Capital for your next truck or trailer — Driver Capital
We connect owner-operators and small fleets with lenders specializing in commercial truck financing for bad credit and new ventures.
Soft inquiry check has zero impact on your credit score.
4.9 Excellent · 3,200+ reviews via Big Think Capital- Owner-operator
- Freight factoring
- Heavy duty financing
- Equipment title loan
- Working capital
- Commercial refinancing
- Fleet expansion
- Asset-based lending
Commercial trucking and logistics fleet financing for independent owner-operators
Financing options matched to your situation, in one place.
- Equipment New truck purchase Finance your next rig with terms tailored to owner-operator revenue cycles.
- Refinance Commercial refinancing Refinance existing equipment to lower your monthly payments and increase cash flow.
- Repair Maintenance loans Get immediate capital to cover major engine or transmission repairs.
- Startup New venture funding Access startup loans for first-time owner-operators with verifiable experience.
- $15K–$750K Funding amounts
- 24–48 hours Time to funding
- 1 soft pull Credit impact
What business owners say
4.9-
This company was lightning fast and the experience was amazing. Thank you, Dan — you're a real pro!
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Good service Joseph Krajewski is the best agent ever. He provided excellent service. I strongly recommend working with him if you have the opportunity.
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They gave me a chance when nobody else would. I'm very satisfied.
How the money moves.
One soft check to match. One hard pull, and only from the lender you choose. That mechanism is why this is not a broker.
Fast credit decisions
- Decisions provided in under 4 hours.
- Funding speed as fast as the next business day.
Flexible credit criteria
- Bad credit does not mean automatic rejection.
- We prioritize cash flow and equipment value.
Logistics expertise
- Lenders who understand the trucking industry.
- Specific support for independent owner-operators.
Why the usual lenders say no.
Your revenue is real. The problem is the form. Here is why traditional underwriting turns away healthy operators in this space, and what we do differently.
Older equipment age
Banks reject older trucks because of perceived resale value risk.
Recent credit dips
Standard banks flag credit dips from personal issues immediately.
New authority status
Lenders often require two years of operating history for standard loans.
What a funded request actually looks like.
Composite illustrative scenarios, not specific borrowers. Each is built from the kinds of requests this niche routinely sees.
Single Owner-Operator
Repairing engine and transmission on a 2018 Peterbilt to return to the road.
Small Fleet Owner
Purchasing two additional trucks to accommodate new logistics contracts.
Independent Driver
Providing down payment for a newer model rig to lower maintenance costs.
Logistics Contractor
Covering fuel and payroll costs between invoice payments.
Insurance and fuel programs
Lower your operating costs beyond financing. Our partners offer fuel discount programs and logistics-specific insurance to keep your rig on the road for less.