Interstate Capital, one of North America’s leading independent financial services firms for the trucking industry since 1993, offers fast response times to requests for truck and trailer financing and truck and trailer refinancing. Through our partnerships with industry-leading providers, you have access to a truck and trailer financing program that is flexible, affordable and tailor-made for owner-operators and owners of small fleets of over-the-road trucks. No matter where you are or how big your company is, we can find a solution that’s right for you.
Our Commercial Truck Financing is Fast and Easy
This program is an exclusive benefit for Interstate Capital factoring clients. We take a big picture approach when considering applications – not just a credit score. All credit scores are considered, so even if you have been turned down before for commercial truck leasing or commercial truck financing for bad credit, you may still qualify for a loan or lease on tractors and trailers.
Refinancing options for your existing trucks and trailers as well as financing for purchases of new and pre-owned trucks and trailers are available. This program offers flexible payment terms of up to 60 months on new equipment. Commercial truck financing rates start at only 9.99% APR for qualified applicants. Truck and trailer loans are available to owner-operators and fleet owners in the U.S only.
Get a Free Financing Estimate
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We’re Experts in Semi Truck Financing
Few semi truck financing companies understand the business like we do. Over the years, we’ve come to know the industry incredibly well because of the high number of transportation companies we assist with factoring. We spend every day working with owner-operators and small fleet owners by helping them solve some of their biggest cash flow problems, offering them the opportunity to grow and potentially scale up. Getting semi truck financing with bad credit isn’t always easy, but because we understand how your business works and the challenges you face, we can tailor a semi trailer leasing or financing option to your unique needs.
Get Trailer Financing to Suit Your Needs
If you’re looking into trailer financing for bad credit issues, or you simply want to see what terms you qualify for, and if there are better solutions for your needs, we can help. We support owner-operators and those with small fleets every day. We recognize that no two companies ever have the exact same needs, and that it’s important to find options that fit within your budget that also allow you to work and grow.
You Can Be Leasing a Truck Today
If you’re not sure whether leasing a truck vs buying is right for you, we’ll walk you through the options. From big rig financing through leasing a truck with bad credit, we’ve helped trucking businesses at every stage of growth and will find you a truck leasing or financing option with great terms. If you contact us now, you can be leasing your truck faster than you may have initially thought. It’s that simple.
While many semi truck leasing companies cater to large established businesses, we’re here to support the needs of owner-operators and owners of small fleets. With our semi truck leasing programs, bad credit will not necessarily prevent you from being successful. After all, you’re more than a single score. There are many things that go into running a successful business, and naturally, having the right equipment and keeping your wheels on the road are an essential part of that.
How do we do it? There are a variety of solutions for semi truck leasing, so bad credit or being new to the industry will not necessarily prevent you from qualifying for the equipment you need to run a successful business. While it’s true that having excellent credit helps secure loans and leases, most small-business owners haven’t had time to build up a business score and don’t have a strong enough personal score to leverage for large equipment purchases. That’s perfectly OK, and totally expected when you’re running a small business, and it shouldn’t prevent you from following your dreams.
Truck and Trailer Financing Highlights at a Glance
- All credit scores considered
- Start-ups welcome
- Owner-operators welcome
- Over-the-road trucks and trailers only
- Refinancing and financing for new and pre-owned trucks and trailers
- Rates starting as low as 9.99% APR*
- Flexible payment terms up to 60 months*
- Financing available nationwide (U.S. only)
- Fast decisions, usually within hours
- Auto-pay from your Interstate Capital factoring account
Fill in the form on this page to get your free financing estimate today. You can also call us on our 24×7 truck financing line: (800) 422-0766.
*Equipment finance rates, terms, and loan-to-value maximums TBD upon submission and final approval of credit application.