Looking to buy a semi-truck and need semi-truck financing? Semi-truck financing is different from traditional vehicle financing and leasing. Traditional truck loans typically require your credit, business revenue, and time in business to determine if you’re qualified.

When it comes to semi-truck leases and loans, the truck you decide to purchase becomes the collateral, which helps to limit the lender’s risk on the truck lease or loan. By reducing the risk you’re more likely to be qualified for truck financing.

When it comes to semi-truck financing we recommend that you get pre-approved first before you go semi-truck shopping. Being pre-qualified first allows you to have a better sense of how much you can spend on your new big rig. But, you don’t have too. You can apply for funding after you find your new or used 18 wheeler. 

Dealing with a credible truck financing company is crucial to your success in the trucking industry. We’ve put together a list of the top 5 best semi-truck financing companies.

  1. TopMark Funding
  2. OTR Leasing
  3. CAG Truck Capital
  4. LRM Leasing
  5. Lone Mountain Truck Leasing

#1. TopMark Funding

TopMark Funding has a proven track record of helping small businesses, owner-operators, fleet owners, and trucking companies like yours grow by offering great semi-truck financing options. They utilize their vast expertise and over 25 funding sources get you the best rates, flexible terms, and monthly payments you can afford that add more profit to your bottom line. They have financing programs for semi-trucks, dump trucks, box trucks, heavy equipment, and more.

  • Small to Large Fleets
  • Guaranteed No Hard Inquiry Quote
  • Get Approved For Up To $250k With 24hours
  • Application Only – Up to $250K
  • 25 Funding Sources
  • Flexible Terms
  • Great Rates
  • Great Service – (866) 627-6644

Learn More About TopMark Funding


#2 OTR Leasing

OTR Leasing is a semi-truck leasing company that specializes in owner-operator financing. It offers low monthly payments on a large selection of late-model used semis for highly qualified customers.

  • Caters To The Owner-operator & Carriers
  • Trucks For Lease
  • Warranty Coverage
  • DRS – Driver Road Services
  • Perfect Payer Program
  • Cabs Program
  • RTS Carrier Services

Learn More About OTR Leasing

#3 CAG Truck Capital

CAG Truck Capital is a commercial vehicle direct financing company in Chadds Ford, Pennsylvania. It specializes in financing commercial trucks, semis, and engine overhauls for owner-operators.

  • Specializes in Owner-Operators
  • Bad Credit Programs
  • Direct Lender
  • Engine Overhaul financing

Learn More About GAC

#4 LRM Leasing

LRM Leasing is a Class 8 tractor and heavy-duty construction equipment lease-to-own company in Davie, Florida. For over 35 years, it has provided affordable leases with no credit checks and financing available.

  • Trucks for sale
  • Multiple dealerships
  • Bad credit leasing
  • No credit checks* (All financing has a credit check during the app process)

Learn More About LRM Leasing

#5 Lone Mountain Truck Leasing

Lone Mountain Truck Leasing is a semi-truck lease-to-own company with locations in Nevada, Iowa, Illinois, Georgia, and Texas. Customers pay a down payment, make monthly payments, and own the semi at the end of the lease period.

  • In-house Financing
  • Truck For Sale
  • 48 Hours Application Process
  • Multiple Dealerships

Learn More About Lone Mountain Truck Leasing

Bottom Line

TopMark Funding is our #1 rated semi-truck financing company. With over 25+ funding sources, great rates, flexible terms, no hard inquiry quotes, and great customer service, TopMark Funding should be your first choice when it comes to financing your new big rig.