EquipCash

All 50 States — Owner-Operators & Fleet Managers

Semi-Truck & 18-Wheeler Leasing: Flexible Tractor-Trailer Financing

Maximize your fleet's cash flow with industry-leading rates and 24-hour funding. Whether you're an owner-operator financing your first semi-truck or a fleet manager adding multiple 18-wheelers — EquipCash provides the specialized tractor-trailer leasing solutions designed to keep you on the road and in the black.

* 24-hour approval & funding with approved credit. Results depend on credit profile, time in business, and lender conditions.

Apply now — get pre-approved Schedule a call

Owner-operators welcome

New & used trucks

Fleet financing available

Sale leaseback options

Marginal credit considered

$10,000

Minimum financing

No Max

No maximum limit

24 hrs*

Approval & funding

$500K

App-only, no financials

18-wheeler semi-truck financing and leasing at sunset

Fleet of tractor-trailers 18-wheeler financing

Tractor-trailer semi-truck highway financing

We finance leading brands: Freightliner Kenworth Peterbilt Volvo International Mack Western Star

Why lease your semi-trucks and 18-wheelers

Leasing Tractor-Trailers: The Smart Business Decision

In the competitive world of logistics and trucking, your success depends on having reliable equipment without draining your capital. Choosing to lease your semi-trucks and 18-wheelers rather than traditional bank financing offers critical advantages for the modern trucking business.

Lower Monthly Overhead

Leasing a semi-truck typically results in significantly lower monthly payments compared to a standard loan — preserving your daily operating cash for fuel, insurance, and drivers. Keep more working capital in your pocket on every run.

Minimal Upfront Cost

Avoid the massive down payments often required for 18-wheelers and tractor-trailers. Our programs focus on low initial outlays to get you behind the wheel faster — with 100% financing available on approved applications.

Tax Efficiency

Most tractor-trailer lease payments can be treated as a fully deductible operating expense, providing immediate tax relief. Combined with Section 179, financing your semi-truck can dramatically reduce your taxable income in year one.*

Fleet Modernization

Easily upgrade to the latest fuel-efficient semi-truck models at end of lease term. Avoid the punishing maintenance costs of aging 18-wheelers and keep your tractor-trailers current with the newest safety and telematics technology.

Who we serve

Semi-Truck Financing for Every Trucking Business

From solo owner-operators to multi-truck fleet managers — EquipCash structures tractor-trailer financing around your specific operation and cash flow.

Owner-Operators

Getting your first semi-truck or adding a second 18-wheeler? We specialize in owner-operator financing with flexible terms designed around your haul schedule and revenue cycle.

First-time buyers & startups welcome
Marginal credit considered
New & used semi-trucks eligible
App-only to $500K — no financials needed
24-hour approval with approved credit*

Apply now →

Fleet manager semi-truck tractor-trailer financing

Fleet Managers & Carriers

Adding multiple 18-wheelers to your fleet? We offer fleet financing structures that let you scale your tractor-trailer operation without tying up your operating lines of credit.

Multi-unit fleet financing available
Corp-only financing — no personal guarantee
$10,000 minimum — no maximum
Sale leaseback on existing fleet assets
Terms matched to your freight billing cycles

Apply now →

Ready to Finance Your Semi-Truck or 18-Wheeler?

Apply online in minutes — $10,000 minimum, no maximum. Fast approvals, no obligation, serving all 50 states.

Apply now — get pre-approved Schedule a call

🔒 No obligation · All 50 states · Consult tax advisor re: deductibility*

Sale Leaseback — Unlock Your Fleet Equity

Sale Leaseback for Semi-Trucks & 18-Wheelers

If your capital is tied up in the equity of the tractor-trailers you already own, a Sale-Leaseback is a powerful tool to inject immediate liquidity into your trucking business.

EquipCash purchases your existing semi-trucks or tractor-trailers at their current appraised value — then leases them back to you for a fixed monthly term. Your trucks never leave the road. Your drivers keep their routes. The only thing that changes is the cash in your account.

How it works for trucking companies

You sell your existing 18-wheelers or tractor-trailers to a lender at their current appraised market value. The lender immediately leases them back to you under a fixed monthly payment. Your trucks stay on the same routes — the only difference is a lump sum of working capital deposited into your account.

Immediate cash injection — Convert your truck equity into working capital to pay off high-interest debt, fund payroll, or expand your operations.
Off-balance sheet financing — Improve your debt-to-equity ratio by converting a fixed asset into a manageable operating lease.
Retain full usage — You continue to operate your 18-wheelers without any interruption to your routes or schedules.
Tax-deductible payments — Swap unpredictable depreciation for 100% deductible fixed monthly lease payments.*
No minimum fleet size — Works for a single semi-truck or an entire tractor-trailer fleet. $10,000 minimum, no maximum.

Apply here Schedule a call

🔒 No obligation · $10,000 minimum · No maximum · Consult tax advisor regarding deductibility*

Who it works for

Owner-operators, regional carriers, last-mile delivery fleets, and any trucking company with paid-off semi-trucks or 18-wheelers worth $10,000 or more.

Typical timeline

Most tractor-trailer sale-leaseback transactions fund within 5–10 business days. 24-hour approval with approved credit.*

How much can I get?

Typically 80–100% of the current appraised value of your semi-trucks or tractor-trailers. $10,000 minimum — no maximum.

Routes stay uninterrupted

Your drivers keep their keys and their routes. Nothing changes operationally — only the cash in your account increases.

Fleet of tractor-trailers semi-trucks sale leaseback financing

Blue tractor-trailer 18-wheeler leasing financing

Vocational & specialized truck financing

Not Every Job Happens on the Interstate

We provide specialized lease and finance structures for the vocational vehicles that power local infrastructure and specialized commerce. Whatever the truck, we have a financing structure for it.

🏗️ Construction & Heavy Duty

Financing for the trucks that move the earth and build the infrastructure

Cement truck mixer financing and leasing

Cement Trucks

Finance the full chassis and the specialized mixing drum equipment with terms that match your project cycles and pour schedules. New and used mixers eligible.

🪨

Dump Trucks

From light-duty haulers to heavy tri-axle dump trucks, we provide the Access to Capital the construction industry needs. Single units or full dump truck fleets.

🚚 Delivery & Specialized Services

Financing for the trucks that serve your customers every single day

❄️

Refrigerated Trucks (Reefers)

Protect your cold-chain logistics with the latest temperature-controlled reefer technology. Finance the truck, the refrigeration unit, and installation as one package.

🍔

Food Trucks

Specialized funding for mobile kitchens — covering both the vehicle chassis and the full custom kitchen upfit, equipment, and permits in a single financing package.

🔧

Flatbeds & Service Trucks

Whether you need a heavy-duty flatbed for hauling steel or a specialized service truck for field repairs, we fund the tools that get the job done — including body upfits.

FAQs

Frequently asked questions

Frequently Asked Questions

Semi-truck, 18-wheeler & tractor-trailer financing — answered. Contact us or schedule a call if you don't see yours.

Yes. EquipCash specializes in owner-operator financing including first-time buyers. We understand the trucking business and have lender relationships specifically designed for operators who are new to equipment financing or who are purchasing their first 18-wheeler. A strong personal credit profile, a haul contract or load board activity, and a clear business plan all help support your application. Application-only financing available up to $500,000 — no financial statements or tax returns required.

A sale leaseback allows you to sell your existing semi-trucks or tractor-trailers to a lender at their current appraised value and immediately lease them back for continued use. Your trucks never leave the road — your drivers keep their routes and schedules without any interruption. The lump-sum cash is deposited directly into your account, which you can use to pay off high-interest debt, fund payroll, add new trucks to your fleet, or cover insurance and fuel reserves. It's especially powerful for trucking companies that have paid off their 18-wheelers and need growth capital without taking on new traditional debt.

Yes. EquipCash finances both new and pre-owned semi-trucks, 18-wheelers, and tractor-trailers. Used trucks from major brands including Freightliner, Kenworth, Peterbilt, Volvo, International, Mack, and Western Star are all eligible. Financing a pre-owned semi-truck is a great way for owner-operators and small fleets to expand their capacity at a lower cost while preserving working capital. The age, mileage, and condition of the truck will factor into lender approval.

EquipCash finances commercial trucks starting from $10,000 with no stated maximum — single semi-trucks, multi-unit 18-wheeler purchases, and full tractor-trailer fleet acquisitions are all evaluated individually. For amounts up to $500,000, we offer an application-only process — no financial statements or tax returns required. For larger fleet purchases, additional documentation may be needed. Terms typically range from 2 to 7 years with fixed monthly payments.

Yes. EquipCash finances the full range of vocational and specialized trucks. This includes cement mixers and ready-mix trucks, dump trucks (light-duty through heavy tri-axle), refrigerated trucks and reefer units, flatbed trucks and heavy haulers, food trucks and mobile kitchens (including the custom upfit), service and utility trucks, and tanker trucks. For vocational trucks, we can often bundle the chassis and the specialized body equipment into a single financing package.

Many trucking clients receive approval within 24 hours with approved credit. Same-day funding is available in many cases. Speed depends on your credit profile, time in business, truck type and age, and documentation completeness. Our streamlined digital application requires no branch visits and is designed to move at the speed of your operation. For up to $500,000, we offer an application-only process — no financial statements required.

With semi-truck financing (a loan), you own the tractor-trailer outright once the loan is repaid — building equity in a long-term asset. With semi-truck leasing, you use the truck for a fixed period with options to buy, return, or upgrade to a newer model at end of term. Leasing typically offers lower monthly payments, preserves cash flow, and makes it easier to upgrade to newer, more fuel-efficient models without the hassle of selling older trucks. EquipCash offers both structures and can help you choose the best fit for your operation.

Yes. EquipCash works with owner-operators and trucking companies that have marginal or less-than-perfect credit. We look at your full business profile — haul contracts, load history, time in business, and the truck itself as collateral — not just your credit score. We have lender relationships specifically designed for borrowers that traditional banks routinely decline. Better credit means better rates, but we have programs for a wide range of credit situations.

Yes. EquipCash provides semi-truck, 18-wheeler, and tractor-trailer financing to owner-operators and fleet managers in all 50 states. Whether you're running interstate freight out of Texas, regional routes in the Southeast, last-mile delivery in New York, or long-haul from California — we can help you get the trucks your business needs to grow.

In many cases, yes. Monthly lease payments on properly structured operating leases are often fully deductible as a pre-tax business expense. Additionally, Section 179 allows many trucking businesses to write off the full value of financed equipment in the year it is placed into service — up to $2,560,000 in 2026. For owner-operators, this can dramatically reduce taxable income. Always consult your tax advisor for guidance specific to your trucking operation and business structure.

Ready to Finance Your Semi-Truck or 18-Wheeler?

Apply online in minutes — $10,000 minimum, no maximum. Our team will follow up quickly with your best options.

Apply now — get pre-approved Schedule a call

🔒 Secure Application · No Obligation · All 50 states · Owner-operators welcome

* 24-hour approval & funding with approved credit. Timelines subject to credit approval, time in business, equipment type, truck age and condition, documentation completeness, and individual lender conditions. Results may vary. EquipCash is not a direct lender — we connect businesses with equipment financing solutions through our network of lenders. Tax information is general in nature; consult a qualified tax advisor regarding Section 179 eligibility and deductibility specific to your business.

EquipCash

Fast, flexible equipment financing for businesses across all 50 states. From $10,000 — no maximum — we fund the equipment that powers your growth. Founded 1998.

Email Send us a message →

Phone 909-781-4040

Mail 23535 Palomino Dr. #383, Diamond Bar, CA 91765

Financing

Company

Blog

* 24-hour approval & funding with approved credit. Timelines subject to credit approval, time in business, equipment type, and individual lender conditions. Results may vary. EquipCash is not a direct lender — we connect businesses with equipment financing solutions through our network of lenders. Tax information is general; consult a qualified tax advisor for guidance specific to your business.