Financing for commercial trucking fleets — Fleet Capital Exchange
We connect US logistics managers and fleet owners with vetted lenders to fund vehicle expansion, equipment maintenance, and working capital needs.
Soft inquiries only, your credit score remains untouched.
4.9 Excellent · 3,200+ reviews via Big Think Capital- Owner-operator
- Bridge financing
- Equipment lien
- Working capital
- Fleet expansion
- Soft inquiry
- Heavy-duty assets
- Maintenance reserve
Commercial trucking fleet financing and capital solutions for US-based fleet owners
Financing options matched to your situation, in one place.
- Equipment Heavy-duty truck loans Purchase trucks or trailers with fixed monthly payment schedules.
- Capital Operational cash flow Liquid cash to cover fuel costs, payroll, or emergency repairs.
- Bridge Short-term liquidity Rapid funding to bridge financial gaps until long-term loans close.
- Refinance Loan consolidation Restructure existing debt to lower rates and monthly obligations.
- $10K–$5M Loan amounts available
- 24–48 hours Typical approval speed
- 1 soft pull No impact to credit
What business owners say
4.9-
This company was lightning fast and the experience was amazing. Thank you, Dan — you're a real pro!
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Good service Joseph Krajewski is the best agent ever. He provided excellent service. I strongly recommend working with him if you have the opportunity.
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They gave me a chance when nobody else would. I'm very satisfied.
How the money moves.
One soft check to match. One hard pull, and only from the lender you choose. That mechanism is why this is not a broker.
Fleet-specific lending
- Lenders understand heavy-duty vehicle depreciation curves.
- Funding tied to assets rather than personal credit alone.
Fast approval cycle
- Automated underwriting reduces paperwork to hours.
- Decisions provided within 48 hours for qualified applicants.
Flexible credit terms
- Bad credit fleet financing available for established ops.
- Terms structured around your specific revenue cycles.
Why the usual lenders say no.
Your revenue is real. The problem is the form. Here is why traditional underwriting turns away healthy operators in this space, and what we do differently.
Younger business age
Traditional banks require 3 years of tax returns for commercial loans.
Fluctuating revenue
Conventional lenders deny applications due to seasonal cash flow dips.
Asset depreciation
Traditional institutions view older trucks as risky collateral.
What a funded request actually looks like.
Composite illustrative scenarios, not specific borrowers. Each is built from the kinds of requests this niche routinely sees.
Logistics CEO
Purchasing 5 used Class 8 sleepers for fleet expansion.
Owner-Operator
Emergency transmission replacement and tire inventory.
Small Fleet Owner
Bridge funding to cover fuel costs during contract lag.
General Freight
Refinancing 12 existing truck notes to lower monthly rates.
Trucking insurance requirements
Expanding your fleet changes your risk profile. Our guide covers liability limits and cargo coverage mandates for 2026 fleet operations.