22 years of commercial truck financing. Faster than the bank. Carries across dealers.

Who we fund

• Strong-credit operators who want the convenience of an experienced equipment-finance specialist instead of the bank paperwork shuffle. App-only, mostly phone and email, no branch visits.
• Established carriers scaling fleets. Adding truck two, three, or your tenth. We structure it, fast.
• First-time owner-operators. No fleet history required. We have programs for CDL holders going independent.
• Buyers of used trucks. We fund sleepers 8 years or newer.
• Buyers with prior BK. Discharged Chapter 7 and Chapter 13 funded all the time.
• Established carriers with credit hits. 5–15 year operators who hit a rough patch. We know how to work the file.
• Operators who want one financing relationship across many dealers. Get approved with us once, walk into any lot knowing your number.

How much do you need down for a commercial truck?

The honest answer: it depends on your credit, how long you've been operating, and whether you've financed commercial equipment before. Here are the ranges we're placing right now:

• $0 down (zero down). 700+ credit score, 2+ years time in business, and at least 12 months of prior commercial borrowing history (24 months preferred). Manufacturer finance programs and top-tier programs. We do these all the time.
• 10% down. 700+ credit with 2+ years in business but no commercial borrowing history yet, or 635 to 700 credit with 24 months of prior commercial borrowing. On a first truck, 10% is limited to a homeowner with 5+ years of CDL, 700+ TransUnion credit, and a truck at $50,000 or less.
• 20% down. 635–700 credit score with time in business. This is a common bucket. A lot of the established-operator deals we place fall between 10% and 20% down.
• 25%–40% down. Below 635 credit score or credit with issues showing. Still fundable: we structure and place through programs designed for these files.
• Startups and new authorities: plan on 25% down or more. New MC, no commercial borrowing history, or non-CDL owner. The program needs to see real money in the deal. Strong credit and CDL experience pull that toward 20%. The only first truck we place at 10% down is a homeowner with 5+ years of CDL, 700+ TransUnion credit, and a truck at $50,000 or less; mid-tier credit (635 to 700) on a first truck should plan on 20 to 25%. We'd rather tell you that in three minutes than after a credit pull.

Every deal is a mix of credit, time in business, equipment age and miles, and cash reserves. We can usually tell you within 3 minutes on the phone which bucket your deal falls into. Call (801) 332-9756 or pre-qualify in 60 seconds.

"No money down" semi truck and 18-wheeler financing, what's real

Zero-down semi truck financing exists, and we place it every week. For established carriers and owner-operators with 700+ credit, two or more years in business, and a prior commercial loan or lease paid as agreed. If that's you, you'll usually see $0 down, 60-month terms, and a decision the same day.

What doesn't exist is no-money-down financing for a brand-new authority with no borrowing history. Anyone advertising it is either marking up the rate to cover the risk or will ask for the down payment at the dealership. We'd rather be straight with you: a first 18-wheeler needs 20 to 25% in the deal. The one exception is 10% down for a homeowner with 5+ years of CDL, 700+ TransUnion credit, and a truck at $50,000 or less. Established fleets adding trucks, day cabs, sleepers, or glider-free Class 8 units are where the zero-down and 10%-down structures live.

Semi truck lease purchase vs. financing the truck in your own name

A lot of drivers searching for a semi truck lease purchase are looking at a carrier's lease-purchase program: the carrier owns the truck, takes the payment out of your settlements, and you own it at the end if you stay with that carrier and keep up with the payments, maintenance escrow, and insurance. Plenty of drivers have come out of those programs owning a truck. Plenty have come out with nothing, because the truck only pays off if you keep hauling that carrier's freight at that carrier's rate.

What we do is different: we finance the truck in your name, through any dealer, on a loan or a $1-buyout lease. The title is yours from the start, you choose your freight and your authority, and the payment is fixed for the term regardless of who you haul for. A first truck needs 20 to 25% down (10% only for a homeowner with 5+ years of CDL, 700+ credit, and a truck at $50,000 or less), which is more than a carrier lease-purchase asks up front, and it's the reason the truck is actually yours. If you're deciding between the two, call and we'll run the numbers on the truck you're looking at.

First-time commercial truck buyer? Here's what to expect

Buying your first 18-wheeler as an owner-operator is a different lending decision than a fleet's second or tenth truck. Here's how we approach it:

• CDL experience matters more than business credit. 2+ years driving as a company driver or leased-on is the CDL history the startup owner-op programs need to see.
• Down payment is your leverage. 25% down on an $80K used truck opens far more programs than 10% down on a $150K new one. And for a startup, it's the difference between an approval and a decline. If you're stretching, buy less truck and put more down.
• Authority status changes the deal. Your own MC/DOT versus leasing on to a carrier. Some programs prefer one over the other, we place accordingly.
• Used trucks fund fine. We fund sleepers 8 years or newer. Down payment and rate depend on age, miles, and credit.
• Prior BK doesn't kill the deal. Discharged Chapter 7 (2+ years out) and dismissed 13 fund all the time. New authority + prior BK on the credit typically lands in the 25-35% down range.

We fund husband-and-wife OTR teams, drivers going independent after a decade at Schneider, and company drivers buying their first sleeper. Whatever the file looks like, one phone call tells you the plan.

Pre-qualify in 60 seconds, no credit pull

Recently funded truck deals

A sample of what we've closed in the last few months:

• Husband-and-wife OTR team. Kenworth W900, zero down by structuring a third-party warranty. DocuSign close. Funded in three days.
• Fleet expansion, adding truck three. Established trucking company, 12-year customer, repeat deal through TAC.
• First-time owner-operator. 12-year company driver going independent, approved through Logan on his CDL history.
• Used semi from a dealer. Funded with a higher down payment based on the credit profile.
• Trailer for a small fleet. Competitive financing on a quick turnaround for an established carrier.

Names redacted for privacy. Real deals, real customers. Many quoted in the testimonials below.

Are you an owner-operator?

Most of the truck deals we close are owner-op deals. First-time drivers going independent, established owner-ops upgrading equipment, multi-truck owner-op fleets, and prior-BK structures. We have a dedicated owner-operator page that walks through each of those deal types and how they fund.

Owner-Operator Truck Financing →

We close deals through any dealer. And on every major manufacturer

Once you're approved with us, you can carry your financing across dealers. We've funded trucks through truck dealers in every region. And we're fluent in every major OEM:

• Freightliner
• Kenworth
• Peterbilt
• Volvo
• International
• Mack
• Western Star
• Hino

If your dealer or seller isn't on this list, that's fine. We work with any vendor.

How it works

1. Apply or pre-qualify. 60-second pre-qual form, no hard pull.
2. We underwrite your deal. Real terms, not "rate starts at" marketing numbers. Down payment, monthly payment, and what we'd need to close.
3. You sign and the truck funds. Direct to the dealer. You drive.

What we don't finance

• Auction purchases
• Private-seller purchases
• Glider trucks
• Repairs to existing equipment
• Refinances of current loans (cash-out refi on free-and-clear equipment only — call for details)

What our truck customers say

"Mr. Logan Cleveland got me approved with no money down with Trust Alliance Capital. I have been driving for 12 yrs. My business is running strong — he was a blessing to me and my family. Paperwork was done in days not weeks. If you are needing a semi truck financed, ask Mr. Logan Cleveland." — William, TX

"As a small fleet we're always looking for the best financing options. Spencer and his team at Trust Alliance Capital came thru strong with very competitive financing for a trailer we needed funded quickly. Spencer is quick, precise and knowledgeable in his craft. Without question he'll be our first call as we continue to grow." — John, NV

"Rodney was our agent and he was extremely knowledgeable and helpful. I would give all of the staff at Trust Alliance Capital 5 Stars and highly recommend them." — Dempsey, FL (Trucking Company Owner)

Frequently asked

Can I get financed with a prior bankruptcy? Yes. We have programs for both discharged and in-process Chapter 7 and Chapter 13. Pricing reflects risk.

What credit score do I need? We work A through C paper. Below 600 we'll have fewer program options but still real ones.

What's the maximum truck age? We fund sleepers 8 years or newer.

Do you do lease purchase? Not the carrier kind. We finance the truck in your name through any dealer, on a loan or a $1-buyout lease, with 20 to 25% down on a first truck. You own it from day one.

I paid cash for a truck and need the money back. Day cabs, dump trucks, and vocational trucks that are 2018 or newer, worth $50,000+, and free and clear can go through our cash-out refinance program. Over-the-road sleepers are excluded from that program.

How fast can you fund a deal? Often 3 to 5 business days. Can be sooner or take longer depending on how quickly insurance can be obtained.

What our customers say

Real reviews from operators we've funded. Verified five-star reviews from our public profile.

Commercial Truck financing in every state

Same programs, same structures, applied to local market conditions. Click your state for industry context, equipment mix, and recent deal examples.

• Alabama
• Alaska
• Arizona
• Arkansas
• California
• Colorado
• Connecticut
• Delaware
• Florida
• Georgia
• Hawaii
• Idaho
• Illinois
• Indiana
• Iowa
• Kansas
• Kentucky
• Louisiana
• Maine
• Maryland
• Massachusetts
• Michigan
• Minnesota
• Mississippi
• Missouri
• Montana
• Nebraska
• Nevada
• New Hampshire
• New Jersey
• New Mexico
• New York
• North Carolina
• North Dakota
• Ohio
• Oklahoma
• Oregon
• Pennsylvania
• Rhode Island
• South Carolina
• South Dakota
• Tennessee
• Texas
• Utah
• Vermont
• Virginia
• Washington
• West Virginia
• Wisconsin
• Wyoming