Trucks We Finance

Flatbed Truck Financing

Flatbeds get bought by trades and haulers who need to load from the side or the top instead of the back. Landscapers, steel and lumber haulers, equipment movers and construction outfits all end up in this category. Prices run from modest straight-truck flatbeds up to full Class 8 flatbed tractors, which is why the cash needed at closing spreads so widely here.

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Flatbed Truck Financing At A Glance

Typical purchase price: $25,000 to $120,000
Configurations financed: Straight truck through Class 8 tractor
CDL required: Depends on GVWR and configuration
Rollbacks: 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.

Flatbed Trucks We Finance

Flatbed straight trucks and stake bed trucks
Landscape bodies and dovetail equipment beds
Rollback and car carrier configurations
Class 8 flatbed tractors
Used units from a licensed dealer inventory

What Operators Use Them For

Hauling building materials, steel and lumber
Moving skid steers, mini excavators and attachments
Landscaping and hardscape material delivery
Vehicle transport with a rollback
Oversized and irregular freight

What Matters On A Flatbed Truck Deal

The lender reviews the specific truck as part of the transaction, including year, make and model, mileage, truck type and specifications, and on a flatbed the bed or body configuration is part of those specifications.

A flatbed straight truck can land near the bottom of the $21,000 to $145,000 range, which makes it one of the more affordable ways to start. An established business is typically 30% down and a startup is typically 40% down with 2 years of industry experience.

The truck must be purchased from a licensed dealer and there is no minimum credit score. The trades and hauling examples on this page are educational context only, so you can independently confirm the truck fits the work you plan to perform.