Compare equipment financing for trucking and freight from 50 lenders in one application. The lenders that fund trucking companies bid for your deal — real offers in about 24 hours, no effect on your credit.
Trucks, trailers, reefer units, and fleet upgrades are exactly what equipment financing is built for. EQ Funding routes your trucking company to 50 lenders that fund the asset itself — new or used — so the equipment secures the deal and your cash stays free for fuel, payroll, maintenance, and new routes.
Instead of applying to one lender and hoping, you apply once and the lenders that actually fund trucking companies compete for your business. You compare real offers side by side and take the best terms — with no effect on your credit to look.
Up to 100% of cost on trucks, trailers, reefer units, and fleet upgrades, new or used — the equipment is the collateral.
Financed equipment can still qualify for the Section 179 deduction in the year it goes into service.
Free up working capital for fuel, payroll, maintenance, and new routes.
Six questions. No documents required to start. No effect on your credit score.
Review the 8–12 lenders matched to your profile and choose who to apply to. Your file goes only to the lenders you select.
We negotiate the best terms with each lender you selected and send you their real offers — side by side on APR, term, and payment.
One signature. Funds wire direct from the lender. Median: under 2 days end-to-end.
Yes — trucking companies are a core fit. EQ Funding routes your file to the lenders in our network that specifically fund businesses like yours, so you see offers from the lenders most likely to approve you rather than a single bank's yes-or-no. The application takes about two minutes and there is no effect on your credit to see what you qualify for.
Most commonly fuel, payroll, maintenance, and new routes. There are typically no restrictions on use beyond the product itself — you take the capital and put it to work. If your need is more specific, the application lets you say so, and we route you to the lenders that fund that use.
First offers typically arrive within about 24 hours of applying, and funding can follow in as little as 48 hours once you accept. Asset-based and revenue-based products tend to move fastest; SBA-backed options take longer but carry the lowest rates and longest terms.
Comparing offers is a soft pull with no effect on your credit score — a hard inquiry only happens once you accept a specific lender. And it costs you nothing: EQ Funding is paid by the lender when your deal closes, never by you.
Equipment financing typically structures as a lease-to-own or loan secured by the equipment itself. Equipment loans are term loans where the equipment is collateral. Both can be Section 179 deductible — your CPA can advise which fits.
Yes. Most equipment financing lenders fund used equipment up to 10–15 years old, depending on type and condition. Construction, trucking, and medical equipment have specialized lenders for older units.
Equipment financing has flexible credit requirements because the asset itself collateralizes the loan. 580+ FICO qualifies for most equipment loans. 650+ unlocks the best rates and 100% financing including soft costs.
Yes. Equipment financed or leased typically qualifies for Section 179 deduction in the year placed in service — even though you only paid a portion. Talk to your CPA about the current deduction limit.
Yes, including soft costs (delivery, installation, taxes) — common for borrowers with 650+ FICO. Lower credit may require 10–20% down. Our network includes lenders for both scenarios.
Six questions. Two minutes. No effect on your credit score. Real offers from 50 lenders within 24 hours.