TRUCKS, TRAILERS & FLEETS
Trucking equipment financing and leasing
A truck sitting at a dealership is not earning. We finance sleeper and day cab tractors, dry vans, reefers, flatbeds and the equipment that goes on them — for owner-operators buying a first truck, for carriers adding power units, and for fleets replacing tractors on a schedule.
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
- ELD, dash cameras and telematics — Samsara, Motive, Lytx, Platform Science
- Tire programs, liftgates, headache racks, chains and load bars
- Used tractors and trailers from dealers, auctions and private sellers
Why lease it
01
The truck pays for itself as it runs
A tractor generates revenue from the first load. Financing lines the payment up with the freight it hauls instead of asking the business to buy the truck out of money it has not earned yet.
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
Built for owner-operators and small carriers
Most trucking money is written for large fleets. This is written for the one to twenty truck operation, including drivers who just took their own authority and are buying their first tractor.
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) 271-5800
Three steps to your equipment
01
Request a quote
Use the form above or call (949) 271-5800. 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.
Trucking equipment financing questions
Can I finance a semi truck as an owner operator?
Yes. Owner-operators are financed on personal credit, driving and industry experience, the truck itself as collateral and a down payment. A CDL holder buying a first tractor is a normal approval, not an exception, and having your own authority helps but is not always required.
Do you finance semi trucks for a company with new authority?
Yes. Carriers with new operating authority are financed regularly. Underwriting looks at the years you drove before you got the authority, your personal credit, the down payment and the freight you have lined up, rather than at the age of the DOT number alone.
Can I finance a used semi truck with high mileage?
Yes. Used tractors are financed from dealers, auctions and private sellers. Higher mileage or older model years are usually approved on a shorter term with a larger down payment, and an inspection or service records carry weight where a warranty would have.
Can I finance a trailer or a reefer unit by itself?
Yes. Dry vans, reefers, flatbeds and standalone Thermo King or Carrier units are financed on their own, without financing a tractor at the same time, which is how most carriers add trailer capacity ahead of a new contract.
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.