Refrigerated Trailer Financing

Best Guide to” Refrigerated Trailer Financing”

Most banks won’t do used utility trucks and trailers, but Liberty Capital will do utility trucks and trailers like ‘used refrigerated trailer’ whether you want to buy from a dealer or private seller, you will get the best financing with Liberty Capital. Based on how the condition report returns, a 15 year old refrigerated trailer can still get approved for up to 60-month financing term with our refrigerated trailer financing programs.

Why Financing Refrigerated Trailer Matters

Refrigerated trailer as a business essential can be flexible and dynamic when you’re in the right industry. Industry like produce delivery, hospitality industry, specialty medical cargo and ice manufacturers that requires refrigerated trailer also known as reefer trailer, can easy get it done through equipment finance. You find it. We finance it. New or used. Fast and cost effective.

Advantages of Choosing Liberty Capital for your Refrigerated Truck Financing.

Leasing equipment that depreciates in value can also preserve working capital. By avoiding using cash for large upfront business expense, businesses can allocate working capital towards using funds that helps grow your company like hiring skilled personnel, marketing efforts, and other operational needs.

Also, using your cashflow or working capital for a fixed asset that depreciated over time is not a good way to hedge against inflation. FInancing equipment can be an inflation buster when dollar is less and less everyday, cash becomes king. Have you heard of the saying “dollar today is worth more than a dollar tomorrow.“

It has a long-life value beyond the amortized loan term. Depreciated assets can be an asset in the balance sheet. It can have terminal value. Most reefer trailers can be financed and amortized for up to 5 years. Or, you can take the full Section 179 if you do capital lease.

Affordability is paramount when investing in refrigerated trailers. Financing offers the advantage of spreading the cost over an extended period, with loan terms of up to 5 years, typically. This results in reduced fixed monthly payments, making these high-ticket items more manageable and affordable for business owners. It’s also an inflation buster from a financial and cashflow standpoint with a fixed monthly payment. While inflation goes up over time you payment remains that’s the beauty of financing just about any fixed business essential assets by way all business owners should take advantage of.

What you get with Liberty Capital...

A, B and C Credit will determine the Rates:

Enjoy competitive rates for qualified borrowers, reducing the overall cost of financing. Our goal is to provide an approval. Your job is to accept or not accept the offer. No harm done. Prior blemishes ok.

Up to 120% Equipment Cost:

Our financing options can cover not only the equipment cost but also associated soft costs like delivery, taxes, install etc..Not all will qualify.

Flexible Funding Amounts:

Access financing ranging from $5,000 with a simple one-page application to $250,000 without full financial package. Structured approval will require financials.

New and Used Equipment Financing:

Whether you’re purchasing new or pre-owned equipment, we’ve got you covered. Sometimes we can do private seller purchase financing as well. Seller must prove ownership.

Corp-Only Availability:

For this it caters exclusively to corporations with strong history and multi-owners. Companies with sole owner or start-ups, Corp-only might apply for financing but will be limited on the amount with very little option in the business lending marketplace.

Approved Equipment Vendors:

We work vendors nationwide, equipment dealers, new or used vendor reseller. Some equipment doesn’t qualify for private seller.

No Pre-Payment Penalties:

Enjoy the flexibility of paying off your loan early without incurring penalties what most sites would say. Well not for equipment leasing, EFA or Equipment Financing. See, these types of funding technically aren’t retail so the agreement is non-cancellable. You’re liable for the full term of the lease term of the agreement whether it’s a Dollar Buyout , EFA or FMV. No one penalizes you for paying but you must pay the remaining term.

Equipment Financing Special for Refrigerated Trailers

Our financing options include:

$0 Down Payment – Or – 1^st Payment Only
No Security Deposit for qualified businesses.
$99 for the First 6 Months: Start with minimal upfront costs.
90-Day Deferred Payments: Pay nothing for the first three months.
Fast Approvals: Apply online for funding up to $250,000 with a streamlined process

Down payment is subject to credit risk of the approval for new and established business. We do A to structured deals so there’s no published rates for most leasing companies. They will never give you the actual rate because varies until final documentation and funding for final disclosure of the term.

No equipment leasing or financing transaction are alike from client to equipment to profiles to vendors. All have varying aspect of the process that can make equipment financing a difficult process to some extent. However, Liberty Capital is an expert in equipment financing, therefore, we’re able to structure any equipment leasing and financing deals. We have the right lenders and investors that will approved specialized equipment and customers.

Select the Right Business Loans for Refrigerated Trailers

Credit Requirements for Refrigerated Trailer Financing:

Features	Business Term Loans	Equipment Leasing	Equipment Financing
Ownership Requirements	50%	100%	100%
Initial Costs	$0 (orig fees)	Low to moderate	Varies
Monthly Payments	Monthly, Daily, Weekly	Monthly	Monthly
Credit Minimum:	550	600	650
Fund Disbursements	Client	Vendor	Vendor
New/Used Equipment	n/a	Yes	Yes
Maximum Term	24 months	60 months	60 months
Time in Business	3+ years	Startup OK	Startup Ok
Interest Rates	Moderate	Low	Low
Application Only	$150K	$250K	S250K
Funding Time	Same Day Funding	1-3 days	1- 5 days

Financing Options for reefer trailer financing: We offer various financing options tailored to your needs:

Equipment Financing: Spread the cost of the utility truck over time with fixed payment terms.
Equipment Leasing: Lease a refrigerated trailer with off-balance sheet financing options like Fair Market Value (FMV) equipment leases.
Equipment Finance Agreement – Equipment finance agreement is not a lease, not a loan but a finance agreement specifically design for business equipment.

Additional Financing Benefits:

$99 for the First 6 Months: Get started with minimal upfront costs.
90-Day Deferred Payments: Pay nothing for the first three months.
Working Capital Loans: Access short-term cash flow solutions for immediate needs.

Preferred Service Truck Vendors:

Need help finding reliable service truck dealers? We’ve got you covered. Let us know your requirements, and we’ll help you find new or Used Truck Dealers who can meet your needs.

Borrow with confidence.

Business loans provide businesses with the flexibility to use the funds for various purposes related to their operations and growth. Common uses include purchasing inventory, expanding facilities, hiring staff, marketing initiatives, and refinancing existing debt.

Successfully managing a business loan and making timely payments can positively impact a business’s credit profile, potentially improving access to future financing at more favorable terms. Conversely, can be said when you missed payments and defaults can negatively affect future borrowings.

Qualify for a working capital loan today.

More Info on Business Term Loans

Equipment Loans for Restaurants

How to apply for Refrigerated Trailer Financing?

What do I need to apply?

1. ONLINE APPLICATION: You can fill out our application, upload and authorized us to process your application. We do soft-inquiry, and our lender will do hard inquiries once you are approved for Equipment Financing only. For working capital soft-inquiry.

2. Banks statements (3-4 months) – Proof income, proof of banking, and proof funds availability in case down payment is needed and to match for ACH Payment Drafting – as an auto pay.

***if you’re looking to finance restaurant equipment, please include an Equipment Invoice or Quote for the equipment you want to buy. Multiple vendors accepted. We’ll lump them into one monthly payment for you up to 60 months. Equipment and Vendor both subject to final approval.

Unlock Your Financial Potential Today!

Ready to turn your dreams into reality? Take control of your financial future with our flexible financing solutions. Whether you’re starting a new venture, expanding your business, or pursuing personal goals, we’re here to support you every step of the way.

For over two decades, small businesses have trusted Liberty Capital Group for reliable, transparent funding, making us their go-to source for small business loans and equipment financing.