Truck & Equipment Financing for Trucking and Construction Companies

Need financing for a truck, trailer, or heavy equipment? TopMark Funding® helps owner-operators, contractors, and fleet owners get fast, flexible financing for commercial trucks, trailers, and construction equipment. As a top-rated lender in trucking and heavy equipment, we offer quick approvals, competitive terms, and guaranteed no hard credit inquiries – so you can grow your business with confidence.

$700 MM +

Equipment Funded By TopMark Funding

100 +

Expert Team Members Ready to Help

11.5K +

Businesses Funded & Growing!

50 +

Funding Programs to Meet Your Needs

Fast Approvals, Flexible Terms, and No Hard Credit Inquiries

Your Trusted Partner for Truck and Equipment Financing

Are you a business owner, contractor, or fleet operator looking to grow your construction or commercial trucking company? TopMark Funding® provides fast, flexible financing solutions for trucks, trailers, and heavy equipment — tailored to your business needs.

Whether you’re expanding your fleet with semi-trucks, dump trucks, or box trucks, or upgrading your yellow iron construction equipment like excavators, loaders, bulldozers, and cranes, we make it easy to secure the funding you need — with no hard credit inquiries and no impact on your credit score.

Get pre-approved in minutes and see why truck owners and construction companies nationwide trust TopMark Funding to help them grow their fleet, improve cash flow, and keep projects moving.

Commercial Trucks & Vehicles

Financing Solutions for Semi’s, Dump Trucks, Box Trucks, Tow Trucks and More!

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Construction Equipment

Financing Programs for Construction Equipment & Utility Trucks

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Waste Equipment & Vehicles

Financing Programs for Waste & Refuse Equipment & Vehicles

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Trusted By Business Owners Like You

Real Customers. Real Growth. Real Reviews.

At TopMark Funding®, your satisfaction is our top priority. With decades of experience in commercial truck and equipment financing, we understand how important it is to deliver fast, transparent, and reliable service.

We take pride in helping owner-operators, fleet owners, contractors, and construction companies nationwide grow their businesses through smarter financing solutions. Don’t just take our word for it — see what our customers have to say and why TopMark Funding is one of the highest-rated equipment financing companies in the industry.

Great

TopMark Funding4.2

Gary T.

4 days ago

Thanks Dillan for everything to make this purchase a success.

Stanley H.

1 month ago

Dylan Schmidt worked wonders for me and the business I'm trying to build. I don't think i would have found nobody else that would work with me and for me like he did.
Dylan is amazing. Im not dealing with no one else!!

Cera M.

1 month ago

Five stars for Dylan. We have been working on our loan to upgrade equipment. They were so understanding when it came to cash flow for down payment. We are so grateful for them!

William M.

2 months ago

The best finance company in the business as far as I am concerned. Brent goes above and beyond, even after the loan is completed. He has helped me with many things that he did not have to. I will always give my business and recommend to all.

Ariel A.

2 months ago

Martina was great. Not only she helped us with the funding and acquisition of multiple vehicles, but also followed up with the process up to delivery daily, as we were in a VERY tight timeline.

Thanks again Martina!

Matthew T.

2 months ago

Nick Gilmore and Topmark are awesome to work with. Always a seamless and quick transaction to finance. Will continue to use them!

CJ O.

3 months ago

I was trying to get a 20k loan on a cheap old cascadia and I filled out a credit request. I got denied due to it having high mileage and thought that would be the end of it but I got connected with Brent Braunstein and he got me approved in a lot newer truck. Turnaround was 3 days. He worked to get me the best deal with the lowest out of pocket costs that were in my budget. He found me this 2021 kw t680 and I’ll be picking it up in a few days

Jose R.

4 months ago

I just bought a unit for my business, Dylan was a great help in this process. Everything was very clear and quick. I recommend them 100%.

ramzi A.

4 months ago

I just purchased my fourth truck with topmark, its the right place to grow your business. I want to thank specifically Dylan, he got me through the deal, swiftly and timely. He has a great personality and I looking forward to working with him in the future. 10/10 Dylan thank you my man.

MrFatman2334

5 months ago

Dylan was fantastic. Him and the entire team was fantastic I’m very appreciative of Dylan for helping me a communicating with me through the whole process. Everything worked itself out and it was perfect timing. Thank you and I appreciate you.

Thomas G.

5 months ago

Top notch company, fast funding for my start up. Real easy all was done online. Communication was great at every step. Will most definitely use them again for my next truck! Thank you TopMark for helping me out!

Ed A.

5 months ago

Dylan, he is one of my go loan guy from here on out. He was with me with every step of the funding process. So glad I found them and very happy doing business with them (TopMark), especially Dylan Schmidt. He is your go to loan guy if you need funding!

Jonathan G.

5 months ago

Friendly and worked with me I don’t have the best credit thanks

Leity Dorta M.

5 months ago

I had an outstanding experience working with Dylan Schmidt at TopMark Funding on securing a loan for the purchase of my commercial trailer. From start to finish, Dylan was knowledgeable, professional, and incredibly supportive throughout the entire process.

Thanks to Dylan’s expertise and dedication, I was able to get the financing I needed without any headaches. I truly appreciate his hard work and highly recommend him to anyone looking for financing assistance

Alex B.

6 months ago

Dylan has been extra helpful during this entire funding process. You can tell he is a kind person who really cares about his customers, as well. I'm glad Enterprise works with TopMark Funding so the purchase was as simple as possible.

Ani G.

6 months ago

I was happy since beginning with TopMark Funding and I'm happy as well because everything they did on time and always helped as I needed

Binding M.

6 months ago

TopMark Funding made the process of funding our first truck simple and stress-free. As a new company, we really appreciated the personal touch — they didn’t just approve us, they supported us every step of the way. They call to remind us when payments are coming up and always check in to make sure everything is okay. Anytime we had a question or concern, someone reached out immediately. Their service is smooth, professional, and genuinely caring. Highly recommended!

Steven M.

6 months ago

Working with Topmark representative Derreck Sargent was an amazing experience. I look forward to working with him in the future.

Darren D.

6 months ago

Easy and fast funding. Sent in the paperwork they needed and it was a smooth process. Thanks Freddy

Dee B.

7 months ago

Top mark moved fast once I found the truck that I wanted. My rep Brian is one of the best. Keep me updating the entire process and Made sure the deal got done. Definitely hit him up if you looking at going through TOP Mark Funding!!!!

Yaneiris B.

7 months ago

Thank you for MAKING IT HAPPEN!! BEN you are the best. You are pleasant and such a go getter.
Helped expedite the process smoothly
Thank you for all your help, Im super happy to have meet you and look forward to doing business with again soon 😊
If your looking for business or trucking business ask for Ben.

Christopher L.

8 months ago

Thomas was efficient and helpful! Made sure to follow up and get the job done.

WasherGuys L.

9 months ago

Nick and his whole team were amazing. Made the process really easy and answered any questions I had. I highly recommend using TopMark Funding.

mark S.

9 months ago

Trevor was on top of everything. It was the smoothest purchase of a semi that I have ever bought

Brack R.

9 months ago

Nick and the whole team were great to work with.

Malana W.

9 months ago

Very professional! At the beginning I was very skeptical because of what I was doing. I’m just a poor boy from the south. Trevor kept me informed on everything,(most of the time I dreaded to hear from him ,but he was great) he can make things happen!!!!!!!! I have big dreams in the dump truck world and Trevor give me the opportunity to get something newer and more reliable!! He’s in California and I’m in Alabama and he made my dreams come true.
I would love to go have a beer or margaritas with this guy anytime!!
Thank you

Waldeir D.

10 months ago

very well attended, trevor McCoy very professional and very competent

Darrell D.

10 months ago

Real quick and fast with results!!!

Brandon B.

11 months ago

Worked with Top Mark for the purchase of one truck last November, overall pretty good experience. I would have liked a bit more detail of the financing aspect because it was a bit confusing at first, but honestly i would use them again if i ever needed anymore trucks. Definitely a company i would recommend to someone that wants to finance there 1st truck!

Semi-Truck Financing

Finance Your Next Semi-Truck With Confidence

Looking to purchase a new or used semi-truck for your trucking company? TopMark Funding is your trusted source for fast, flexible semi-truck financing solutions. Whether you’re an owner-operator or managing a fleet, we make it easy to secure the truck you need—without the stress.

We offer competitive semi-truck loans and lease options designed to fit your budget and business goals. Best of all, there are No Hard Credit Inquiries, so applying won’t impact your credit score.

Get pre-approved today and get behind the wheel faster.

Get a Quote

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Dump Truck Financing

Built to Haul—Financed to Grow

Need a new or used dump truck to power your next big job? TopMark Funding offers tailored dump truck financing programs designed for contractors, construction crews, and hauling companies. Whether you’re expanding your fleet or replacing older equipment, we make the process fast, flexible, and hassle-free.

With competitive terms, low payments, and No Hard Credit Inquiries, our financing helps keep your cash flow strong while getting you the truck you need to stay on schedule and under budget.

Apply today and keep your business moving forward.

Get a Quote

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Commercial Vehicle Financing

Financing That Works as Hard as Your Vocational Vehicle

From box trucks and wrecker tow trucks to boom trucks and waste equipment, TopMark Funding provides fast, reliable commercial vehicle financing tailored to your industry. We understand how critical these trucks are to your day-to-day operations—and we’re here to help you get them on the road without the delays or credit stress.

Our application process is quick and easy, with No Hard Inquiries and zero impact on your credit score. Whether you’re buying from a dealer or private party, we’ll help you find the right loan or lease to keep your business rolling.

Get the equipment you need—without the roadblocks.

Get a Quote

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Construction Equipment Financing

Heavy Equipment Financing for Heavy-Duty Jobs

Need reliable funding for construction equipment like excavators, wheel loaders, backhoes, or bulldozers? TopMark Funding specializes in financing yellow iron—helping contractors and construction companies get the machines they need to break ground, move earth, and finish jobs on time.

Whether you’re upgrading your fleet or adding new machines, our financing programs are built for flexibility, fast approvals, and No Hard Credit Pulls. From job site to bottom line, we make it easier to invest in the equipment that drives your business forward.

Apply now and get your next project off the ground.

Get a Quote

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Trusted by Trucking Professionals Nationwide

Real Reviews from Owner-Operators and Fleet Owners Just Like You

At TopMark Funding®, your satisfaction is our top priority. With decades of experience in truck and equipment financing, we’re proud to help owner-operators, contractors, and construction companies nationwide grow their businesses.

We believe in providing fast, transparent, and reliable service — and our customers agree.
Check out our verified Trustpilot reviews to see why TopMark Funding is rated one of the best truck and equipment financing companies in the industry.

Need Commercial Trailer Financing?

TopMark Funding Can Hook You Up with Fast, Flexible Programs!

At TopMark Funding®, we provide flexible trailer financing programs that fit your budget and help grow your bottom line. The semi-trailer industry has unique financing needs, and our team understands them well. With decades of experience helping owner-operators and trucking companies, we know how to get you approved quickly and keep your business moving.

Whether you’re choosing a semi-trailer lease or a traditional trailer loan, we make the process simple. You can finance new or used Reefer Trailers, Dry Vans, Flatbeds, Drop Decks, or Lowboys with competitive rates and fast funding.

With TopMark Funding, you get more than financing. You get a trusted partner that understands tractor and trailer ownership from start to finish, including titling, registration, insurance, and warranties. Our goal is to help you expand your fleet, maintain cash flow, and strengthen your business for the long haul.

Get a Trailer Quote

Answers to the Most Common Questions from Trucking and Construction Companies

Frequently Asked Questions About Truck & Equipment Financing

What types of equipment and commercial vehicles can I finance with TopMark Funding?

TopMark Funding® finances a wide range of commercial vehicles and equipment, including semi-trucks, dump trucks, box trucks, cargo vans, Sprinter vans, trailers, buses, construction equipment, yellow iron, and vocational trucks such as roll-offs, front loaders, tow trucks, and service trucks. We work with owner-operators, contractors, small businesses, and large fleets across transportation, construction, logistics, waste hauling, and delivery industries. Whether you’re buying new or used, from a dealership or private seller, we have programs tailored to your business needs.

Get a Quote

No Hard Inquiries – No Impact on Your Credit
Do you offer financing for startups or new businesses?

Yes. We offer programs for startups and first-time buyers who have strong credit and relevant industry experience. Even if you’re just launching your trucking or construction business, you may qualify for application-only financing, zero-down options, or flexible terms based on your credit profile, equipment type, and business plan. Our team helps new companies find the best lender match and navigate the approval process with confidence.

Get a Quote

No Hard Inquiries – No Impact on Your Credit
Will applying for financing hurt my credit score?

No. Our pre-approval process uses a soft credit pull, which has zero impact on your personal or business credit score. You can review your options without any risk. A hard inquiry is only performed once you choose a final program and confirm that you want to move forward with funding.

Get a Quote

No Hard Inquiries – No Impact on Your Credit
How fast can I get approved and funded?

Most customers receive a pre-approval in minutes, and full approvals can often be completed within 24 hours depending on the program and equipment type. Once documents are signed, many deals fund in 1–3 business days, allowing you to secure your equipment quickly and keep your business moving.

Get a Quote

No Hard Inquiries – No Impact on Your Credit
What credit score do I need to qualify for commercial truck or equipment financing?

Approval criteria vary by lender, equipment type, and program. Applicants with stronger credit profiles typically receive lower payments, better terms, and little or no money down.

However, we offer programs for a wide range of credit histories — including options for average or challenged credit with strong compensating factors such as homeownership, industry experience, or a well-qualified co-signer.

Since every profile is different, the best way to know what you qualify for is to apply and receive a soft-pull pre-approval.

Get a Quote

No Hard Inquiries – No Impact on Your Credit
Can I finance equipment from a private seller, auction, or online marketplace?

Yes. TopMark Funding® finances equipment from dealerships, private parties, auctions, and online marketplaces nationwide. We verify the seller, review equipment condition, and handle all documentation to ensure a secure, compliant transaction. This gives you flexibility to shop for the best price and the right unit for your business.

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No Hard Inquiries – No Impact on Your Credit
What’s the difference between a loan, lease, and Equipment Finance Agreement (EFA)?

A loan gives you long-term ownership and equity once all payments are complete.

A lease offers lower upfront costs and often lower monthly payments, ideal for businesses wanting newer equipment more frequently.

An Equipment Finance Agreement (EFA) combines predictable payments with ownership at the end of the term, similar to a loan but with simpler documentation.

Your dedicated account manager will help you choose the program that best fits your cash flow, tax strategy, and long-term goals.

Get a Quote

No Hard Inquiries – No Impact on Your Credit

Trucking & Equipment Industry News

Insights Trusted by 133k+ People Like You

Looking for the latest trends in the equipment and transportation industry? Our blog delivers up-to-date news, expert how-to guides, and “best of” breakdowns to keep you informed and on the move. Whether you’re behind the wheel or behind the scenes, there’s something here for every business owner and operator in the equipment and trucking world.

Join over 125,000 subscribers who trust us to break down what matters—so you can stay focused on growing your business. Read the latest posts and subscribe now to stay in the loop.