Trucking business loans 2026 — financing that fits the industry.
Rankings based on speed of funding, approval rates, transparency of terms, customer experience, and total cost. Updated annually.
Finance new or used Class 8 trucks up to $250K. 60-month terms.
Requirements: 6+ months trucking, 550+ FICO
Same-day or next-day funding on loads. 92-95% advance rates.
Requirements: Active trucking authority
Cash for repairs, fuel, IRP, IFTA, insurance.
Requirements: 6+ months OO, 500+ FICO
Fund 2-50 truck fleet expansions with consolidated terms.
Requirements: Established fleet, multi-truck history
Combined fuel card discount + factoring for cash flow + cost savings.
Requirements: Active trucking
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