Capital for your next semi truck — Owner Operator Capital
We connect owner-operators with lenders who understand the trucking business to fund rigs, repairs, and cash flow needs.
Soft credit inquiry only. Does not impact your credit score.
- IFTA reporting
- ELD compliance
- Deadhead miles
- Freight factoring
- Reefer maintenance
- Owner-operator lease
- Load board access
- Trailer interchange
Commercial trucking equipment and working capital financing for independent owner-operators
Financing options matched to your situation, in one place.
- Equipment Commercial truck loans Purchase your next rig with terms built specifically for independent drivers.
- Capital Business working capital Manage fuel, insurance, and payroll costs during slow shipping seasons.
- Repair Emergency repair funding Keep your truck on the road with fast access to urgent repair capital.
- Leasing Lease to own programs Flexible options for operators looking to build equity in their vehicle.
- $10K–$500K Loan amounts available
- 24–48 hours Average funding speed
- 1 soft pull No credit score impact
How the money moves.
One soft check to match. One hard pull, and only from the lender you choose. That mechanism is why this is not a broker.
Fast approval
- Decisions occur within one business day.
- Funds reach your account in under 48 hours.
Trucking focus
- Lenders specialize in heavy-duty commercial equipment.
- Programs available for all credit histories.
No upfront fees
- We charge zero application or origination fees.
- No obligation to accept any funding offer.
Why the usual lenders say no.
Your revenue is real. The problem is the form. Here is why traditional underwriting turns away healthy operators in this space, and what we do differently.
Credit history issues
Banks reject operators with minor dings on their report.
Age of equipment
Conventional lenders fear financing trucks over five years old.
Time in business
You lack two years of tax returns for bank approval.
What a funded request actually looks like.
Composite illustrative scenarios, not specific borrowers. Each is built from the kinds of requests this niche routinely sees.
Single driver
Used dry van purchase
Small fleet
Major engine rebuild
Owner-operator
Commercial vehicle insurance payment
Startup operator
Heavy-duty truck lease
Managing your trucking business
Access tools for IFTA reporting, ELD compliance, and freight factoring to improve your bottom line and streamline your operations in 2026.