Empowering Small Businesses to grow with affordable monthly payment loans with or without Small Business Administration (SBA) Guarantees.
  • Marketplace for Trucking Financing

Fast Approvals for Trucking Business Loans

Apply once and get matched with 35 SBA-approved lenders. We make securing capital for your trucking business simple, fast, and stress-free.
Get Started Today

What Are Trucking Business Loans?

Running a trucking company requires constant capital. Trucking business loans are specialized financial products designed to help owner-operators and fleet managers maintain steady cash flow.

Unlike traditional bank loans that may decline you for industry risk, our SBA-backed options are tailored for logistics. Whether you need to:

  • Repair a rig
  • Cover insurance premiums
  • Hire new drivers

These loans offer the flexibility your business demands.

How Commercial Truck Financing Works

Commercial truck financing isn’t just for purchasing new semi-trucks. It is a vital tool for growth. You can use funds for:

  • Buying new or used trucks and trailers
  • Expanding your fleet to take on more routes
  • Covering emergency repairs and maintenance
  • Managing fuel costs and payroll gaps

We make the process of securing commercial truck financing simple so you can focus on the road, not the paperwork.

What You
Can Finance
From expanding your fleet to keeping the lights on, our lenders cover every aspect of the trucking business:

Commercial Vehicles

Finance new or used semi-trucks, box trucks, dump trucks, and sleeper cabs from dealerships or private sellers.

Trailers & Equipment

Get funding for flatbeds, reefers, dry vans, tankers, and specialized heavy-haul trailers.

Repairs & Maintenance

Cover engine overhauls, transmission replacements, new tires, or bodywork to keep your fleet on the road.

Operating Costs

Secure working capital for fuel, insurance down payments, IRP registration, and driver payroll.

Why Choose SBA-Express for Trucking Loans?
We streamline the lending process so you can get back to moving freight.

One Application, 35 Lenders

Submit a single application and access a massive network of SBA-approved lenders.

Faster Approval Chances

Our matching technology connects you with lenders specifically looking to fund trucking business loans, increasing your odds of approval.

Expert Industry Support

Get guidance from specialists who understand commercial truck financing and the unique challenges of the logistics industry.

Industry-Based Matching

We filter out lenders who don’t work with trucking. You only deal with partners ready to support your business model.

Flexible Loan Options Available

We offer a variety of trucking business loans to suit your specific needs, from daily operations to major expansion.

Who This Is For

Our platform supports a wide range of trucking professionals looking for reliable commercial truck financing:

  • Owner-Operators
  • Fleet Owners
  • Logistics Companies
  • New Trucking Startups
Types of Loans Available

SBA Express Loans

Fast turnaround times for amounts up to $500k. Ideal for working capital.

Equipment & Fleet Financing

Secure funding specifically to purchase new or used trucks and trailers.

SBA 7(a) Loans

The gold standard for large capital needs up to $5M. Great for fleet expansion.

Business Lines of Credit

Flexible access to cash for fuel, repairs, and unexpected expenses.

Working Capital Loans

Cover daily operational costs like payroll and insurance during slow seasons.

Simple Qualification Criteria

We know the trucking industry is tough. Our partners offer flexible requirements compared to traditional banks:

  • Time in Business: 6+ months active authority preferred (Startups accepted with strong credit)
  • Monthly Revenue: $10,000+ gross monthly deposits
  • Credit Score: 600+ FICO (Lower scores considered with collateral)
  • Industry: Must be a registered commercial trucking or logistics business
Documents Needed

Have these ready for faster approval:

  • Last 3 months of business bank statements
  • Copy of CDL (Commercial Driver’s License)
  • Business License / Authority Documents
  • Quote or Invoice for truck/equipment (if purchasing)
  • Voided check for funding deposit
Trusted by Truckers Nationwide

I needed a replacement engine fast or I was going to lose my contract. SBA-Express matched me with a lender in 2 hours and I had funds the next day.

Mike T. Owner-Operator, Texas

Banks turned us down because our trucks were 'too old'. This platform found us a lender who understood the value of our fleet. We added 3 more rigs thanks to them.

Sarah Jenkins Fleet Manager, Ohio

As a new authority, finding financing was a nightmare. The process here was simple, and the expert guidance helped me understand exactly what I qualified for.

David R. Logistics Startup, Florida
WHow to Apply for Financing
Secure your commercial truck financing in 4 simple steps:

Apply Online

Complete one simple form in minutes. Tell us about your business needs.

Get Matched

Our system instantly connects you with relevant SBA-approved lenders.

Explore Lenders

Compare trucking business loan offers and choose the best fit.

Receive Funding

Finalize documents with expert guidance and get funded fast.

Ready to Grow Your Fleet?
Need funding faster? Apply once and get matched in minutes. Don’t let cash flow stall your engine. Get the best trucking business loans today.
Start Your Application

Frequently Asked Questions

Yes. Many of our lenders understand that a well-maintained truck has value regardless of the odometer. We have programs specifically for older equipment.
We support both! While dealership purchases are often smoother, we have lenders who can facilitate private party transactions, including lien searches and title transfers.
We have options for all credit profiles. While SBA loans typically require 650+, we have equipment financing partners who focus on the asset value rather than just your personal credit score.
Speed is our priority. Once matched, many trucking business owners receive funds in as little as 24 to 48 hours, especially for equipment financing and working capital.