Commercial Trucking Financing

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Keeping trucks on the road is the difference between a job won and a job lost. Our commercial trucking financing program helps owner-operators and fleets acquire the trucks they need — new or used — without tying up the working capital that keeps the rest of the business running. From a single box truck to a multi-unit fleet buildout, we structure terms around your routes, revenue, and growth plans.

What’s Included in Commercial Trucking Financing

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Flexible Loan Terms

Terms are structured around your haul cycles and cash flow, so payments support your business instead of straining it.

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New & Used Equipment Funding

Finance new trucks straight off the lot or well-maintained used units. We fund a wide range of makes, models, and mileage.

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Fast Approval Process

Apply in minutes and get a decision quickly — many drivers and fleet owners receive same-day approvals.

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Credit-Friendly Programs

We look beyond the credit score, with programs built for owner-operators building credit and established fleets alike.

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Nationwide Access

Whether you run local routes or cross-country lanes, our nationwide reach means consistent support wherever you're based.

Choosing the Right Financing Option

Our process is built to move at the speed of your business — transparent, responsive, and easy to follow from application to funding. Here's what to expect.

  1. Apply Online: Submit your application in minutes using our secure online form.
  2. Get Approved: Receive a fast decision — often the same day — based on your business profile and equipment needs.
  3. Sign & Fund: Complete simple documentation and access funding quickly so you can acquire your equipment.
  4. Ongoing Support: Reach out anytime with questions — our team is available to help.

Types of Commercial Trucking Financing We Provide

No matter what's in your fleet or what you're hauling, we structure financing around the specific truck type and how you use it. Explore the options below.

Box Truck Financing

Financing for local delivery, moving, and last-mile box trucks of every size and body length.

Cab & Chassis Financing

Funding for cab and chassis units ready to be outfitted for your specific vocational or upfit needs.

Day Cab Financing

Financing built for regional and local-haul day cabs that keep short-run freight moving efficiently.

Dump Truck Financing

Terms designed for the demands of construction, aggregate, and hauling operations that run dump trucks daily.

Flatbed Truck Financing

Financing for flatbeds hauling equipment, materials, and oversized loads across any route.

Refrigerated Truck Financing

Financing for reefer units that keep temperature-sensitive freight compliant from pickup to delivery.

Semi Truck Financing

Financing for tractors of every class, whether you're adding one unit or building out a fleet.

Sleeper Truck Financing

Financing for sleeper cabs built for long-haul drivers who live and work on the road.
  • How does commercial trucking financing work?

    Trucking financing lets you acquire a truck while spreading payments over time instead of paying cash up front. This protects your working capital for fuel, maintenance, insurance, and payroll. Our application process is fast, with many approvals coming the same day.

  • What credit score do I need to finance a truck?

    We work with a wide range of credit profiles and look at more than just the score. Many of our trucking programs are available starting around the mid-500s, and we can offer credit-building guidance if you're just getting started.

  • Can I finance a used truck, or only new?

    Both. We finance new and used trucks, including private-party purchases, across the truck types listed above, based on the age, mileage, and condition of the unit.

  • Do you finance owner-operators as well as fleets?

    Yes. We work with owner-operators financing their first truck as well as established fleets adding or replacing units, with terms scaled to fit either situation.

  • Which types of trucks can I finance with First Financial?

    We finance box trucks, cab & chassis, day cabs, dump trucks, flatbeds, refrigerated trucks, semi trucks, and sleeper trucks. If it keeps freight moving, we can likely finance it.