Add trucks and vans to your fleet without draining cash
Bucket and boom trucks, service bodies, cargo vans and box trucks for utility, cable, landscaping and service companies. New or used, from a dealer or a private seller, with one application.
The trucks and vans that keep your crews working
Your trucks are the assets that move crews, tools and equipment. Every day one sits idle is revenue you don't get back.
Why fleet owners finance with us
Equipment financing, leasing or a business loan?
All three can put a truck on the road. They differ in cost, term, and who receives the funds.
| Equipment financing | Equipment leasing | Business loan | |
|---|---|---|---|
| Maximum term | 60 months | 60 months | 24 months |
| Payments | Monthly | Monthly | Monthly, weekly or daily |
| Minimum credit | 650 | 600 | 500 |
| Time in business | Startups considered | Startups considered | 3+ years |
| Application only | Up to $250K | Up to $250K | Up to $150K |
| Funds go to | The vendor | The vendor | Your business |
| New or used trucks | Yes | Yes | Any use of funds |
| Cost | Low | Low | Moderate |
| Fees | Varies | Low to moderate | Low |
| Funding time | 1–5 days | 1–3 days | Same day |
Leasing options include Fair Market Value (FMV) leases for off-balance-sheet treatment and $1 buyout leases when you want to own the truck at the end.
Payments that match how your trucks earn
What it takes to qualify
- Business license or an active business entity registration
- Personal guaranty from all owners (corp-only is available for established companies)
- Minimum 650 credit score
- No bankruptcies in the last 7 years
- No unresolved tax liens
- Startups are welcome, usually with a down payment
Going from one truck to three
This is the hardest jump. Lenders look at your time in business, bank balances, and whether your contracts support another payment. Established operators can usually add units on the application alone. A business line of credit alongside the equipment covers fuel, repairs and payroll while invoices age.
From quote to keys
- Send the quotePick your truck or van from a dealer or private seller.
- Apply in minutesA one-page application covers requests up to about $250K.
- Get approvedOften by the next day. We show you the full payment schedule before you sign.
- We fund the vendorUsually 1–5 days after signing and vendor verification.
Fleet truck financing questions
Can I finance several trucks at once?
Yes. We set up one approval you draw on as units are delivered, with multiple vendors bundled into a single monthly payment. Application-only covers about $250,000, and up to $5,000,000 with financial statements.
Do you offer deferred payments on fleet trucks?
Yes. 90-day deferred payments and $99 for the first six months are available to qualified applicants, along with seasonal or step payment structures.
What credit do I need to finance a fleet truck?
A minimum 650 score, personal guarantees from all owners, no bankruptcies in the last seven years, and no unresolved tax liens. A business license or active entity registration is required.
Can a startup get fleet truck financing?
Yes. Liberty Capital offers startup financing for fleet vehicles, typically with a down payment. Established operators can usually add units on the application alone.
Do you finance used trucks and vans?
Yes, new or used, from dealers or private sellers, with terms up to 5 years. Age and condition affect the structure.
How much down payment is required?
$0 down is available on approved credit. Lower-credit files usually need a down payment, and financing can cover up to 120% of the equipment cost, including soft costs.
Can I free up cash from trucks I already own?
Yes. A sale-leaseback converts equity in paid-off trucks into working capital, and existing notes can often be refinanced into one lower payment.
How fast can fleet trucks be funded?
Next-day approval is possible on application-only files. Funding typically takes 1 to 5 days once documents are signed and the vendor is verified.
Ready to add another truck?
Get a free quote with no obligation, or apply in 3 minutes. Our funding specialists are at (888) 511-6223.
Rates and terms disclosure: application-only limits vary by credit, time in business, equipment type and industry. Any rates, payments or terms shown are examples only. Sample rates apply to established businesses with 3 to 5+ years in business and strong credit (680+ FICO), and are subject to credit approval. Rates for startups vary and are subject to final approval. This is not an offer or commitment to lend. Liberty Capital Group, Inc. 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 fleet trucks 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.
Instant Quote Online
Use our instant online quote calculator to get an accurate no obligation quote.
Apply Online
Complete our quick online application. Application takes 5 mins.
Review Your Options
We will contact you to review your options.
Get Funds
Money will be deposited in your account in as little as 24 hours.