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Transportation Equipment Financing Built to Keep You Moving

Uptime drives everything in the transportation industry. A truck sitting in the shop or a trailer you can't replace fast enough costs you loads, drivers, and revenue. Thirty3 Capital built its transportation equipment financing solutions around speed, flexibility, and a process that respects your time.

Whether you're a single owner-operator or run a growing fleet, our team understands the pressure of keeping trucks and trailers on the road while managing fuel costs, payments, and everything else that comes with running a trucking business. We work with transportation companies across the country to structure equipment financing that fits how the trucking industry actually operates.

GET PRE-QUALIFIED

*Pre-qualification starts with a soft credit pull that will not affect your credit score.

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Why Trucking Companies Choose Thirty3 Capital

Traditional banks weren't built for the pace of transportation. Slow credit approval timelines, excessive paperwork, and rigid loan structures can cost you the equipment you need right when you need it most.

Thirty3 Capital takes a different approach to equipment financing for the transportation industry:

  • Same-day to 24-hour financing decisions on most applications*
  • One-page application for financing and leasing up to $600,000
  • Financing available for new and used commercial trucks, trailers, and vehicles
  • Flexible financing built around your routes, revenue, and seasonal cash flow
  • Personal assistance from a dedicated finance specialist who understands trucking equipment, not a call center
  • Direct and indirect lending capabilities, giving you access to different lenders and more paths to approval
  • English and Spanish support

*All financing subject to approved credit (OAC).

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We built our transportation equipment financing programs for established businesses, so drivers, fleet managers, and trucking business owners get practical guidance from people who understand the value of the assets they're financing, not just a rate sheet.

Transportation Equipment Financing Solutions

Every trucking business has different needs. Some want to own their equipment outright and build long-term value. Others prefer lower payments and the flexibility to upgrade as newer trucks and trailers come available. Thirty3 Capital offers several equipment loan and lease structures so your financing solution fits your operations, not the other way around.

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TRAC Lease: Built for Growing Fleets

A TRAC Lease keeps monthly payments lower while giving you the option to purchase the equipment or upgrade at the end of the term. This structure works well for fleets that cycle through trucks and trailers on a regular basis and want to stay current without the higher cost of a traditional loan. It can also come with tax benefits worth discussing with your accountant.

FMV Lease: Flexibility to Decide Later

An FMV (Fair Market Value) Lease lets you use the equipment through the lease term and decide whether to purchase it at fair market value once that term ends. This option helps preserve working capital and cash reserves now, while keeping your long-term equipment decisions open.

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Equipment Lease: Straightforward Monthly Payments

Our equipment leasing option gets trucks, trailers, and machinery into your operation quickly with predictable monthly payments. You decide later whether ownership makes sense for your business. The one-page application and fast approval process mean less time on paperwork and more time on the road.

Equipment Finance Agreement: Ownership from Day One

An Equipment Finance Agreement (EFA) works like a loan, with fixed payments and clear terms from the start. You build equity in your equipment as you pay it down, rather than paying to use assets you'll never own. Pay it off early, and you can save on interest.

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Simple Interest Loan: Pay Down Faster, Save More

A Simple Interest Loan calculates interest on your outstanding balance, so extra or early payments reduce your total cost. There are no prepayment penalties and no hidden fees, just a straightforward transportation equipment loan structure that rewards businesses that pay ahead when cash flow allows.

Who This Financing Is Built For

Thirty3 Capital's transportation equipment financing works best for:
+ Minimum 2 years in business
+ 620+ FICO score
+ Immediate financing need
+ Commercial equipment purchases (new or used)
+ Private sale purchases welcome

If your business meets these general guidelines, our finance specialists can walk you through your options and what to expect.

Ready to Keep Your Fleet Moving?

Every day without the right equipment is a day of missed loads and lost revenue. Talk with a dedicated finance specialist about a financing solution built around your business, not a generic rate sheet.

Call (866) 410-9769 or complete the form below to get started.

*All financing subject to approved credit (OAC).

Financing for New and Used Transportation Equipment

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Not every trucking business needs a brand-new truck off the lot. Thirty3 Capital provides used equipment financing for trucks, trailers, and other transportation equipment with years of productive life left. If you've found the right equipment at a private sale or through a dealer, we can help you acquire it through the same straightforward process we use for new equipment purchases.

This matters in an industry where mileage, maintenance history, and equipment value all factor into a smart investment. Our finance specialists have the experience to evaluate these transactions and structure financing that reflects the real value of the equipment, not a generic formula.

How Truck Equipment Financing Works

Getting financing shouldn't slow down your business. Here's how the truck equipment financing loan process works with Thirty3 Capital:

  1. Apply. Complete our one-page application for financing up to $600,000.
  2. Talk with a specialist. A dedicated finance specialist reviews your application and discusses which solution fits your business needs, whether that's a lease, loan, or EFA.
  3. Get a decision. Most applicants receive a decision within 24 hours.*
  4. Close and get moving. Once approved, we finalize terms and get your equipment financed so it can go to work.

*All financing subject to approved credit (OAC).

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Frequently Asked Questions

Transportation equipment financing through Thirty3 Capital can be used to purchase or lease trucks, trailers, and other commercial vehicles, including new and used equipment from dealers or private sellers.

Most applicants receive a decision within 24 hours of submitting a complete application.* Approval speed can depend on the size of the request and supporting documentation.

*All financing subject to approved credit (OAC).

Yes. Thirty3 Capital offers used equipment financing for trucking businesses purchasing pre-owned trucks, trailers, and related equipment, including private sale transactions.

A lease typically offers lower monthly payments with the option to purchase or upgrade at the end of the term. A loan, such as an Equipment Finance Agreement, gives you ownership from the start with fixed payments. The right choice depends on whether your priority is lower payments and flexibility or building equity in your equipment.

Pre-qualification begins with a soft credit pull, which does not impact your credit score. A full application may involve additional review depending on the financing amount and structure.

Thirty3 Capital offers a one-page application for transportation equipment financing up to $600,000, with additional funding options available for larger purchases.