Can I finance a block of trucks under one approval?

Yes — a master lease or master schedule is the right tool here. You get one approval and one document set, then draw against it as units become available, which matters when dealers can only source three or four at a time.

Do you finance liftgates and interior upfits?

Yes. Liftgates, e-track, shelving, and reefer upfits are financeable with the chassis when they are on the same or a companion invoice.

I am a new DSP-style operator. Can I get approved without a track record?

It depends heavily on the route contract. A signed agreement with a named shipper, plus personal credit and 10-20% down, makes a new operator fundable. Without a contract in hand, a first-time operator is a difficult file.

Are cargo vans financed the same way?

Similar process, smaller tickets, and often faster. Sprinter-class and Transit-class vans usually fund inside a week once the dealer invoice is in.

Last-mile fleet

Box Truck & Straight Truck Financing

Last-mile fleets grow in steps, not curves: you win a route contract and you need eight trucks by the start date, or you win nothing. Box trucks are cheap enough per unit that operators try to cash-flow them and expensive enough in a block of eight that cash-flowing them strands the business. This is a category where financing speed is worth more than a quarter point of rate.

Quick answer

Box truck and straight truck financing for last-mile, moving, and delivery fleets. Single units to 40-truck blocks, $35K to $3M. Approvals in 24-48 hours.

Price box trucks & straight trucks financing

Two quick steps. An advisor responds within 24-48 hours.

The numbers on this asset

Typical unit cost

$38K used 16-ft – $115K new 26-ft with liftgate

Financed range

$35K single unit – $3M fleet block

Term

36 – 72 months

Fleet blocks

Master schedules let you add units without re-underwriting each time

Who finances box trucks & straight trucks

Last-mile and Amazon DSP-style operators staffing up for a contracted route count
Moving companies adding seasonal capacity ahead of a summer peak
Distributors bringing delivery in-house after third-party carrier costs outran the math
Appliance, furniture, and building-products retailers adding liftgate-equipped units

Recent structure

Eight trucks against a signed route contract

A last-mile operator in Arizona was awarded a route expansion requiring eight additional 26-foot units with liftgates by a fixed start date 24 days out. We placed it against the route agreement rather than trailing revenue, structured a master schedule so all eight funded under one document set, and financed $743,000 at 60 months. First four units delivered on day 11, remaining four on day 19.

What underwriting actually looks at

Approvals on this asset class turn on a short list of specifics. Have these ready and most files get an answer inside 24-48 hours.

Contracted route or delivery agreement — a signed route is the single strongest item in this file

Fleet size and existing payment history on trucks already on the road

Whether liftgates, shelving, and refrigeration upfits are in the financed amount

Driver staffing plan, since a financed truck without a driver is a payment with no revenue behind it

Box Trucks & Straight Trucks financing questions

Other equipment we place

Vocational trucks

Dump Trucks

$60K – $2M (single unit or fleet block)

Material handling

Forklifts & Warehouse Equipment

$30K – $6M including racking and conveyor

Pre-owned & auction

Used Equipment

$25K – $4M

Get box trucks & straight trucks financing priced

Send the unit, the invoice or auction lot, and three months of bank statements. Approvals typically come back in 24-48 hours and funding follows in 5-10 business days.

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