Commercial Truck Financing Guides
Start here if you want to understand the HMTL program before choosing a truck or applying. These resources explain the financing process, confirmed program requirements, used truck purchases, owner operator situations and how to prepare a transaction for review.
9 Resources In This Section
How Commercial Truck Financing Works
A simple explanation of the commercial truck financing process from choosing the truck to getting the dealer funded.
Read MoreCommercial Truck Financing Requirements Explained
The difference between firm HMTL program requirements and the terms that are typical rather than automatic.
Read MoreHow to Get Approved for a Commercial Truck Loan
Practical steps that can help you present a cleaner, more complete commercial truck financing request.
Read MoreBad Credit Commercial Truck Financing Explained
What bad credit commercial truck financing means at HMTL, which program terms are firm, and which are typical.
Read MoreAlternative Commercial Truck Financing When Banks Say No
When a bank says no, the next step is not to assume the truck purchase is dead. It is to see whether the transaction fits another program.
Read MoreHow to Finance a Used Commercial Truck
A practical guide to financing a used commercial truck without assuming the truck has to be new or the borrower has to have perfect credit.
Read MoreCommercial Truck Financing for Owner Operators
Financing guidance for owner operators buying a commercial truck from a licensed dealer, including bad credit and startup files.
Read MoreCommercial Truck Financing for Small Businesses
A small business buys through the same published program. The structure differs for an established business and a startup.
Read MoreHow to Prepare Before Applying for Commercial Truck Financing
A practical pre-application checklist that helps you avoid applying with the wrong truck, wrong seller or wrong cash assumption.
Read More
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.