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Equipment Financing for Transportation & Logistics

Fleet economics are complex. Elevex structures fleet financing around utilization, replacement cycles, and operating economics.

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Commercial truck fleet on the road — semi truck and fleet financing

How Elevex works

Forty seconds, start to funded.

The Reality

Fuel costs, maintenance, driver availability, and technology all impact cash flow. Trucks are operating assets with unique performance and economic profiles.

Fleet Modernization Structures

Upgrade 50 vehicles to cut operating costs — with structures that convert CapEx to OpEx while maintaining ownership benefits.

Utilization-Based Options

Payments aligned to miles and hours, not just months.

Replacement Cycle Planning

End-of-term flexibility engineered around your fleet renewal strategy.

What You Get

  • Application-only to $1,000,000 with decisions in minutes
  • Structures designed around your actual business model
  • $50,000 to $5,000,000+ transaction capability
  • Direct relationship with seasoned finance professionals
  • Used truck and trailer financing — including high-mileage working assets
  • TRAC lease and $1 buyout options structured to your fleet strategy

Equipment We Finance

New, used, dealer, or auction — application-only to $1,000,000, terms from 24 to 84 months.

Trucks & Tractors

Semi truck financing for new and used sleepers and day cabs, commercial truck financing for box trucks, dump trucks, and last-mile vans.

Trailers

Trailer financing across dry van, reefer, flatbed, lowboy, and tanker — single units or fleet packages, with terms matched to duty cycle.

Fleet Technology

ELD and telematics, liftgates, APUs, and shop equipment that keeps the fleet earning — financeable alongside the rolling stock.

Common Questions

Can I get semi truck financing with a limited credit history?
Owner-operators and small fleets with thin or bruised credit aren't automatic declines — CDL experience, contracted freight, and a sensible down payment all count. Expect an honest structure conversation, not a form rejection.
Do you finance used trucks with high mileage?
Yes — used semi truck and trailer financing is standard business. We value trucks on maintenance history and remaining service life, not just the odometer, and set terms the asset can actually support.
What is a TRAC lease and when does it make sense?
A TRAC lease (Terminal Rental Adjustment Clause) fixes the end-of-term residual up front — lowering payments during the term and giving you a known purchase price at the end. It's often the right structure for trucks and trailers. Compare TRAC against other structures.
Do trucks and trailers qualify for Section 179?
Most commercial vehicles over 14,000 lbs GVWR and trailers placed in service this year qualify for full Section 179 treatment, financed or not. Run the numbers on our Section 179 calculator and confirm with your tax advisor.

Equipment Financing Guides

Deep dives on the specific equipment this industry runs — rates, structures, and what we finance.

Semi Truck Financing

Finance new and used semi trucks with TRAC lease options, owner-operator programs, and terms matched to duty cycle.

Commercial Truck Financing

Commercial truck financing for work trucks, vocational units, and fleets — new and used, with structures matched to how trucks earn.

Box Truck Financing

Box truck and straight truck financing for delivery, moving, and last-mile operators — fast decisions, used units welcome.

Dump Truck Financing

Dump truck financing with seasonal structures for construction and aggregate hauling — tri-axles, quads, and articulated units.

Trailer Financing

Trailer financing across dry van, reefer, flatbed, lowboy, and tanker — single units or fleet packages with duty-cycle terms.

Related Reading

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Ready to align payments with your business?

Talk to an equipment finance expert who knows your industry. Sell equipment in this industry? Offer financing at the point of sale with CapVex.

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