Auto and Transportation Business Loans Nationwide for Truckers, Dealers and Shops, $10K to $5M
🚛 Financing Built for Auto and TransportationI’m Kevin Kermeen, a nationwide commercial loan broker, not a bank. Auto and transportation business loans fund the engines of this industry, the truck and trailer for an owner-operator, the inventory line that stocks a used-car lot, the lifts and bays of a repair shop, the wrecker fleet of a tow company, and the freight or insurance invoices that get paid 30, 60, even 90 days late. Banks call this industry high-risk and walk; I match you to lenders who actually fund trucks, dealers, shops and fleets.
Auto and Transportation Business Loans for Trucks, Inventory, Equipment and Growth
Auto and transportation business loans fund the moment a bank slams the door, buying trucks and equipment, stocking a used-car lot with a floor-plan line, factoring slow freight or insurance invoices, or building out repair bays. Banks call trucking, dealers and shops high-risk and walk away; I match you to lenders who actually fund this industry, from solo owner-operators to multi-truck fleets, dealers, repair and body shops, and tow companies.
Trucks, Trailers and Equipment
Finance tractors, trailers, wreckers, lifts and shop equipment, with the equipment itself as collateral so approvals are fast.
Working Capital
Cover fuel, payroll and parts before the freight check or insurance payment lands, the cash-flow gap this industry knows well.
Freight and Invoice Factoring
Turn slow freight, broker and insurance invoices into cash now, the single biggest cash tool in trucking and transportation.
Floor-Plan and Inventory
A revolving inventory line to stock a used-car lot, pay it down as units sell, the dealer-specific financing tool.
Shop, Lot and Real Estate
Own your shop, lot or terminal with long-term, fixed-rate SBA 504 and commercial real estate financing.
Acquisition and Expansion
Buy a competitor, add trucks or bays, fund a partner buy-in, or finance a second location, often through SBA 7(a).
Auto and Transportation Business Loans by Business Type
I finance trucking, repair, body, tow and EV charging businesses nationwide, each with financing built around how that business actually carries money. Find your business below, every link goes to financing tuned to your specific operation, and if you do not see your exact business, call me anyway… I fund far more than what is shown here.
🚛 Trucking and Transportation
🔧 Dealers, Repair and Body Shops
🔌 EV and Infrastructure
Not in Trucking or Auto? I Fund These Industries Too
Auto and transportation is one of several industries I finance nationwide. If you run a different kind of business, start with the right hub below, or see every industry I fund.
An Owner-Operator Bought His Truck and Factored His Freight After the Bank Passed
An owner-operator was ready to go independent, he had the loads lined up but needed to buy his own tractor and could not float 30 to 60 day waits on broker freight checks while fuel and payments came due weekly. The bank wanted years of business history he did not have yet and waved him off.
He called me. I matched him to equipment financing on the truck with the tractor as its own collateral, plus a freight factoring facility that advanced cash on every load the day he delivered instead of weeks later. He bought the truck, ran the freight, and never sweated a slow-paying broker again.
That’s what the right match looks like in this industry. Don’t Beg the Bank! Get funded instead.
The Right Loan Program for Each Auto and Transportation Need
Auto and transportation business loans aren’t one product. The right structure depends on your business and what you’re trying to do. I match you to the one that fits, tap any to explore it.
Equipment Financing
Tractors, trailers, wreckers, lifts and shop equipment, with the equipment itself as collateral.
See equipment financingWorking Capital
Cover fuel, payroll and parts before the freight check or insurance payment lands, fast operating cash.
See working capitalFreight and Invoice Factoring
Advance cash on slow freight, broker and insurance invoices the day you deliver or close the job.
See invoice factoringLine of Credit and Floor-Plan
Revolving cash for busy stretches, and inventory floor-plan lines to stock a dealer lot.
See lines of creditSBA 504 and Real Estate
Own your shop, lot or terminal with long-term, fixed-rate financing.
See SBA 504SBA 7(a) Loans
Buy a competitor, add trucks or bays, or fund a partner buy-in, often with limited money down.
See SBA 7(a)Qualifying for Auto and Transportation Business Loans
Transportation and auto lending is its own world. The right lenders know a trucker with steady freight, a dealer with turning inventory or a shop with real ticket volume is a strong borrower, so a business with decent credit and provable revenue can get funded, even after a bank said no. I qualify deals honestly so neither of us wastes time.
✅ What helps you qualify
- ✔An operating trucking, dealer, repair, body or tow business, or a clear plan.
- ✔Trucks or equipment to finance against, inventory, or freight invoices to factor.
- ✔Steady freight, ticket volume or inventory turn a lender can verify.
- ✔A down payment or equipment contribution that strengthens the file.
💡 Straight talk
- →Trucks and equipment are financed with the asset as collateral, so approvals are fast.
- →Freight factoring is underwritten on your broker’s or shipper’s credit, not just yours.
- →Credit is flexible, there’s no single hard FICO floor; stronger credit means better terms.
- →A past bank rejection does not disqualify you; your freight, inventory and equipment matter more.
Get Your Auto and Transportation Financing Options
A quick, no-pressure pre-qualification. I personally review every submission, no call center, no junior rep.
Got it. I’m on it.
Your auto and transportation financing request landed in my inbox. I personally review every submission and most responses go out within one business hour.
Watch for a call from me, Kevin Kermeen, I call directly, I don’t text.
Recent Auto and Transportation Business Loans From My Desk
A snapshot of the auto and transportation business loans I match to lenders across the country. Every business is different, yours starts with a conversation.
Auto and Transportation Business Loans · Owner-Operator
An owner-operator financed a tractor and opened freight factoring to get paid the day he delivers.
Used Car Dealer · Floor-Plan Line
An independent dealer opened a floor-plan inventory line to stock the lot and pay down as units sold.
Auto Repair · Equipment and Bay Build-Out
A repair shop financed lifts and an alignment rack and built out two more bays to grow ticket volume.
How I Match Auto and Transportation Business Loans to the Right Lender
Most banks treat trucking, dealers and shops as high-risk and stumble on the cash-flow swings, and the specialist lenders who get it compete hard for good ones. I work with many, so I match your auto and transportation business loans to the lender that funds your business and your goal, trucks and equipment, freight factoring, floor-plan, working capital or real estate, and I review the options with you before you commit.
Here’s the reality in this industry. Cash comes in late and goes out fast. A trucker fronts fuel and a truck payment weekly but waits 30 to 60 days on a broker or shipper to pay the freight invoice. A used-car dealer ties up every dollar in inventory sitting on the lot until a unit sells. A repair or body shop does the work, then waits on a warranty company or an insurer to release the claim. A traditional bank looks backward at two years of tax returns and hard collateral and freezes on the swings. The right lenders work differently: trucks and equipment are financed with the asset itself as collateral, freight and insurance invoices are factored on the payer’s credit, a floor-plan line funds dealer inventory and pays down as units sell, and a working-capital line bridges the gap between spending and getting paid. According to the U.S. Small Business Administration, the 7(a) program is designed precisely for this kind of equipment, expansion and acquisition financing.
The right structure depends on your business and your need. Trucks, trailers, wreckers, lifts and shop equipment are best matched to equipment financing, where the asset is the collateral. Slow freight, broker and insurance invoices run through invoice factoring, while fuel, payroll and parts gaps are covered by working capital loans or a business line of credit, including the floor-plan inventory lines that stock a dealer lot. To buy a competitor or fund a partner buy-in, an SBA 7(a) loan or broader SBA loan fits, and to own your shop, lot or terminal, an SBA 504 loan or commercial real estate loan gives long-term, fixed-rate terms.
So tell me what business you run and what you’re trying to do. Whether you need a truck or equipment, freight factoring to stop waiting on slow brokers, a floor-plan line to stock your lot, or capital to add bays and grow, I’ll match you to the lender most likely to fund it. Find your business in the directory above, or compare every option on my loan programs page. Don’t Beg the Bank! Get funded instead.
Sources: U.S. Small Business Administration, 7(a) loan program and 504 loan program.
Straight Answers Before You Apply
What are auto and transportation business loans?
Can I get funded if banks keep turning me down?
What is freight factoring and how does it help?
What is a floor-plan line for a car dealer?
What auto and transportation businesses do you finance?
What does it cost to work with you?
A Broker Who Knows Which Lenders Fund Trucking and Auto
I’m Kevin Kermeen, the nationwide commercial loan broker behind 75BizLoans.com, not a bank and not a lead-selling portal. Trucking and auto lending has its own specialist lenders who understand freight factoring, floor-plan, equipment and the slow-pay cycle, and matching you to the right one, for trucks, factoring, inventory, working capital or real estate, is the whole point of working with me. I personally review every application, I call you directly, and I never text. For program details, see the SBA’s 7(a) loan program.
Don’t Beg the Bank!
Get Funded Instead.
Banks hand out umbrellas when the sun is shining, not when you’re weathering the storm … and they’ll call trucking, dealers and shops too risky to fund. I match you to auto and transportation business loans built for your business … finance the truck or equipment with the asset as collateral, factor the slow freight and insurance invoices, stock the lot with a floor-plan line, and get a same-day callback from a broker who reviews every deal himself.
Loan amounts, terms, rates and funding speed shown reflect typical lender programs, not guarantees, and vary by lender, creditworthiness, business and job performance, collateral and structure. Auto and transportation business financing generally ranges from $10,000 to $5 million depending on the need. *Equipment is commonly financed with the equipment itself as collateral; SBA loans follow standard SBA timelines and eligibility, and factoring is underwritten substantially on the creditworthiness of the borrower’s customer or payer rather than the borrower’s prior business history. Credit is considered along with other factors; there is no single hard minimum FICO simply to apply, but stronger credit supports better rates and terms, and not all applicants are approved. *No upfront fees refers to fees payable to 75BizLoans.com; I am compensated by the lender at closing. Some partner lenders may require a commitment fee or deposit upon your acceptance of their term sheet; any such fee is the lender’s, is disclosed before you commit, and is separate from any compensation to me. Final eligibility, rate, term and structure are determined by the lender. This is not a commitment to lend. Same-day approvals are common when the application reaches me before 9am Arizona Time.