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Box Truck Financing

Box Truck Financing

Vehicles are the backbone of any freight business. As an entrepreneur, you know the importance of keeping your fleet in top-tier condition to avoid any unexpected breakdowns, delays, or accidents. You may also be interested in expanding your existing business to reach a wider audience or newer locations. Regardless of your goal, you will require a hefty investment to keep your business thriving. 

Box trucks normally transport dry and non-perishable goods and are highly versatile, expeditious, and cost-effective. The enclosed cargo space protects the items from damage, vandalism, and theft. Moreover, you don’t have to worry about connecting and disconnecting a trailer whenever you need to carry something big or heavy.

Simply load the cargo, shut the truck doors, and head out. Plus, you get additional space for free advertising wherever you go, thanks to the box’s big, white, flat sides. 

Whether you are planning to purchase a box truck for the first time, add more trucks to your fleet, or search for options to finance your truck’s engine overhaul, you need box truck financing. New box trucks can cost anywhere from $25,000 to $90,000, depending on their condition, model, age, and performance. 
Light-duty trucks fall under $25,000 to $45,000, while heavy-duty trucks can go as high as $50,000 to $90,000. Refrigerated box trucks can cost an additional $10,000. Keep in mind that the exact price of the vehicle will differ depending on the location and the dealer. 
To arrange these amounts, most business owners will need to look for box truck financing companies to meet their investment needs. For this reason, it is crucial to make sure you do your research and choose a reputable direct lender to assist you through this process. 

Need Box Truck Financing? National Truck Loans Can Help!

Even if your current business is flourishing, you may not always have the working capital to finance heavy investment or upgrade expenditures. This is where a lending company comes in – National Truck Loans has been in the market for 15 years, providing well-rounded solutions for commercial vehicle financing, including box trucks. 

We are direct lenders, so there is no involvement from third-party intermediaries, making the process quicker and more cost-effective. Moreover, it allows us to stay in touch with our customers from start to finish and guide them through every step. 


It is not easy to arrange box truck finance due to the sheer number of options available. The process is quite taxing, and one wrong move can leave you in a sticky situation. We understand this and therefore do our best to provide you with an experience that is quick, transparent, and carefully catered to your needs. 

Even if you have a poor credit score, you can count on us to still provide you with the best box truck loans. Our criterion is not just limited to credit score, but we also assess other factors such as your payment history, collateral, and general financial profile. Box truck financing bad credit has never been easier as we help startups and small business owners with lower credit scores (C or D) to secure loans seamlessly.

Our Process Is Quick & Easy! Get Pre-Approved Today

Box truck financing is only a few steps away! Get pre-approved today by filling out this simple form. Our team of experts will carefully examine your application and get back to you with the best possible solution. 

If you have any questions about the preapproval process or queries in general, don’t hesitate to call us at 855-562-6875 or drop us an email at One of our customer support representatives will reach out to you promptly. 


While applying for preapproval, it is important to have all your documents ready. These include:

A Detailed Business Plan and other Relevant Documents 

If you are looking to fund a startup, you should prepare a business plan that states your business’s core vision, goals, and features. On the other hand, if you are looking to expand your current business, you will have to provide all the main business documents, such as proof of registration, business licenses, the registration/license number of your box truck, and cash flow statements, a balance sheet, and a profit and loss account for the past 12 months.

Credit Score 

Another key document needed when applying for box truck loans is your credit score. Make sure the score is 680 or above. If the credit score is less than 680, then you should prepare other documents that show the strength of your financial profile, as you will most likely need to put down collateral to be approved for the loan. 

This can include your property documents or your cash flow statement. A credit score aims to help lenders identify bad debts, outstanding loan payments, and other financial factors determining your reliability as a borrower. 



Proof of insurance is compulsory if you want box truck financing. You should get an insurance policy that covers not only the box truck but also its equipment and driver’s compensation to ensure the safety of your workers in case of a lawsuit.

Commercial Driver’s License 


Before applying for a box truck loan, you must show a commercial driver’s license indicating whether your business is operational interstate, intrastate, or in foreign commerce. In general, you should have a CDL that is over three years old. This requirement helps us decide whether a customer is a high-risk or low-risk borrower, determining the applicable interest rate. 


Tax Returns 

A tax document showing a minimum of 12 months’ worth of tax returns provides valuable information regarding your business expenses, revenue, and other operating statements. 

Once you have compiled and sent us the details, our team will determine the best box truck finance solution for you and your company. The documents are reviewed and emailed to you for confirmation. Once you confirm the authenticity of the information provided, we will start processing your documentation and get back to you after it’s complete.

Why Should You Choose National Truck Loans For Box Truck Financing?

There are many reasons to choose National Truck Loans for box truck financing. We have been leading the commercial vehicle financing industry for around 15 years, giving us a solid edge and helping us stand out. 


Our expertise is not just limited to box truck loans but also other types of financing options for different vehicles, including food trucks, commercial trucks, and dump trucks. Whether you need money to buy a new vehicle or upgrade an existing one, we’ve got you covered.


The simplicity and transparency we offer are other reasons why our customers love us. You don’t have to go back and forth to our office since most of our procedures are done online. We also make it a point to guide our customers during each step of the process, so there is no room for confusion and your financing solution is properly in line with your requirements.


Moreover, we overlook a bad credit score and give you a fair chance to apply for box truck finance by taking into account other factors. So, what are you waiting for? Get in touch with us today to expedite your box truck financing process!

Providing Box Truck Financing For Bad Credit, Great Credit, and Everything In-Between

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We will handle your paperwork once we have the signed contract back. Most trades are settled in as little as three days. We can quickly get the truck you need back on the road.


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Chris Cadahia

Great lender without the bureaucracy and gotcha’s from your typical truck finance broker. Really makes a difference when you work with a lender like National Truck Loans that uses their own money to fund loans and know the industry. They’ve been a great financial partner and appreciate the support!

SFL Supply Inc Review

SFL Supply Inc.

National truck loans helped me grow my fleet by several trucks. Very simple, professional and helpful on every step of the way until the end. Recommend to any carrier. Thank you

Juan Insegna Review

Juan Insegna

I had a very good experience. Micheal and Junior helped me a lot, they always answered all my questions and they work very fast. I recommend it.

Good Credit, Bad Credit, No Credit


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