Best Trucking Loans for 2026
We reviewed 11 lenders to find the best trucking business loans and semi truck financing. Compare rates, requirements, and approval times — all in one place.
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Short Answer
The best trucking loans in 2026 come from eBoost Partners (best overall marketplace), Taycor Financial (best for equipment over $100K), and National Funding (best for bad credit). Rates start at 5.49% APR for 680+ credit. Equipment loans, SBA, lines of credit, invoice factoring — compare all types below.
Key Takeaways
- → Equipment loan rates start at 5.49% APR for 680+ credit with 2+ years in business.
- → Loan amounts range from $5,000 to $2M+ depending on lender and collateral.
- → Bad credit options exist from 500 FICO — expect 15–30% APR at those levels.
- → SBA loans offer the lowest rates (Prime + 2.75%) but take 90–120 days to close.
- → Invoice factoring gives same-day cash against invoices — no credit check, no debt.
Best Trucking Loan Lenders 2026
Ranked by overall score. See our ranking methodology.
eBoost Partners
Sponsored Comparing multiple lenders fastAmount
$10,000–$500,000
Rates From
6.49%
Terms
12–84 months
Min. FICO
500
Taycor Financial
Fleet financing and specialty trucks ($100K+)Amount
$5,000–$2,000,000
Rates From
5.99%
Terms
24–84 months
Min. FICO
600
Crest Capital
Equipment loans with lowest rates for 680+ creditAmount
$5,000–$500,000
Rates From
5.49%
Terms
24–72 months
Min. FICO
650
National Funding
Bad credit applicants, under 2 years in businessAmount
$10,000–$500,000
Rates From
8%
Terms
24–60 months
Min. FICO
500
Advertising disclosure: eBoost Partners is a paid partner. Learn more.
See all 11 lenders →All Trucking Loan Types
Match your situation to the right loan type.
Semi Truck Financing
Most PopularNew or used Class 8 trucks. Rates from 5.49%. Terms up to 84 months.
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Owner Operator Loans
Financing built around self-employed income and CDL + MC authority.
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Bad Credit Trucking Loans
500+ FICO500+ FICO accepted. Equipment loans with 20% down, even for damaged credit.
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No Money Down
Zero down programs for 680+ credit. Not always advertised — ask lenders directly.
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Startup Trucking Loans
New AuthorityNew authority? CDL + MC number + 10% down unlocks options at CAG and others.
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Equipment Financing
Loan vs lease comparison, collateral rules, and depreciation schedules.
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SBA Loans for Trucking
Lowest RatesPrime+2.75% — the lowest rates available. 90-day process for established businesses.
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Invoice Factoring
Same DaySell your freight invoices for same-day cash. 2–5% fee, no debt, no credit check on you.
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Fleet Financing
Finance 3+ trucks under one facility. Volume discounts of 0.5–1% lower APR.
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Line of Credit
Revolving credit from 6.2% for fuel, repairs, and payroll gaps.
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Trailer Financing
Dry van, reefer, flatbed, tanker. Trailers often get 0.25–0.5% lower rates than trucks.
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Working Capital
Short-term cash for operating expenses. Faster than a term loan, cheaper than an MCA.
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Semi Truck Financing by State & City
State-specific freight market context, carrier regulations, and lenders operating in your area.
TX Texas 6 pages
CA California 6 pages
FL Florida 5 pages
IL Illinois 5 pages
PA Pennsylvania 4 pages
OH Ohio 5 pages
GA Georgia 4 pages
TN Tennessee 5 pages
MI Michigan 4 pages
IN Indiana 4 pages
AZ Arizona 4 pages
CO Colorado 4 pages
NC North Carolina 4 pages
MO Missouri 4 pages
Dump Truck Financing by State
State-specific construction market data, permit requirements, and lenders financing dump trucks in your area.
TX Texas
CA California
TN Tennessee
NC North Carolina
Food Truck Financing by City
Local permit costs, commissary requirements, top locations, and revenue strategy for your city.
Permit: $700–$1,200/yr · Commissary: $500–$900/mo
Permit: $1,000–$2,500/yr · Commissary: $700–$1,500/mo
Permit: $600–$1,000/yr · Commissary: $450–$800/mo
Permit: $500–$900/yr · Commissary: $450–$750/mo
Permit: $800–$1,500/yr · Commissary: $600–$1,100/mo
Permit: $1,500–$3,000/yr · Commissary: $700–$1,400/mo
Permit: $700–$1,200/yr · Commissary: $500–$900/mo
Permit: $700–$1,200/yr · Commissary: $500–$950/mo
Permit: $800–$1,500/yr · Commissary: $600–$1,100/mo
Permit: $600–$1,100/yr · Commissary: $450–$850/mo
Trucking Finance Learning Center
Guides, explainers, and industry data — everything you need to understand before you apply.
Semi Truck Financing Guide
How rates are set, what lenders look for, and how to qualify.
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Owner-Operator Resources
Self-employment income, LLC setup, lease-purchase traps.
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Bad Credit Trucking Finance
500 FICO paths, credit rebuilding strategy, what lenders actually check.
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SBA Loans for Trucking
7(a) vs 504, step-by-step application, and realistic timelines.
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Industry Insights
Profit margins, freight market data, FMCSA compliance costs.
Explore guide →
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Compare Trucking Loan Options →Advertising disclosure: eBoost Partners is a paid partner. Learn more.