Finance your semi truck and get on the road
Whether you're an owner-operator buying your first rig or a fleet owner adding capacity, semi truck financing gets you behind the wheel faster. In an industry where your earning power is directly tied to having a reliable truck on the road, financing speed and flexibility matter as much as the rate itself. Bay Street Lending works with lenders who specialize in commercial trucking and understand the unique needs of the transportation industry. Our network finances both new and used Class 8 trucks, trailers, and specialty vehicles, with structures that account for the realities of freight revenue and broker payment timelines.
A new Class 8 truck costs $130K–$200K. Used trucks run $40K–$100K. Financing makes ownership accessible.
Freight brokers pay in 30–45 days. Working capital and factoring cover expenses while you wait.
DOT compliance, insurance, and maintenance are ongoing costs. A credit line ensures you stay legal and operational.
Yes. Lenders finance used trucks typically up to 10–15 years old depending on mileage and condition. Older trucks with low miles may also qualify.
New owner-operators with CDL experience and good personal credit can qualify. Some lenders require 1+ year of ownership experience.
Yes. Dry vans, reefers, flatbeds, and specialty trailers all qualify for equipment financing.
One application, no credit impact, and a dedicated specialist to walk you through your options. See what you qualify for in minutes.