Commercial truck lease financing for owner-operators and fleets
Commercial truck leasing and financing for new and used box trucks, dump trucks, work trucks and semis, with terms up to 60 months (up to 72 on newer heavy trucks). We shop your deal across truck lenders that know the equipment, so owner-operators, new authorities and growing fleets get real options, not a single take-it-or-leave-it offer.
Trucks and trailers we lease and finance
New or used, from dealers, auctions or private sellers (subject to age and mileage limits).
What lenders look for
| Startups (pre-revenue or under 2 years) / new authority | Established (2+ years) | |
|---|---|---|
| Personal credit | 650 minimum | 600+ typical |
| Down payment | 10–40% (credit, experience, truck age) | 0–10% |
| Financials | Bank statements | None up to $150K in many programs |
| Guarantee | All owners | All owners |
| Bankruptcy | None in 7 years | None in 7 years |
| Tax liens | None unresolved | None unresolved |
General guidelines, not a commitment to lend. Experience (CDL years), the truck’s age and mileage, and your bank balances all affect approval and down payment.
Watch: how truck financing works
Funding your trucks and equipment.
Turned down by your bank? Watch this.
Lease, rent or finance your next truck: pros and cons of each.
Why truckers work with Liberty Capital Group
What you need to apply
- Online application (soft inquiry first)
- Truck invoice or quote (VIN, year, mileage)
- 3–4 months of business bank statements
- CDL and authority details for owner-operators
- Financials for larger fleet requests
See where you stand with the approval indicator.
$99 a month to start
For well-qualified businesses (strong credit, 3+ years in business and quality equipment) some programs start at $99 a month for the first 3 or 6 months. Ask whether a deferred first payment is available for your deal.
From application to keys in hand
- Apply in 3 minutesSoft pull, no fee.
- Compare offersLease vs. EFA, terms and down payment side by side.
- E-signSign online.
- DriveWe pay the seller and you start hauling.
Commercial truck leasing: common questions
Can I lease a used semi truck?
Yes. Many lenders finance used trucks, usually with limits on age (often 10 to 15 years) and mileage. Older trucks may need a larger down payment.
What credit score do I need for commercial truck financing?
As a guideline, established businesses typically need about 600 or higher, while startups (pre-revenue or in business less than 2 years) and new authorities need a minimum 650. Experience, down payment and the truck itself matter as much as the score.
How much down do I need?
Established businesses with good credit can often put 0 to 10% down. Startups and newer authorities usually need 10 to 40% depending on credit, experience and the truck’s age.
Can I finance a truck from a private seller?
Often, yes. We verify the title and the seller and can pay them directly.
Is it better to lease or finance a truck?
An EFA or $1 buyout lease makes sense if you plan to keep the truck. An FMV or TRAC lease gives a lower payment if you plan to trade up. We will show you both.
Are there prepayment penalties?
Many of our programs have none. We will tell you up front which offers allow early payoff and whether there is a discount.
Ready to put your next truck on the road?
Apply in 3 minutes or get a free quote. No fee, no obligation.
All financing subject to credit approval; terms vary by credit, time in business, financials and equipment. Liberty Capital Group, Inc. is not a tax advisor. NMLS #2009539 · CA DFPI #60-DBO49692.
Our small business financing experts are available to guide you through the funding Process.
Despite technological advancements, loans, especially in commercial truck lease financing and equipment financing, predominantly involve personal interaction with an underwriter to ensure as fraud prevention. Automation may not suffice, particularly when dealing with a third party like the vendor and the complexities of equipment purchase. In such scenarios, business owners are often better served by collaborating with a Business Loans Broker like Liberty Capital Group, Inc., who can steer them in the right direction.
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