Flexible tractor-trailer financing solutions for owner-operators and fleet owners. Get the capital you need to buy, upgrade, or expand your trucks fast.
Get the cash you need quickly with options tailored to fit your business and cash flow, so your trucks keep moving.
Our simple online application takes just minutes, no complicated paperwork or long waits.
We work with a variety of credit profiles, so you don’t have to let past challenges hold you back.
Semi-truck financing allows owner-operators and trucking companies to acquire the trucks they need without taking on the full upfront cost, making it easier to grow or maintain a fleet while preserving working capital. Instead of paying in full, a lender covers most of the purchase price, and the truck itself typically serves as collateral, which can help make financing accessible even for businesses with limited credit history. Borrowers then repay the amount through scheduled installments that fit their cash flow. This type of financing can cover new or used trucks, upgrades, replacements, or fleet expansion, giving transportation businesses the flexibility to stay competitive, take on more routes, and keep operations moving efficiently.
Qualifications:
CapFlow has worked with thousands of American businesses and has provided over $1 Billion in working capital.
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CapFlow Funding Group provides flexible financing solutions for owner-operators and small to large fleets, covering all types of semi-trucks and transportation vehicles. We finance both new and used trucks and trailers to help your trucking business grow.
For used trucks, we generally prefer vehicles with under 500,000 miles and less than 5 years old.
Approvals are based on factors such as vehicle condition, down payment, and consistent monthly revenue, so even if your truck doesn’t meet every criteria, we can explore options that work for you.
Invoice factoring allows your business to turn unpaid invoices into immediate cash, keeping your operations running smoothly.
A pre-factoring working capital solution for businesses growing their accounts receivable.
Apply in less than 30 seconds using the form above!
CapFlow's team will review your application and contact you within 24 hours.
Once approved, you will be electronically sent an agreement.
You will now have the funding to keep your business flowing!
1. Company Revenue & Time in Business
We evaluate your financing request based on your monthly revenue, how long your business has been operating, and the equipment you plan to purchase or lease. Businesses with over 2 years of operation are easier to approve, but we also work with newer businesses that can demonstrate profitability and prepared cash flow for future expenses.
2. Equipment Condition
We review the make, model, VIN, engine type, transmission, fuel mileage, accident history, mileage, photos, and current valuations to ensure your equipment meets our standards.
3. Credit History
Both trade business credit and personal credit are considered. We have programs for all types of borrowers, including those with less-than-perfect credit—as long as you can show consistent monthly revenue and recurring sales for at least the last 6 months.
4. Proof of Down Payment
You should have enough cash to cover your down payment and other business expenses. Typically, a down payment ranges from 10% to 30% of the equipment cost, depending on your credit, time in business, and the purchase price.
5. Insurance Requirements
We require that all financed equipment is insured for property damage and liability, with coverage of at least $1 million.
6. Additional Documentation
To process your request, we typically ask for: proof of business, tax returns, profit & loss statements, balance sheets, bank statements, permits, and proof of insurance.
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Equipment Financing caters specifically to businesses that require machinery, technology, or equipment to operate. This option allows companies to secure funding while using the equipment itself as collateral.
