Trucking Industry

    Trucking Business Loans & Truck Financing – Keep Your Fleet Moving

    From fuel costs and emergency repairs to fleet expansion and owner-operator startup — get the capital your trucking business needs in as little as 24 hours. No hard credit pull. No hidden fees.

    Apply Now — No Credit Impact
    No credit impactSoft pull only
    24-hour fundingFast approval
    30,000+ fundedNationwide
    Semi truck on highway - trucking business loans and truck financing for fleet owners
    $2.5B+
    In business fundingDeployed to SMBs nationwide
    4.9
    Customer ratingBased on 12,000+ reviews
    95%
    Approval rateAmong qualified applicants
    24 hrs
    Avg. trucking fundingFrom application to deposit

    Trucking Owner Reviews

    Trusted by trucking companies across the country.

    "GBB Loans financed three new Freightliners for our fleet in under a week. The equipment financing terms were better than anything our bank offered — and there was zero hassle with paperwork."

    Carlos M.Fleet Owner, Houston TX

    "When I decided to go independent, GBB Loans funded my first truck even with a 580 credit score. They looked at my freight contracts and revenue, not just my FICO. I've been on the road ever since."

    Derek S.Owner-Operator, Atlanta GA

    "The freight factoring program is a game-changer. Instead of waiting 60 days for brokers to pay, we get cash the same day. It completely eliminated our cash flow problems."

    Sarah K.Trucking Company Owner, Denver CO

    How it works

    Four simple steps to trucking funding.

    Trucking business loan online application process step one
    Apply Online

    Fill out a 2-minute form.

    Tell us about your trucking business, monthly revenue, fleet size, and how much capital you need. No hard credit pull — your score stays safe.

    2 minto complete
    Get matched with trucking business loan and fleet financing lenders
    Get Matched

    See your best options.

    A dedicated funding advisor reviews your profile and matches you with the best trucking financing options from 75+ lenders specializing in transportation.

    Same daydecision
    Review trucking loan terms and compare fleet financing offers
    Review Terms

    Compare offers transparently.

    Review your loan terms, rates, and repayment schedule with full transparency. No hidden fees, no surprises — just clear options tailored to your trucking operation.

    0hidden fees
    Get funded for trucking business needs within 24 hours
    Get Funded

    Receive your capital.

    Sign your agreement and get funds deposited directly into your business account — often within 24 hours. Buy trucks, cover fuel, and keep your fleet moving.

    24 hrsavg. funding time
    No hard credit pull Free to apply No hidden fees

    Qualification Tool

    How much can you qualify for?

    Estimate your monthly payments and see how much funding your trucking company could access.

    Loan Details

    Loan Amount$75K
    $5K$500K
    Loan Term24 months
    3 mo60 mo

    Credit Profile

    Credit RangeGood
    Est. rate:% APR

    Optional

    Extra Monthly Payment
    $/ mo

    Monthly

    $3,531

    per month

    Interest

    $9.7K

    total interest paid

    Total Cost

    $84.7K

    principal + interest

    Ready to move forward? Based on your inputs — $75,000 over 24 months — you could be approved in minutes.

    Apply now — it's free

    We Know Trucking

    GBB Loans understands the trucking business.

    From fuel costs and fleet maintenance to freight factoring and owner-operator financing — we've funded thousands of trucking companies and understand your unique capital needs.

    Purchase or Lease Trucks & Trailers

    Finance new or used semi-trucks, flatbeds, reefer trailers, and specialty vehicles. Get the equipment you need to take on more loads and grow your operation.

    Fleet Expansion & Growth

    Scale from owner-operator to fleet owner with capital for additional trucks, drivers, insurance, and operating infrastructure. Grow at your own pace with flexible financing.

    Cover Fuel & Maintenance Costs

    Bridge cash flow gaps between loads with working capital for diesel, tires, oil changes, and routine maintenance. Keep your fleet road-ready without draining your reserves.

    Driver Payroll & Recruitment

    Cover payroll between payment cycles and invest in recruiting qualified CDL drivers. Competitive pay and signing bonuses help you attract and retain top talent.

    Emergency Repairs & Breakdowns

    Handle unexpected engine failures, transmission issues, roadside breakdowns, and DOT compliance repairs without taking trucks out of service for extended periods.

    Insurance Premiums

    Finance annual commercial truck insurance premiums, cargo insurance, and liability coverage upfront. Avoid coverage lapses and negotiate better rates with lump-sum payments.

    Bridge Receivables Gaps

    Don't wait 30–90 days for brokers and shippers to pay. Freight factoring converts your invoices into immediate cash so you can cover expenses and take on new loads.

    Transition to Owner-Operator

    Finance your first truck, insurance, authority setup, and initial operating costs to make the leap from company driver to independent owner-operator.

    Financing Solutions

    Best loan types for trucking companies.

    Compare the most popular financing options for trucking companies, owner-operators, and freight businesses.

    Equipment financing for semi-trucks trailers and fleet vehicles
    Asset-Based

    Equipment Financing

    Finance new and used semi-trucks, trailers, refrigerated units, and fleet vehicles. The equipment itself serves as collateral — preserving your cash flow for fuel and operations.

    • $10K–$2M financing
    • Equipment as collateral
    • 100% financing available
    Commercial truck financing for owner-operators and fleet expansion
    Fleet Growth

    Truck Financing

    Dedicated financing for Class 8 trucks, box trucks, flatbeds, and specialty vehicles. Expand your fleet with predictable monthly payments and competitive rates for owner-operators and fleets alike.

    • $25K–$2M per vehicle
    • New and used trucks
    • Terms up to 84 months
    Working capital loans for trucking company fuel and payroll costs
    Cash Flow

    Working Capital Loans

    Cover fuel costs, driver payroll, insurance premiums, and maintenance between loads. Ideal for trucking companies that need fast, flexible working capital to keep rigs on the road.

    • $5K–$500K loan amounts
    • Funds in as little as 24 hours
    • No collateral required
    Merchant cash advance for trucking and freight businesses
    Fastest Funding

    Merchant Cash Advance

    Get capital based on future revenue — repay automatically as a percentage of daily deposits. Perfect for trucking companies with consistent freight revenue seeking same-day funding.

    • $10K–$500K advances
    • Same-day funding available
    • Automatic daily repayment
    Business line of credit for trucking companies and owner-operators
    Most Flexible

    Business Line of Credit

    Draw funds as needed for fuel, maintenance, insurance, or unexpected repairs. Only pay interest on what you use — repay and redraw as your trucking business needs fluctuate.

    • $10K–$500K credit limits
    • Revolving — repay and redraw
    • Ideal for seasonal freight
    SBA loans for trucking fleet expansion and terminal acquisition
    Lowest Rates

    SBA Loans

    Government-backed loans with the lowest rates and longest terms. Ideal for fleet expansion, terminal acquisition, large equipment purchases, and major business investments.

    • $50K–$5M loan amounts
    • Terms up to 25 years
    • APR from 7.49%
    Freight factoring and invoice financing for trucking companies
    Receivables

    Freight Factoring

    Convert unpaid freight invoices into immediate cash. Don't wait 30–90 days for shippers and brokers to pay — get funded on your receivables within 24 hours and keep your trucks moving.

    • Advance up to 95% of invoice
    • Same-day funding available
    • No long-term contracts required
    Bad credit trucking business loans and fleet financing options
    All Credit Welcome

    Loans for Bad Credit

    Don't let your credit score keep your trucks parked. Revenue-based underwriting focuses on your freight volume and cash flow, not your FICO score. Over 90% of applicants receive an offer.

    • $5K–$400K loan amounts
    • Credit scores under 600 OK
    • Fast 24-hour funding

    Compare Options

    Which trucking financing is right for you?

    Best for Trucks & Equipment

    Equipment Financing

    Amount$10K – $2M
    Speed1–3 days
    Best forSemi-trucks, trailers, refrigerated units
    Learn More
    Best for Cash Flow

    Freight Factoring

    AmountUp to 95% of invoice
    SpeedSame day
    Best forBridge receivables, fuel, payroll
    Learn More
    Best for Fleet Growth

    SBA Loans

    Amount$50K – $5M
    Speed2–6 weeks
    Best forFleet expansion, terminals, large investments
    Learn More

    Expert Tips

    Smart financing tips for trucking owners.

    Plan for Seasonal Fluctuations

    Freight volumes swing with seasons. Secure a line of credit before slow periods so you can cover fuel, insurance, and payroll without scrambling for cash.

    Use Factoring for Cash Flow

    If broker and shipper payments take 30–90 days, freight factoring gives you same-day cash on your invoices — keeping your trucks fueled and drivers paid on time.

    Invest in Fleet Maintenance

    Preventive maintenance financing pays for itself. Well-maintained trucks break down less, pass DOT inspections easier, and command better rates on the spot market.

    Separate Business & Personal Finances

    Open a dedicated business bank account and keep clean financial records. Lenders want 3–6 months of consistent business bank statements when evaluating trucking loans.

    Negotiate Fuel Discounts

    Use working capital to buy fuel cards or negotiate bulk diesel discounts. A few cents per gallon savings across your fleet adds up to thousands per month.

    Build Business Credit Early

    Even small equipment loans reported to business credit bureaus help build your trucking company's credit profile, unlocking better rates and larger fleet financing down the road.

    Compare Multiple Offers

    GBB Loans matches you with 75+ lenders. Always compare rates, terms, and total cost of capital before accepting — even a 1% rate difference saves thousands over a truck's life.

    Keep Operating Reserves

    Maintain cash reserves covering 3 months of operating expenses — fuel, insurance, maintenance. Use financing for growth and equipment, not day-to-day survival.

    Common questions

    Everything you need to know about trucking financing.

    Resources

    Guides & insights for trucking owners.

    How to finance semi-trucks and fleet vehicles

    How to Finance Your First Semi-Truck as an Owner-Operator

    Learn how equipment financing helps new owner-operators get on the road with competitive rates and flexible terms.

    Read more
    Freight factoring guide for trucking companies

    Freight Factoring: A Trucking Company Owner's Guide

    Understand how freight factoring works, when it makes sense for your fleet, and how to compare factoring rates from multiple providers.

    Read more
    SBA loans for trucking fleet expansion

    Using SBA Loans to Expand Your Trucking Fleet

    A step-by-step guide to financing fleet growth, terminal acquisition, and major equipment purchases with government-backed SBA loans.

    Read more

    Ready to Fund Your Fleet?

    Prequalify in 2 minutes. No credit impact. See your best trucking financing offers from 75+ lenders.

    No credit impactSoft pull only
    24-hour fundingFast approval
    30,000+ fundedNationwide
    Step 1 of 14

    What do you need funding for?

    GBB Loans

    America's largest small business loan marketplace. Funding made simple, fast, and transparent.

    Copyright © 2026 GBB Loans. All rights reserved.

    California loans made pursuant to the California Financing Law, Division 9 (commencing with Section 22000) of the Finance Code. All such loans made through GBB Loans Partners, LLC, a wholly-owned subsidiary of GBB Loans, Inc. and a licensed finance lender/broker, California Financing Law License No. 60DBO-44694. GBB Loans is not a lender and does not make credit decisions. Financing terms, conditions, and eligibility are determined solely by the participating lenders and may vary based on applicant qualifications. Compensation may be received from lenders for referrals or funded loans, which may impact the placement of financing offers. Not all financing options available in the market are listed on this platform. We encourage applicants to carefully review all lender disclosures and loan agreements before proceeding. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

    1. Time to fund depends upon the product that you select, and can be as little as 24 hours, but may be longer.
    2. Filling out an application for business funding and submitting it to our funding partners will not impact your personal credit score. However, depending on the product and lender, accepting a funding offer may result in a hard credit inquiry, which could affect your personal credit score.
    3. Funding amounts and number of total loans funded include loans funded under the Paycheck Protection Program.