20+
Years helping small businesses finance trucks & equipment.
12–72
Month terms. $0 down programs available for qualified borrowers.
$5M
Up to $5,000,000 with financials; no financials up to $250k.

Commercial Truck Financing Program

The program serves transportation companies, local delivery fleets, and independent operators expanding into last-mile delivery—including drivers on Uber, Walmart Spark, and DoorDash. We finance box trucks, lift trucks, reefers, bucket/boom/crane trucks, tow trucks, garbage trucks, cargo vans, tractors, and dry van trailers—new or used.

Box TruckReeferTow TruckBucket/Boom CraneGarbageCargo VanDay Cab/Sleeper Dry Van Trailer
Startups welcome with good credit. No credit / bad credit may qualify with 2+ years in business and compensating strengths.

Why Trucks Matter in 2025

Last-mile delivery is booming in major metros like Honolulu, New York, and San Francisco. Younger consumers value convenience, pushing demand for delivery capacity. Smart operators avoid large upfront cash drains by financing or leasing the right unit for the route—keeping working capital free for payroll, fuel, and growth.

Cashflow First, Ownership When It Counts

  • Preserve cash with predictable monthly payments.
  • Choose $1 buyout, EFA (Equipment Finance Agreement), or FMV structures.
  • Leverage Section 179 (consult your CPA) and depreciation benefits.

Key Features & Special Programs

Programs subject to credit/underwriting approval.
Feature What It Means Who It Helps
Fast Approvals Streamlined file review so you can take delivery quickly. Time-sensitive routes & seasonal spikes
Flexible Payments Fixed or variable; terms from 12 to 72 months. Businesses prioritizing cashflow stability
New & Used OK Finance dealer or private-party with acceptable docs. Owner-operators, fleet refresh
$0 Down Options Qualified borrowers can conserve working capital. Growth phase or tight cash windows
Promo Plans $99 for first 6 months, 90-day deferral, $0 buyout, no prepayment penalty (where available). Launch & ramp-up periods
Up to $5,000,000 Larger fleets approved with financial statements. Regional carriers & national fleets

Fleet Leasing Solutions

  • Cost Savings: Conserve capital; pay for use, not ownership.
  • Maintenance Packages: Reduce downtime with predictable upkeep.
  • Upgrade Flexibility: Stay current with technology at term end.
  • Balance Sheet: Build assets with $1 buyout or keep it light with FMV.
  • Cashflow: Match payments to revenue cycles.

Tailored to Your Operation

One truck or a fleet refresh—we build the structure around your routes, fuel profile, and maintenance capacity. We also finance allied assets: lift trucks, cranes, service bodies, reefers, generators, and more.

Should You Rent, Lease, or Finance?

Consider timeline, usage, taxes, and cashflow before deciding.
Option Best For Pros Cons
Rent Short-term / seasonal spikes No long commitment; latest equipment; minimal maintenance burden No equity; higher long-run cost; strict usage terms
Lease (FMV or $1 Buyout) Thin margins, fast growth, tech turnover Lower monthly payments; tax deductibility potential; easy upgrades FMV buyout surprises; mileage/condition clauses
Finance / EFA Ownership, asset building, long-term use Depreciation benefits; no return; full customization Higher down & monthly vs FMV lease; maintenance on you

How to Decide

  • How long do you need the unit?
  • Route type & utilization (local vs long-haul)?
  • Tax situation & depreciation strategy?
  • Cashflow stability & maintenance capacity?
  • Credit strength & time in business?
Not sure? We’ll map scenarios (rent vs lease vs finance) and show net cash impact. Get a free quote.

Current Promotions

Program Highlights Typical Term
$99 for the First 6 Months $99 to start; ideal for ramp-up periods Varies (ask rep)
90-Day Deferred Payments Preserve cash while onboarding contracts 12–72 months
$0 Down Equipment Financing Qualified borrowers; conserve working capital 12–72 months
No Prepayment Penalty* Pay off early without fees (where available) Varies

*Some leases are non-cancellable and may not offer prepayment benefits. Always review your agreement.

Eligibility Snapshot

  • Startups OK with good credit.
  • Bad credit may qualify with 2+ years in business.
  • Strong bank statements & contract pipeline help.

What to Submit

  • Online Application
  • Invoice / Bill of Sale
  • Recent Bank Statements

Truck Lifecycles & Budgeting

With regular upkeep, small box/short-haul trucks can exceed 100,000 miles; day cabs and sleepers often run 45,000+ miles/year. New box trucks range ~ $30,000–$61,000 (reefer higher). New Class-8 tractors commonly $80,000–$150,000+.

Reality check: Old, high-mileage tractors can become money pits. Financing newer units can beat paying constant repairs on depreciating assets.

Also Finance with Liberty

Transportation

  • Commercial Truck Financing
  • Fleet Truck Leasing
  • Reefer & Trailer Financing
  • Cargo Van Financing

Trades & Contractors

  • Subcontractor Funding
  • Plumbers • Electricians
  • Roofers • Pavers
  • HVAC • Landscapers

Medical & Healthcare

  • Imaging (CT, MRI, X-Ray)
  • Ultrasound • Endoscopy
  • Optometry • Pharmacy
  • Veterinary • Home Health

Restaurants & More

  • Kitchen Equipment
  • Food Trucks
  • POS & Tech
  • Working Capital

Financing Types

  • Equipment Finance Agreement (EFA)
  • Capital Lease – $1 Buyout
  • FMV Lease / 10% Option
  • Sale-Leaseback
  • Business Term Loans
  • Revenue-Based Working Capital
  • Business Lines of Credit

Why Operators Choose Liberty

  • No financials up to $250,000
  • 120% equipment cost financing options
  • Next-day approvals
  • Competitive fixed payments
  • No prepayment penalties (where applicable)

Talk to Us

Phone: 619-795-3123
Hours: Mon–Fri, 6:00 am – 6:00 pm (EST)

Compliance

Liberty Capital Group, Inc. DBA Quote2Fund.com • NMLS ID: 2009539 (Verify) • CA DFPI Finance Lenders Lic. 60-DBO49692.

Vendors & Dealers

Are you an equipment dealer or vendor? Offer $0 down and 90-day no-pay to your customers.

Vendor Program Sign-Up

Notes: Industry stats and vehicle price ranges are illustrative and may vary by source, region, and time. Consult ATA/BLS or current OEM data for updated figures. Tax topics are general information; consult your CPA for advice.