Commercial truck financing allows owner-operators to purchase a truck or trailer without paying the full cost upfront. Instead, the vehicle is financed through scheduled payments over time, helping drivers preserve cash flow while growing their business.

At M&T Equipment Funding, we provide direct commercial truck and tailer financing tailored to the realities of the trucking industry. Our programs are designed for drivers who may have challenging credit, or limited credit history, and who need a straightforward, transparent financing process.

As a direct lender, we evaluate each application based on the full financial picture - including the vehicle, income, and supporting documents - not just a credit score. While approval is not guaranteed, our goal is to clearly outline available options and guide drivers through the process efficiently.