BOX TRUCKS & STRAIGHT TRUCKS
Box truck financing and leasing
Box truck financing gets the truck lettered and loaded without tying up the cash a growing route needs. We finance new and used straight trucks from 16 to 26 feet, cutaways and step vans, refrigerated bodies and liftgates, from any dealer, auction or private seller: a single truck for a first contract or a fleet for an expanding delivery operation. Startups are considered. Transactions start at $10,000.
What we finance
New or used, from any vendor, dealer or auction. Named manufacturers are examples of what this covers, not a limit — if what you need is not on this list, ask.
- Class 6 and 7 straight trucks — Freightliner M2 106, International MV, Hino L Series
- Cabover box trucks — Isuzu NPR-HD, NRR and FTR
- Non-CDL trucks at 26,000 lb GVWR with 24 and 26 foot bodies
- Cutaway and step van chassis — Ford E-450 and F-59, Ram ProMaster, Mercedes Sprinter
- Dry freight bodies — Morgan, Supreme, Rockport, Wabash Duraplate
- Refrigerated bodies with Carrier Supra and Thermo King units
- Liftgates — Maxon, Tommy Gate, Waltco, Palfinger, financed with the truck
- Electric box trucks — Rizon, Ford E-Transit, Mullen ONE and charging
- E-track, shelving, ramps, load bars and interior build-out, financed with the truck
- Used, off-lease and ex-rental fleet trucks
Why lease it
01
Add trucks as the routes come
Routes arrive one at a time and so should the trucks. Financing lets you put a truck on the road for the contract you just won rather than the one you hope to win next year.
02
Body, liftgate and chassis on one lease
A chassis, a body from an upfitter and a liftgate from a third supplier is three invoices for one truck. They go on one lease and come out as one payment.
03
Own the truck at the end
Full-service rental never stops billing and never hands you a title. A lease that ends in ownership turns the same monthly money into equipment on your balance sheet.
Box truck financing by type
Every type below is financed new or used, and upfitting and delivery can go in the amount financed.
16 to 22 foot box trucks
Cabover and conventional straight trucks for local delivery, moving and service work, with a dry freight body from the dealer or an upfitter on the same agreement as the chassis.
24 and 26 foot box trucks
The largest straight trucks, usually built at 26,000 lb GVWR with a liftgate for furniture, appliance and last-mile freight. One truck for a first contract or several for a fleet.
Refrigerated box trucks
Insulated bodies with Carrier Supra or Thermo King units for food and temperature-controlled delivery. Truck, body and refrigeration unit go on one agreement. For over-the-road freight, see reefer trailer financing.
Liftgates and upfits
A liftgate, e-track, shelving or ramps go in the same amount financed as the truck. A liftgate on its own, for a truck you already own, usually costs less than $10,000, so it does not qualify by itself. Bundled with a truck or other equipment totalling $10,000 or more, it does.
Step vans and cutaways
Walk-in step vans and cutaway chassis with a van body, for parcel, route and service work. For a kitchen on wheels, see food truck financing.
Used and ex-rental box trucks
Off-lease, ex-rental and private-party trucks are financed the same way as new. An older truck selling for under $10,000 does not qualify on its own, but two trucks, or a truck bundled with other equipment, totalling $10,000 or more does. More on used equipment financing.
New, used or rented: comparing box truck options
The right choice depends on how long the work lasts. For how a lease and a loan differ, see equipment lease vs loan.
A new box truck
The body, liftgate and refrigeration are specified to the work. The amount financed is larger, and a term up to 60 months spreads it out.
A used box truck
The amount financed is smaller and the truck is often available now. The term is matched to the age and condition of the truck, so an older one may carry a shorter term.
A rental
Suits a short job or a seasonal peak, and there is nothing to finance. Rental never ends in ownership, so a truck that works most weeks of the year usually suits a lease or an equipment finance agreement better.
Startups, owner-operators and credit
Startups
Startups are considered, based mainly on the owner's personal credit and industry experience. More on startup equipment leasing.
Owner-operators
An owner-operator buying a first box truck, or adding a second, applies the same way as any business. Send the listing for the truck with the one-page application.
Credit
We can't promise an approval with bad credit. Credit history is reviewed along with time in business, industry experience, the size of the transaction and the truck itself, and each application is reviewed on its merits. See equipment financing credit requirements.
What sets the payment on a box truck
Four things decide the monthly number. To see a range before you talk to anyone, use the equipment lease calculator.
The whole cost of the truck
The chassis plus the body, liftgate, refrigeration unit and any upfit or delivery. Those soft costs can be included in the amount financed, which makes it larger but keeps that cash in the business.
The term
Usually 24 to 60 months. A longer term lowers the payment. The term is matched to the age and condition of the truck, so an older used truck may carry a shorter one.
The end-of-term option
A fair market value lease has a lower payment and lets you return or trade the truck. A $1 buyout lease or an equipment finance agreement costs more each month, and you own the truck at the end.
The business behind it
Time in business, credit history, industry experience and the size of the transaction. Up to $150,000 is usually decided on a one-page application without financial statements.
FREE QUOTE
Get a custom quote in minutes
Tell us what equipment you need — from any list above, or something that is not on one. An ACG specialist follows up, typically within 24 hours, with options built around your business.
Business equipment financing. $10,000 minimum. We do not finance personal or household purchases.
- — NO OBLIGATION, NO HARD CREDIT PULL
- — NEW OR USED, ANY VENDOR
- — OR CALL (949) 822-3017
Three steps to your equipment
01
Request a quote
Use the form above or call (949) 822-3017. No obligation and no hard credit pull to get a number.
02
Secure approval and sign
Most decisions come back the same day. Documents are signed online.
03
Order your equipment
We deal with the vendor directly — payment, inspection and delivery — so you can keep running the business.
Box truck financing questions
How does box truck financing work?
Send the dealer's quote or the listing with a one-page application. Up to $150,000 is usually decided without financial statements, and quotes usually come back the same business day. Terms run 24 to 60 months, and we pay the seller directly.
Can I get box truck financing for a startup?
Startups are considered, based mainly on the owner's personal credit and industry experience. The truck can be new or used, from any dealer, auction or private seller.
Can I lease a box truck with bad credit?
We can't promise an approval with bad credit. Credit history is reviewed along with time in business, industry experience, the size of the transaction and the truck itself, and each application is reviewed on its merits. Some applications are declined. Applying is the way to get an answer for your business.
Do you finance used box trucks?
Yes. Used, off-lease and ex-rental box trucks are financed from dealers, auctions and private sellers. The term is matched to the age and condition of the truck. Transactions start at $10,000.
How much does it cost to finance a box truck?
The payment depends on the total cost of the truck and its upfits, the term, the end-of-term option and the business applying. Send the quote through the form on this page and we return payments for each term, usually the same business day. For a range first, use the equipment lease calculator.
Can a liftgate and a refrigerated body go on the same lease?
Yes. A liftgate, a reefer unit, shelving and any other upfit can be written into the same lease as the chassis and body, even when they are invoiced by different suppliers. A liftgate on its own usually costs less than $10,000, so it does not qualify by itself.
Should I lease or rent a box truck?
Rental suits a short job or a seasonal peak. If the truck will work most weeks of the year, a $1 buyout lease or an equipment finance agreement puts the monthly cost toward a truck the business keeps. A fair market value lease has a lower payment and lets you return or upgrade the truck at the end of the term.
Do I need a CDL to finance a 26 foot box truck?
No. Financing does not depend on the class of license. Most 26 foot box trucks are built at 26,000 lb GVWR so they can be driven without a CDL, but check the rating on the truck you are buying.
We finance more than this
VIEW ALL EQUIPMENT TYPES →Know what you need?
An application takes a few minutes and most decisions come back the same day. If you would rather see a payment first, the calculator gives you a range without asking for anything.