Semi-Truck Financing | Commercial Lending USA

Mid-South Commercial Truck Financing

Semi-Truck Financing: Do you need help with how to finance your truck commercially? Commercial Lending USA offers a variety of financing and leasing options for your new 8-wheeler. We can offer customized financing options that meet your needs by working closely with Mack Financial Services and other equipment lenders. Commercial Lending USA will work with you to provide the best commercial truck financing options. We will discuss your financial goals and expectations.

Read More: Commercial Truck Repair Loans

Semi-Truck Financing Options

Commercial Lending USA’s financing team is proud to be able to offer semi-truck customers in the Mid-South a variety of financing options, such as:

  • Standard loan contract
  • TRAC leasing
  • FMV leasing

Standard Loan Agreement

Standard loan contracts are the simplest type of lease and allow you to set your payments. Commercial Lending USA offers financing options that include:

  • Monthly
  • Annual
  • Seasonal

You can skip a payment if you pay the amount within the agreed-upon time frame.

TRAC Leasing

TRAC leasing (also known as Terminal Rental Adjustment Clause) offers lower initial and monthly payments than standard loans. These leases of commercial trucks offer unlimited mileage and may even be eligible for tax benefits.

FMV Leasing

Fair Market Value (FMV leasing) offers lower initial and monthly payments than TRAC and standard contracts. You can also easily return your class-8 truck at the lease’s end. These leases may also have certain tax benefits, but mileage restrictions might apply.

The Commercial Lending USA team can help you set up a plan, no matter your choice.

Financing Our Services

Commercial Lending USA offers a variety of services.

  • Performance tuning
  • Routine maintenance
  • PDF filter services
  • Brake inspection and repair
  • Alignment of wheels
  • Engine repairs and overhauls
  • Electric systems

Getting your services done quickly and allowing you to finance are the best ways to get you on the road again without breaking the bank. To speak to a member of our team about financing commercial truck services, contact us today.

Tri-State Truck Financing for Commercial Truck Financing

Commercial Lending USA can help you find the best financing options, whether you are financing a commercial truck or an urgent service. Call us today for more information or to get started by filling out our credit request.


What is a commercial loan?

According to the Federal Financial Institutions Examination Council (FFIEC), commercial and industrial loans can be for commercial or industrial purposes. They can apply to sole proprietorships or partnerships, corporations, or other businesses, regardless of whether they are secured (other than real estate), unsecured, a single payment, or in installments. Individual loans for professional, commercial, and industrial purposes are included, except for personal spending or investment purposes.

What is the maximum amount I can borrow?

Our installment loan product allows us to lend up to $25,000. A title pawn product allows us to pawn up to $7,500.

How many hours do you work?

We have funding specialists available during these hours:

Monday through Tuesday, 9AM-8PM EST

Wednesday 9AM – 6PM EST

Thursday through Friday, 9AM-8PM EST

Saturday, 9AM-2PM EST

We are closed Sundays to allow our associates to spend time with their families.

What happens if my truck breaks down in the shop?

Big Rig Lending is a specialist in financing repairs. If your truck is in good condition, we can finance it. If you have an emergency, we will send the loan proceeds directly to the repair shop.

Does Big Rig require an inspection?

Although we don’t require an inspection, we will require truck photos. Sometimes, we may ask you to take a video of the truck running from your smartphone.

Which part of the world are you?

We are an online company offering Big Rig commercial lending throughout the United States. Our office is in Historic Downtown Dalton (Georgia), the World’s Carpet Capital.

What is the time frame?

The application process should take approximately 10 minutes. After we have received all documentation from the customer, funding can be done within 24 hours. 

What happens if I don’t have great credit?

No matter your credit score, Big Rig can cater to truck drivers. Our proprietary underwriting process considers many factors, including the truck’s value, length of residence, ownership history, company history, current income, and other relevant information. Our overall underwriting analysis does not include your credit score.

Can you lend trailers?

Shortly, we will offer a Trailer Cash program for our Big Rig customers. Keep checking back for more details!!

Am I required to have a clear title to receive money?

You don’t need to have a clear title to get the money. We will consider the payment of any outstanding loans on your Big Rig as part of our approval process.

Does Big Rig finance truck purchases?

Although we do not offer purchase money financing, our team is currently working to create a product that will be available for drivers like yourself.

Which type of trucks can you lend?

We are experts in the lending of all types of Big Rigs. We lend on Mack, Kenworth, Peterbilt, International, Western Star, and Freightliner.

Big Rig Lending offers a referral program.

Our best advertising method is word of mouth. We are happy to assist other truckers with getting the cash they need. Big Rig will pay $100 per owner/operator that we refer to them.

What are funding methods available?

We can either send funds electronically via ACH or by mail.

What payment methods are available?

  • Monthly ACH withdrawals from your checking account
  • Cashier’s Check or Certified Check (we don’t accept personal checks).
  • Money Order
  • Comchecks
  • Online payments

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