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All equipment financing

Trucking & Trailers

Trucking and trailer financing built for owner-operators.

From a first sleeper tractor to a small fleet expansion. Lenders that understand owner-operator economics and structures that flex when the revenue does.

Apply nowText (503) 703-5045

What we finance

Trucking categories we place every week.

  • Over-the-road sleeper tractors
  • Day cabs
  • Dump trucks
  • Box trucks
  • Reefer trailers
  • Flat-bed trailers
  • Utility trucks
  • Tow trucks
  • Vocational trucks
  • Log trucks

Why JCF for trucking

What sets trucking deals apart.

  • Lenders that get inconsistent revenue.

    Trucking revenue swings month to month, especially for newer operators. JCF works with lenders that look at the trend instead of the most recent 90 days.

  • Creative structures for owner-operators.

    Delayed first payments, seasonal adjustments, balloon options — when a deal needs flexibility to close, we shop for lenders that can flex.

  • Flexible down-payment programs.

    Collateral in place of cash down, lower down payments for stronger credit, larger down payments for thinner profiles. We tailor it to your situation.

How financing works

Terms tend to flex around the truck.

Newer equipment unlocks longer terms and lower rates; older equipment gets shorter terms with a stronger down payment to compensate. Mileage and condition factor in heavily. We'll walk you through what a specific truck unlocks before you put a deposit down.

Quick primer

What is an EFA?

More terms

Trucking customers

Deals that closed, in their words.

  • Tim worked with the lender to delay my first payment for 90 days. I will definitely be using Joslen Commercial Funding for my next purchase.

    Daymeon BradfordWorldwide Web Solutions Transport, LLC, View Park, CA

  • Tim kept in contact for many months before I was finally ready to purchase a reefer trailer. The process was quick and done with professionalism. I'm working with JCF again on the next trailer.

    Drazan BhattiLilly of Valley Transport, Everett, WA

  • An out-of-state dealer in Oregon referred us. They deal exclusively with Tim, and now I know why. Professionalism, knowledge of the lender market, and seven-day-a-week communication. Highly recommended.

    Veronica VillanuevaR&V Mobile Auto Repair, Winnemucca, NV

Common questions

What buyers ask before they reach out.

See the full FAQ

Ready when you are

Get your next truck financed.

We review every application personally and get back within one business day.

Apply nowText (503) 703-5045