Trusted member of the National Equipment Finance Association
Commercial truck and trailer financing for fleets of every size. We shop 40+ lending partners — plus our own direct-lending programs — to find you the best deal, with fast, flexible approvals.
Application #48213
Approved
Truck + 53' trailer package
$3,184/mo
Illustration of the NEF process. Example figures only.
The NEF advantage
Your deal goes to 40+ lending partners and to our own in-house direct-lending program. Lenders compete for your business — and when a bank says no, we still have another way to say yes.
Payment calculator
Play with price, down payment and term. No personal information, no credit pull — just a fast, realistic starting point.
Estimated monthly payment
$0 – $0
Estimates are illustrative, not an offer or commitment to lend. Actual rate, term and down payment depend on credit, time in business, equipment and lender approval.
Financing programs
From a single box truck to a full fleet. Equipment loans, lease-to-own and working capital — structured around how your business actually earns.
Sleepers, day cabs, reefers, dry vans, flatbeds and specialty trailers. Owner-operators to large fleets.
Explore program →
Excavators, dozers, loaders, backhoes, cranes, pavers and forklifts.
Vocational, utility, bucket trucks and buses
Financial records not perfect? We still finance you
Buy it out for very little at the end — or return it
Pre-approval for Ritchie Bros, IronPlanet, Taylor & Martin
Financed like you bought from a dealership
3–18 month loans to smooth out cash flow
Longer-term capital to grow the whole operation
Apply once — we'll match the right program
Programs include
Own your equipment from day one with fixed monthly payments.
For titled trucks and trailers — a pre-set residual value with flexibility at the end of the term.
Lower monthly payments, with the option to buy, renew or return at fair market value.
Payments that follow your cash flow — lighter in slow months, higher when business peaks.
How it works
01 · About 5 minutes
Fill out one simple page. In most cases all we need is the application and the equipment invoice.
02 · Same day
Your account manager compares our direct programs and 40+ lending partners to structure the best terms for you.
03 · As little as 24 hours
Sign electronically and get funded — back on the road, on the job site, or open for business.
Why NEF
NEF was created to make equipment ownership possible for every operator. Go to one bank and you get one answer — we bring you 40+ lending partners and our own direct-lending programs, so you choose the deal that fits.
Going to a single bank
Working with NEF
Programs for every operator and every credit history — not a one-size-fits-all template.
Equipment is just the start. Working capital and business loans keep cash flowing while you scale.
Apply online from the cab or the job site. Approvals keep moving while you keep working.
Industries
Looking to finance your next semi-truck or trailer? Dedicated agents find financing for trucks and trailers fast — with competitive rates and a simple three-step path from application to ownership.
New or new-to-you. As a direct lender and authorized agent, we offer construction equipment programs and rates that outperform — with fast, friendly service from people who know the industry.
Need a line of credit, a business loan or extra liquidity? Companies big and small trust us with the tough financial questions — and a dedicated agent takes you from start to financed.
FAQ
Everything you need to know about financing your next commercial truck or trailer. Still have questions? Call 954-678-4124 or email credit@nefnow.com.
Yes. NEF NOW works with credit scores as low as 500 and evaluates your full financial picture — including business cash flow, time in business and down payment. A larger down payment (20–40%) can significantly improve approval odds for challenged credit applicants.
Typically: government-issued ID, 3–6 months of bank statements, CDL (if applicable), proof of insurance and basic business information (EIN, business address). Startups may need a personal financial statement. Our team will guide you through the exact requirements for your situation.
Most applicants receive a decision within 24–48 business hours. Pre-qualification (soft pull) is available in minutes. Once approved, funding and documentation can be completed in as little as 1–2 business days, so you can take delivery quickly.
Yes. NEF NOW offers startup programs for new businesses. These programs typically require a higher down payment (20–30%) and may rely more heavily on personal credit. Owner-operators starting their first trucking business are encouraged to apply.
Virtually all commercial equipment: semi-trucks (day cabs, sleepers), dry van trailers, refrigerated trailers, flatbeds, dump trailers and more. Both new and used equipment qualify, including units with high mileage on a case-by-case basis.
Prepayment terms vary by lender. Many NEF NOW lending partners offer loans with no prepayment penalty, so you can pay off your equipment early and save on interest. Always confirm the specific terms of your loan agreement before signing.