Trucks We Finance

Box Truck Financing

Box trucks are the most common truck we finance. Box trucks often have lower purchase prices than heavier Class 8 commercial trucks, which can mean a smaller dollar amount is needed for the down payment. Straight trucks in the 16 to 26 foot range sit comfortably inside our purchase price window, which means the down payment stays manageable even when the credit file is not clean. This is the category we see first-time owner operators buy most often.

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Box Truck Financing At A Glance

Typical purchase price: $21,000 to $70,000
Common lengths financed: 16 ft to 26 ft
CDL required: Usually not, under 26,000 lbs GVWR
Refrigerated units: Financed
Purchase price financed: $21,000 to $145,000
Down payment: Typically 30% of the purchase price
Minimum credit score: None
Credit specialty: Credit challenged buyers welcome, with no minimum credit score
Where you can buy: Licensed dealer purchases only
Approval timing: Same day approvals may be available

Every application is reviewed on its own facts. Credit is reviewed, but it is not the deciding factor. Low scores, collections, charge-offs and late payments are workable. No bankruptcy or repossession within the last 5 years.

Box Trucks We Finance

16, 18, 20, 24 and 26 foot straight trucks
Non-CDL box trucks under 26,000 lbs GVWR
Liftgate and non-liftgate configurations
Refrigerated box trucks and reefer body units
Cutaway and cab-over chassis
Used units from a licensed dealer inventory

What Operators Use Them For

Last mile and Amazon-style delivery contracts
Local and long distance moving
Furniture, appliance and equipment delivery
Refrigerated food and produce routes
Regional freight for a small carrier

What Matters On A Box Truck Deal

Box trucks often sit at the lower end of the $21,000 to $145,000 purchase price window, so the typical 30% down payment for an established business is a smaller cash number than it is on heavier equipment. A startup is typically 40% down and needs 2 years of industry experience.

The lender reviews the specific truck as part of the transaction, including year, make and model, mileage, truck type and specifications. Refrigerated and liftgate equipped units are financed, and that equipment is part of the specifications reviewed.

The truck must be purchased from a licensed dealer and there is no minimum credit score. The delivery, moving and freight examples on this page are educational context only, so you can independently make sure the truck fits the work your business plans to perform.