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✓ Funded in 24 hours500+ credit OK$25K–$5M✓ Soft credit pull✓ Apply in 1 minute
Truck & Fleet · 2026

Work Truck & Fleet Financing for Contractors

Add a truck or build a fleet without draining cash — the vehicle secures the financing, so approval leans on the asset and your revenue.

$25K–$5Mfunding range
24 hrstypical funding
500+credit scores OK
Contractors& trades
No collateralfor working capital

See how much your contracting business qualifies for

$25K to $5M for contractors and trades — approved on your revenue, funded in as little as 24 hours. No collateral for working capital.

  • 500+ credit
  • 6+ months open
  • $10K+/mo revenue
1-Minute Application

Apply Now — Get Funded in 24 Hours

Start your application in about a minute. A real decision fast — soft credit pull, no obligation.

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🔒 Soft credit pull · will not affect your credit score

Short answer: Truck and fleet financing lets contractors buy work trucks, dump trucks, and service vehicles with the vehicle as collateral. Single trucks or whole fleets qualify, FICO 500+ is accepted, and both new and used vehicles are eligible. Deals typically run $15,000 to $500,000+ and fund in 1-3 days.

Financing trucks & fleet vehicles

Typical 2026 ranges through Contractor Capital Funding. New and used both qualify.

Vehicle typeFinance rangeTypical term
Pickup / service trucks$15K – $90K36–60 mo
Dump trucks$40K – $250K48–72 mo
Flatbeds & utility trucks$25K – $150K36–60 mo
Multi-truck fleets$100K – $500K+48–72 mo
Used / high-mile trucks$15K – $120K24–48 mo

Why finance your fleet with us

  • The truck is the collateral — no extra assets pledged
  • FICO 500+ accepted; approval on revenue
  • New, used, and multi-truck fleets qualify
  • Funds in 1-3 days with the dealer quote
  • Keep working capital free for jobs
  • Fixed payments that fit your bids

What you need to apply

  • US-based contracting business
  • 6+ months in business
  • Dealer or seller quote for the vehicle(s)
  • Last 3 months of bank statements
  • Valid EIN and business bank account

Frequently asked questions

Can I finance more than one truck at a time?
Yes. Whole fleets can be financed together, with terms scaled to the total value and your revenue.
Can I finance a used truck?
Yes. Used and higher-mileage trucks qualify, though age and mileage affect the term and any down payment.
Do I need good credit for truck financing?
No — FICO 500+ qualifies because the vehicle secures the financing and approval leans on revenue.
Is a down payment required?
Often not for newer trucks. Older or high-mileage vehicles may require a modest down payment.
How fast can I get a truck financed?
Usually 1-3 business days once the dealer quote and bank statements are in.

Finance your work truck or fleet

Apply in 5 minutes with a soft credit pull. Add the vehicles your crews need without draining cash.

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Ranges shown are typical 2026 industry figures and vary by vehicle, mileage, and underwriting; actual terms are set at application. Financing is subject to approval. Product and company names referenced are the property of their respective owners.

Get funded in 24 hours

Approved on your revenue, not just your credit. Start your 1-minute application.

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Why contractors choose us

Funding that fits construction cash flow — retainage, progress draws, equipment, and payroll gaps.

🏗️

Built for the trades

General contractors, subs, and every trade. We fund the way construction actually gets paid.

Funded in 24 hours

Cover materials, mobilization, or payroll between draws — decision in as little as 4 hours.

📊

Approved on your revenue

500+ FICO accepted. Underwritten on your deposits and receivables, not just your score.

Ready to get funded?

Approved on your deposits, not just your score. Funded in as little as 24 hours.

START MY 1-MINUTE APPLICATION →
Apply Now — Funded in 24 Hours →
Before you go

See how much your contracting business qualifies for

$25K–$5M · funded in 24 hours · 500+ credit OK. A soft credit pull that will not affect your score.

START MY 1-MINUTE APPLICATION →

No obligation · takes about a minute