At M&T Equipment Funding, we make commercial truck ownership simple and attainable.

As a direct lender based in New York, NY, we provide truck financing and commercial loans for owner-operators and small fleets nationwide - with programs designed for drivers who may have challenging credit or limited borrowing history.

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We understand the trucking business. Our goal is to offer clear terms, fast pre-approvals, and flexible financing that helps hardworking drivers grow their businesses and stay on the road.

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Whether you’re purchasing your first truck or expanding your fleet, M&T Equipment Funding is here to help you move forward — with experience, transparency, and trust.