Truck & Trailer Financing
Trucks and trailers for owner-operators and fleets.
Financing for over-the-road tractors and trailers, sized to how trucking actually works: programs for owner-operators with one truck and tiers for established fleets.
Capco Capital is a commercial lending advisory firm that arranges financing as a loan broker, not a lender. Amounts, terms, and guidelines shown are general ranges that vary by lender, borrower, and (where applicable) property or collateral — they are not an offer or a commitment to lend.
Why Truck & Trailer
Typical highlights — actual eligibility and terms depend on the funding partner and your qualifications.
Who it's for
Owner-operators and small-to-mid fleets with at least two years in business and their own authority. Local, dump, and vocational trucks usually go through standard equipment financing instead.
What lenders typically look for
General market ranges across the programs we place — not a quote, and not a promise of approval. Your specialist confirms what fits your file.
| Typical amounts | Up to about $250,000 per deal |
|---|---|
| Time in business | 2+ years; fleet programs look for longer history and 3+ power units |
| Credit | Around 620+ for owner-operators; tiers run higher for the best structures |
| Down payment | About 0–10%, depending on your credit tier |
| Equipment | Trucks generally 10 years old or newer and under 500,000 miles |
| Paperwork | Application, truck invoice or bill of sale, authority and insurance |
| How fast | Clean files often get a decision in one to three business days. |
How it works
The same five steps for every deal we place — including the parts other lenders gloss over.
Pre-qualify
Two minutes, no credit pull. You get an instant read on your options.
Consult & apply
Talk it through with one of our team members, then submit the full application for your specific loan type — guided the whole way.
Match & negotiate terms
We package your file and place it with the lenders most likely to approve your deal. Offers come back; we compare them side by side and negotiate structure and pricing. You choose — nothing moves without you.
Underwriting & documents
Link your bank or upload documents once. Lenders often request additional documentation in underwriting — normal on nearly every deal, and we quarterback each request so nothing stalls.
Close & fund
Final approval, e-signatures, and closing on a real timeline — working capital in days, property on schedule. Then the capital lands.
Documents you'll typically need
A starting checklist for truck & trailer financing — your specialist confirms the exact list for your funder.
- 01Signed applicationapplication
- 02Photo ID (owner)id
- 033 months of business bank statementsbank
- 04Voided business checkbank
- 05Most recent business tax returntax
- 06Truck / trailer invoice or bill of sale (year, make, VIN, mileage)equipment
- 07Operating authority (MC/DOT number) & insuranceentity
Industries we see use it most
Where truck & trailer financing is one of the best-fit options for how the business earns.
Compare related options
Not sure this is the one? These are the structures owners most often weigh against it.
