Hard Money Truck Loans Knowledge Center

Commercial Truck Financing Resources

Straight answers about commercial truck financing when credit is challenged. These guides explain the confirmed HMTL program, truck purchase requirements, down payments, startup rules, documents, common credit problems and financing by truck type.

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Start with the Complete Guide for a full overview, or choose the topic that matches your truck financing question.

Start Here: Cornerstone Guide

The Complete Guide To Commercial Truck Financing With Bad Credit

Start with the Complete Guide for the confirmed HMTL program facts and a clear overview of the commercial truck financing process.

Read The Complete Guide

9 Resources

Commercial Truck Financing Guides

Learn how the HMTL program works, what requirements are firm, which terms are typical and how to prepare a specific truck transaction for review.

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20 Resources

Bad Credit Financing

Learn how HMTL approaches low credit scores, collections, charge offs, late payments and prior lender declines without treating a single score as the whole transaction.

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20 Resources

Financing by Truck Type

Explore financing information for transportation trucks, vocational trucks and trailers, with common business use examples for each equipment type.

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15 Resources

Startup & Owner Operator

Guidance for startups and owner operators, including the typical startup down payment and the 2 years of industry experience requirement.

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15 Resources

Down Payments, Documents & Approval

Understand typical down payments, business bank statements, application steps, timing, preapproval and final approval.

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10 Resources

Truck, Dealer & Collateral

Learn how licensed dealer purchases, truck selection, age, mileage and equipment value relate to a commercial truck financing transaction.

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10 Resources

Real Buyer Questions

Direct answers to common questions from buyers who have found a truck, have money down or have already been declined elsewhere.

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Ready To Get Your Truck Funded?

Tell us about the truck, your business and your situation. We will review whether the transaction fits the HMTL program.

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