SEMI TRUCKS, TRAILERS & FLEETS
Semi truck financing and leasing
A semi truck sitting at a dealership is not earning. We finance day cab and sleeper tractors, heavy haul and vocational trucks, dry vans, reefers, flatbeds and the equipment that goes on them, new or used, from any dealer, auction or private seller. That covers owner-operators buying a first truck, carriers adding power units and fleets replacing tractors on a schedule. 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.
- Sleeper and day cab tractors — Freightliner Cascadia, Peterbilt 579 and 589, Kenworth T680, Volvo VNL, International LT
- Vocational and severe service — Mack Granite, Western Star 47X and 49X, Kenworth T880
- Dry vans and reefers — Wabash, Great Dane, Utility, Hyundai Translead
- Reefer units — Thermo King Precedent and Carrier Vector, including electric standby
- Flatbeds, step decks, RGNs, Conestogas, chassis and dump trailers
- Day cab and yard spotters, hostlers and terminal tractors
- APUs, inverters, bunk heaters and idle reduction, financed with the truck or a fleet order
- ELD, dash cameras and telematics — Samsara, Motive, Lytx, Platform Science, financed with the truck or a fleet order
- Tires, liftgates, headache racks, chains and load bars, financed with the truck or a fleet order
- Used tractors and trailers from dealers, auctions and private sellers
Why lease it
01
The payment runs alongside the freight
Financing spreads the cost of a tractor across the term, so the business pays for it while it hauls freight instead of buying it outright up front.
02
Power unit and trailer on one application
Tractor, trailer and reefer unit can be financed together even when they come from three different sellers, which keeps a fleet addition to one approval instead of three.
03
New or used, from any seller
Tractors change hands at dealers, at auctions and between owner-operators. All of those qualify, and we pay the seller directly so the deal closes the same way each time.
Semi truck financing by type
Every type below is financed new or used. If you are still choosing a configuration, see 7 types of semi trucks explained.
Day cab tractors
For local and regional runs and for yard and port work. Day cabs, yard spotters and terminal tractors are financed with a term matched to the age and condition of the unit.
Sleeper tractors
For long-haul work. Sleepers are financed new or used, with the APU, inverter and bunk heater in the same amount, so that equipment needs no separate agreement.
Heavy haul tractors
Tractors specified for oversize loads, financed with the lowboy or RGN on one agreement, even from two different sellers. See trailer financing and car hauler financing.
Vocational trucks
Severe-service chassis built around one job, with body and chassis on one agreement. See dump trucks, garbage trucks, vacuum trucks and tow trucks.
Straight trucks
A straight truck carries its own body rather than pulling a trailer, so it isn't a semi, but it often sits in the same fleet. See box truck financing.
Used semi trucks
From a dealer, an auction or a private seller. The term is matched to the age and condition of the truck, and we pay the seller directly. More on used equipment financing.
Trailers, with the tractor or on their own
Trailers go on the same agreement as the tractor, even from different sellers, or on an agreement of their own.
Reefer trailers
A refrigerated trailer is financed with its Thermo King or Carrier unit, new or used, one trailer or several. See reefer trailer financing.
Dry van trailers
Dry vans are financed new or used, one at a time or as a group on a single schedule. See dry van and trailer financing.
Cargo, flatbed and tank trailers
Flatbeds, step decks and tank trailers are financed the same way. A small cargo trailer often costs less than $10,000, so one alone does not qualify, but several trailers, or a trailer bundled with a truck, totalling $10,000 or more does.
Owner-operators, startups and credit
Owner-operators
An owner-operator buying a first truck, or adding a second, applies the same way as any business. Send the listing for the truck with the one-page application.
Startups
Startups are considered, based mainly on the owner's personal credit and industry experience. That applies to an owner-operator buying a first truck too. More on startup equipment leasing.
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 semi 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 tractor plus the APU, inverter, tires, any upfit and delivery, and the trailer if it is on the same agreement. 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.
Semi truck and trucking equipment financing questions
How does semi 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 finance a semi truck as an owner operator?
Yes. An owner-operator applies the same way as any business, with the listing for the truck and a one-page application. Startups are considered, based mainly on the owner's personal credit and industry experience. That applies to an owner-operator buying a first truck too.
Can I lease a day cab or sleeper tractor?
Yes. Day cab and sleeper tractors are leased new or used, from any dealer, auction or private seller, over 24 to 60 months. The end-of-term option is chosen up front: a $1 buyout lease, a fair market value lease or an equipment finance agreement.
Can I finance a used semi truck with high mileage?
Used tractors are financed from dealers, auctions and private sellers. The term is matched to the age and condition of the truck, so an older or high-mileage tractor may carry a shorter term, and we pay the seller directly.
How much does it cost to lease a semi truck?
The payment depends on the total cost of the truck and its equipment, 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 I finance a reefer trailer or dry van with the tractor?
Yes. A tractor and a reefer trailer or dry van can go on one agreement even when they come from different sellers. A trailer or a reefer unit can also be financed on its own, without a tractor, when it comes to $10,000 or more.
Can I get semi truck financing 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.
Can I finance an APU, ELDs or tires on their own?
Only when the total comes to $10,000 or more. A single APU, a set of ELDs or a set of tires often costs less than that, so on its own it does not qualify. Added to a tractor or a fleet order that together reaches $10,000 or more, it goes on the same agreement.
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.