole Props
Mileage Restrictions:
→ 500,000 Miles: - 2.5 to 3 years term 
→ 400,000 Miles: - 4 to 5 years term
→ 300,000 Miles: - 3 to 4 years term
→ 200,000 Miles: - 5 to 7 years term
If This Finance Program Fits You, Pre-Qualify Below
GET THE FUNDING YOU NEED IN JUST A Few DAYS!
Click Here To Pre-Qualify
More Programs Offered by 1st Commercial Credit:
1st Commercial Credit's financing programs involve the following steps:
1

Applications
In Minutes

2

Credit Decision
In Hours

3

Electronic Documents
Signed

4

Another Deal
Closed

Call Now 1 (800) 876 6071pre qualify now

OTR TruckStarter® Program

New Business/Challenged Credit - Parameters for Approvals on OTR equipment
Why Choose Our OTR TruckStarter® Equipment Finance Program?

1st Commercial Credit has designed a new offering for newer or credit challenged trucking companies. When an applicant does not meet the requirements for our A through C credit programs, we have available OTR TruckStarter®. It offers more flexibility in approving trucking companies under 1 year in business and helps build business credit. Some trucking company owners have good credit score but not enough comparable debt.

$35,000 - $500,000
Must have MC Authority or DOT
Last 3 months bank statements
Have at least 10% of the financed amount
30% to 40% down payment
Flexible in Comparable Debt
Auctions can be approved
550 Minimum FICO Credit Score
Semi Trucks Age up to 5 Years
Business Owner must be involved
2 years experience
No CDL required
Business – Corp, LLC (No Sole Props)
Private party transactions accepted
Mileage Restrictions:
→ 500,000 Miles: - 2.5 to 3 years term 
→ 400,000 Miles: - 4 to 5 years term
→ 300,000 Miles: - 3 to 4 years term
→ 200,000 Miles: - 5 to 7 years term
If This Finance Program Fits You, Pre-Qualify Below
GET THE FUNDING YOU NEED IN JUST A Few DAYS!
Click Here To Pre-Qualify

Industries We Finance:

Semi truck financing
Semi-Truck
Trailer financing
Trailers
Box truck financing
Box Truck
More Programs Offered by 1st Commercial Credit:

1st Commercial Credit will evaluate your funding request based on your company’s monthly revenue, time in business and the equipment you will be purchasing or leasing.

1st Commercial Credit will evaluate your funding request based on your company’s monthly revenue, time in business and the equipment you will be purchasing or leasing.

  • Condition of the trailer: We will review the make, model, vin/serial number, previous accidents reports, age, history, pictures and current valuations.
  • Trailer vendor: We are flexible in adding new trailer vendors all the time. We prefer funding to reputable trailer dealers, as opposed to a private party from an individual. We will consider a private party sale from reputable trucking fleet companies that can demonstrate a historical service and maintenance record of the trailer.
  • Credit scores: Trade business credit score, as well as your own personal credit history, will be reviewed. We have programs for all type of borrowers regardless of your credit score, even with bad credit. The most important is you can show that you have had consistent monthly revenue in your business and can maintain recurring sales for at least the last 6 months.
  • Proof of down payment: We will need to know if you have enough cash available to pay for the down payment as well as meet other expenses. If you plan to finance $50,000 dollars, it is suggested that you have at least 10% ($5,000) of the finance amount for cash flow purposes and at least a down payment for your insurance. Depending on your used trailer purchase cost, credit and time in business, a down payment averages 10% to 30% to meet the loan to value ratios.
  • Time in business: It is important to have detailed financials if your business is under 2 years of operation. We would like you to demonstrate that you can run a profitable business and have saved up some money for future repairs, tires, insurance and trailer payments. Trucking companies with over 2 years of historical data are easier to approve, however they still fall under the same criteria in profitability and set-aside cash flow.
  • Trailer insurance: We will require insurance on the trailer for property damage and liability for at least 1 million.
  • Other documents: Typical documents we ask for are to provide proof of business, tax returns, profit and loss statements, balance sheets, bank statements, as well as permits and insurance.
Accounts receivable financing for manufacturing Illinois businesses

The commercial trailer and trucking business has unique financing requirements when it comes to loans or leasing trailers for fleet owners.

1st Commercial Credit has seasoned experts in the commercial truck and trailer financing industry to get you the monthly payments you can afford. Enjoy an affordable payment, increase your monthly cash flow, and adding more profit to your business are our goals.

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