Get Your Commercial Truck Financed — Fast, Fair & Flexible

Tired of banks saying no? Lewis Capital gets owner operators approved in 24-48 hours, with programs for every credit profile. We offer more realistic options for first-time buyers, experienced drivers, and borrowers who may not fit a bank’s narrow lending box.

Why Lewis Capital

The Smarter Way to Finance Your Truck

We’re not a bank. We’re a specialized trucking finance partner, and that makes all the difference.

No Hard Credit Inquiries

We run a soft pull only during pre-approval, guaranteed no impact on your credit score while you shop your options.

24-48 Hour Approvals

Most applications receive a decision within one business day. No waiting weeks like at a traditional bank.

Competitive Rates & Terms

Our experts carefully review your financial profile to find the best rates for your situation, saving you thousands over the life of your loan.

Dedicated Truck Funding Specialist

You get a real person, a trucking finance expert, assigned to your account from application through funding.

New & Used Trucks Financed

Finance any make or model Peterbilt, Kenworth, Freightliner, Volvo, International new or used, from any dealer or private seller.

Minimal Documentation

Our streamlined process requires minimal paperwork. Many approvals are application-only — no tax returns needed.

Trucks We Finance

One Application. Any Truck. Any Credit.

Semi Truck / 18-Wheeler Loans

The backbone of long-haul freight. Get long-term financing up to 84 months with low down payment options — built for solo operators and small fleets alike.

Dump Truck Loans

Built for construction and excavation contractors. Flexible down payment plans and fast approvals so you're never losing a job waiting on funding.

Box Truck Loans

Perfect for last-mile delivery and moving businesses. Fast approvals with minimal documentation, many funded in under 48 hours.

Flatbed Truck Loans

Haul heavy equipment, steel, and oversized loads with confidence. We finance new and used flatbeds for both new and established authorities.

Tow Truck Loans

Get your towing business on the road fast. We work with independent operators and roadside assistance fleets of all sizes.

Specialty & Vocational Trucks

Refrigerated trucks, tankers, cement mixers, and more. If it's commercial, we can finance it — call us to discuss your specific vehicle.

Looking for broader fleet or equipment options? Check your options at our dedicated Commercial Truck & Trailer Financing page.

Get Funded and On the Road in 4 Simple Steps

Apply Online in Minutes

Fill out our quick 2-minute form. Soft credit pull only, no impact on your score.

Talk to a Specialist

Your dedicated funding specialist calls you, reviews your needs, and finds the best program for you.

Review & Sign

Receive your offer, review the documents, and sign electronically, all from your phone or computer.

Get Funded & Drive

Funds are released in 24–48 hours. Pick up your truck and hit the road.

Ready to Roll?

Your Next Truck is One Application Away

Join thousands of owner operators who trusted Lewis Capital to get them financed and on the road. It takes 2 minutes, and it won’t touch your credit score.