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Transportation Equipment Financing | Truck & Fleet Loans equipment financing
Industry Financing

Transportation Equipment Financing | Truck & Fleet Loans

Get transportation equipment financing for commercial trucks, trailers, and fleet vehicles. Our truck equipment loan programs offer flexible terms, competitive rates, and fast approvals for owner-operators and trucking companies alike.

How it Works

Equipment Age

New & Used

Payment Style

Fixed Monthly

Credit Score

630+ Accepted

Speed

Approval in 4 hours

Transportation Equipment Financing Built for Trucking Professionals

Looking for a transportation equipment loan that fits your business? Whether you're an owner-operator buying your first rig or a fleet manager expanding operations, our partner Cardiff provides commercial equipment financing that keeps your wheels turning. Learn more about how equipment financing works.

Submit a 5-minute application and get approval in as fast as 4 hours. Cardiff covers credit scores starting at 470+, offers flexible 12-84 month terms, includes $0 down payment options, and finances both new and used commercial vehicles.

Why Choose Cardiff for Transportation Equipment Financing?

Traditional banks often don't understand the transportation industry. Cardiff does.

Fast Approval: Cardiff's 5-minute application and 4-hour approval timeline mean you can negotiate at dealerships with confidence and bid at auctions knowing your budget.

Flexible Credit Requirements: Scores starting at 470+ accepted, among the most accessible minimums in the industry. Strong cash flow and revenue can compensate for credit challenges.

Zero Down Options: Cardiff's $0 down programs preserve cash flow for fuel, maintenance, and operations rather than tying up working capital in down payments.

New and Used Equipment: Cardiff finances commercial vehicles from dealers, auctions, or private sellers across all purchase sources.

Commercial Equipment Loan Options

Cardiff's transportation equipment financing covers the full range of commercial vehicles that keep freight moving across the country:

Class 8 Semi-Trucks

  • Freightliner
  • Peterbilt
  • Kenworth
  • Volvo
  • International
  • Day cabs and sleepers

Trailers of All Types

  • Dry van
  • Flatbed
  • Refrigerated (reefer)
  • Step decks
  • Lowboy trailers

Delivery Fleet Vehicles

  • Box trucks
  • Straight trucks
  • Cargo vans
  • Sprinter vans

Specialty Commercial Equipment

  • Tow trucks
  • Dump trucks
  • Tanker trucks
  • Car haulers

Don't see your equipment? Cardiff finances most transportation equipment. Their truck equipment financing programs cover a wide range of commercial vehicles.

Equipment Financing for Owner-Operators

Starting or growing your own trucking business? Cardiff's truck equipment loan programs work well for independent owner-operators:

BenefitDetails
Low time-in-business requirementOnly 6 months required for newer operators
Accessible credit minimumsCredit scores from 470+ accepted
Zero down options availablePreserve cash for fuel and operations
Fixed monthly paymentsCash flow friendly budgeting

Cardiff's commercial equipment financing programs work well for experienced drivers becoming owner-operators for the first time. Your CDL and driving experience matter, and the 6-month minimum business history makes Cardiff one of the most accessible options for new owner-operators.

Fleet Expansion Made Simple

Growing your fleet? Cardiff's commercial equipment financing streamlines the process:

  • Fast Approvals: 4-hour decisions keep your expansion on schedule
  • Volume Financing: Options for multiple vehicles up to $250K per loan
  • Consistent Payments: Easier budgeting and planning
  • Direct Lender Speed: No broker delays — Cardiff funds directly

Apply in 5 minutes. Get approval in 4 hours. Start generating revenue with your new equipment.

Ready to start? Use our equipment financing calculator to estimate payments, or check your eligibility in minutes. Explore Section 179 tax deductions to maximize your equipment purchase savings.

Why Finance Your Equipment?

New & Used Vehicle Financing

Our equipment financing covers both new and quality used trucks, trailers, and commercial vehicles from dealers or private sellers.

4-Hour Approval

Cardiff's 5-minute application and 4-hour approval timeline let you walk into dealerships ready to negotiate the same day.

All Purchase Sources Accepted

Use your equipment loan for authorized dealers, auctions, or private party sales - we work with all sources.

Simple Application Process

Our technology platform streamlines documentation for commercial equipment financing, getting you approved faster.

3-7 Year Loan Terms

Match your equipment loan payments to vehicle lifecycles and freight revenue patterns with flexible terms.

Owner-Operator Programs

Specialized truck equipment financing designed for independent operators starting or scaling their business.

What Can You Finance?

Semi-Trucks
Trailers
Box Trucks
Cargo Vans

Frequently Asked Questions

Can I get an equipment loan for a used truck with high mileage?
Yes, our transportation equipment financing covers used commercial trucks. Approval depends on the truck's age, mileage, condition, and maintenance history. We typically finance trucks up to 10-15 years old with documented maintenance records.
Do I need a CDL for truck equipment financing?
For Class 8 semi-trucks, you'll need a valid commercial driver's license. For smaller commercial vehicles like box trucks and cargo vans, a standard driver's license is usually sufficient for your equipment loan approval.
Is equipment financing available for new owner-operators?
Absolutely. Our truck equipment loan programs work with new owner-operators who have trucking experience and a valid CDL. You'll need a credit score of 630+ and a down payment (typically 10-20%). Prior industry experience counts, even without your own authority.
What credit score is required for transportation equipment financing?
Cardiff's commercial equipment financing accepts credit scores as low as 470+, among the most accessible minimums in the industry. Lower scores may receive higher rates or require a larger down payment, but Cardiff's flexible underwriting considers your complete financial picture including revenue and cash flow.
Can I finance the down payment for my truck equipment loan?
The equipment loan itself requires a down payment (usually 10-20%). Some owner-operators use separate unsecured business loans or lines of credit for down payment funds. Ask about your complete financing options during consultation.
Why choose Cardiff for transportation equipment financing?
Cardiff specializes in commercial equipment financing across the trucking industry with $0 down payment programs that preserve working capital for fuel, maintenance, and operations. Their 5-minute application, credit acceptance starting at 470+, and approval in as fast as 4 hours set them apart from traditional banks that don't understand transportation businesses.
What types of commercial equipment can I finance?
Our equipment financing covers semi-trucks, trailers (dry van, flatbed, reefer), box trucks, cargo vans, tow trucks, dump trucks, and most other transportation equipment. If you need commercial equipment loan options for specialized vehicles, contact us to discuss your needs.
How long does the equipment loan approval process take?
Cardiff's online application takes just 5 minutes and approval can come in as fast as 4 hours. Full funding timelines depend on documentation and the specific equipment, but the streamlined process is designed to get you on the road quickly within 7-14 days.

Simple 3-Step Process

We've removed the friction from equipment financing. Get back to work faster.

1

Apply Online

Fill out our simple 2-minute application. No paperwork, no tax returns needed for deals under $250k.

2

Get Approved

Review your offers with a dedicated account manager. Pick the term and payment that fits your budget.

3

Get Funded

Sign documents electronically. The lender pays the vendor directly, and you get your equipment.