Archives December 2024

Every profession comes with its own set of relatable experiences, and the trucking industry is no exception. Truckers share unique moments on the road that bring them together, and what better way to bond than through a good laugh? 

In this blog post, we’ve rounded up top trucker jokes that every trucker can relate to, from one-liners and puns to dad jokes and funny stories.

ONE-LINER TRUCKER JOKES

1. Why did the truck driver break up with his GPS? She kept telling him to take a U-turn in his life! 
2. Why do truck drivers make good lovers? Because they are always down for the long haul, and deliver their load on time.
3. I asked a truck driver how many gears his truck had. He said, “Enough to drive me gear-crazy!” 
4. Why don’t truck drivers play cards? Because they can’t handle a full deck on the road. 
5. With the rise of self-driving vehicles, it’s only a matter of time before we get a country song where a guy’s truck leaves him too. 
6. Why did the truck driver get a ticket to the concert? Because he wanted to catch the “heavy metal” band! 
7. Why don’t truck drivers use GPS? They don’t need another voice telling them what to do.
8. My truck and I have a lot in common—we both haul a lot of baggage.
9. Why do truck drivers always carry a pencil? For draw-bar connections!
10. I told my truck a joke, but it didn’t laugh—it was a little diesel-hearted.
11. Truckers don’t get lost; they just find alternative routes.
12. Why did the truck go to therapy? It was tired of carrying emotional baggage.
13. Being a trucker means being a professional food critic for gas station sandwiches.
14. A truck driver’s favorite drink? Diesel-cola!
15. Don’t worry, I’ve got this handled—literally, it’s my steering wheel.
16. Why did the trucker sit under the tree? For some axle relaxation.
17. A truck loaded with Vicks Vaporub overturned on the highway. Amazingly, there was no congestion for eight hours
18. My teacher told me I’d never get a job staring out of a window. I guess I showed her, huh?
19. Why are truckers just like dogs? They pee on tires, chase cars, live in a box and once in a while, get to bury a bone.
20. What do you get when Swift leaves a parking lot? Two parking spaces.
21. Why did the truck driver study astronomy? To navigate the highways by the stars! 
22. Why did the truck driver install a piano in his truck? He wanted to play a key role in traffic jams! 
23. What did the truck driver say to the hitchhiker? “Hop in, but no changing gears on my life story!” 
24. Why did the truck driver become a gardener? He wanted to ‘truck’ plants instead of cargo. 
25. How do truck drivers stay cool? By keeping their cool-ant levels up! 

SHORT FUNNY TRUCKER JOKES

26. The Runaway Tire

While hauling a load through a mountainous region, a trucker felt his rig wobble and heard a loud thud. He pulled over to find that one of his trailer tires had come loose and rolled down the hill. Chasing after it, he finally found it resting against a tree, as if waiting for him. Out of breath, he muttered, “Next time, I’ll let you drive.”

27. The CB Radio Prank

A group of truckers bored during a long haul, decided to prank a rookie driver. They convinced him over the CB radio that a “bear in the air” (police helicopter) was tracking his speed. Panicked, the rookie kept slowing down, much to the confusion of other drivers. Eventually, they let him in on the joke, and he laughed, saying, “You got me good! But now I know why they call it a ‘bear’—it was unbearable!”

28. The Cowboy’s Clever Comeback

A truck driver cruised down a two-lane country road when he spotted a cowboy riding a horse, checking the fence line. Curious, the trucker pulled over, got out, and walked back to talk to the man.

Trucker: “Hey! You’re a cowboy, aren’t you?”
Cowboy: “Yep.”
Trucker: “Well, I noticed you’re wearing tennis shoes and a baseball cap instead of cowboy boots and a cowboy hat. I just wanted to know why.”
Cowboy: “Well, that’s easy! I don’t want anyone to mistake me for being a truck driver.”

29. The Invisible Load

A trucker pulled into a weigh station, and the attendant looked puzzled as he checked the paperwork. “Sir, your manifest says you’re carrying 20 tons of steel, but the scale reads empty.” The trucker chuckled and replied, “That’s because I’m hauling evaporated water. Lightest load I’ve ever had!”

30. The Unexpected Passenger

After a long day, a trucker parked at a rest stop and settled into his sleeper cab for the night. In the morning, he was startled to find a cat curled up on the passenger seat. A note on the dashboard read, “Found this little guy at the last stop. I thought you could use some company. Safe travels!”

31. The Coffee Spill

During a particularly bumpy ride, a trucker spilled coffee all over the dashboard. Frustrated, he exclaimed, “Great, now my truck’s going to be caffeinated and won’t stop for the next 500 miles!”

32. The Singing Trucker

To pass the time, a trucker would sing loudly to his favorite tunes. Unbeknownst to him, his CB radio mic was stuck on transmit. Fellow drivers on the highway started requesting songs, turning his solo concert into a highway karaoke session.

33. The Creative Parking Solution

Arriving late at a crowded truck stop, a driver couldn’t find a parking spot. Noticing an empty space marked “Reserved for Bob,” he parked there and left a note: “Bob, I owe you one. – Not Bob.”

34. The Phantom Load

A trucker was convinced his trailer was haunted because he kept hearing strange noises. After days of eerie sounds, he discovered a stray cat had been hitching a ride, making itself comfortable among the cargo.

35. The Unintended Alarm Clock

During a rest stop, a trucker decided to take a quick nap in his cab. His fellow driver, known for his pranks, parked his truck nose-to-nose with the sleeping driver’s rig and blasted the air horn. The startled trucker woke up in a panic, thinking he was about to have a head-on collision, only to find his buddy laughing hysterically outside. 

36. The Singing Trucker

To pass the time, a trucker would sing loudly to his favorite tunes. Unbeknownst to him, his CB radio mic was stuck on transmit. Fellow drivers on the highway started requesting songs, turning his solo concert into a highway karaoke session.

37. The Creative Parking Solution

Arriving late at a crowded truck stop, a driver couldn’t find a parking spot. Noticing an empty space marked “Reserved for Bob,” he parked there and left a note: “Bob, I owe you one. – Not Bob.”

38. The Phantom Load

A trucker was convinced his trailer was haunted because he kept hearing strange noises. After days of eerie sounds, he discovered a stray cat had been hitching a ride, making itself comfortable among the cargo.

TRUCK PUNS

39. A truck carrying books spilled. It created a novel problem on the highway!
40. I was hauling a truckload of glue. Got stuck in traffic.
41. A truck carrying onions crashed—it was tearable.
42. I heard about a truck carrying paint that overturned. The driver dyed for it.
43. A truck carrying ladders tipped over. It was a step above the rest.
44. A truck full of noodles crashed. It pasta point of no return!
45. A cement truck collided with a mixer. It was a solid mess!
46. A truck carrying lumber flipped. Talk about board to tears!
47. I was hauling plants. The traffic really rooted me in place.
48. The gravel truck overturned—it was a rocky situation!
49. A truck carrying olive oil spilled on the highway. It was a vicious situation! 
50. A truck carrying blackberries spilled on the highway. It was quite a traffic jam! 
51. A truck carrying tennis gear spilled on the highway. It made quite the racket! 
52. A truck carrying camping gear spilled on the highway. The truck had jackknifed! 

SHORT TRUCKER JOKES

53. Why did the trucker hate parkways? Too much parking, not enough driving!
54. How do truckers stay awake? They drink a “fuel” cup of coffee.
55. Why don’t truckers go to fancy restaurants? They prefer drive-throughs!
56. Why did the trucker start a band? He wanted to hit the road with heavy metal.
57. What’s a trucker’s favorite vegetable? Turnip greens!
58. Why did the trucker quit his job? He was tired of hauling excuses.
59. Why do trucks always get parking tickets? Because they’re over the line!
60. What do you call a trucker who’s also a baker? A dough-hauler!
61. What do truckers use to keep their sandwiches fresh? Trucker wrap!
62. Why don’t trucks go to school? They’d rather haul knowledge than learn it.

CONCLUSION 

They say laughter is the best medicine. For long hours on the road, that couldn’t be more true. We hope these trucker jokes brightened your day and gave you something to share on your next haul. But while humor keeps your spirits high, reliable financing keeps your trucking business moving forward.

ABOUT INSPIRED FUNDING

At Inspired Funding, we understand the needs of truckers and offer flexible financing solutions to help you expand your operations or upgrade your fleet. Whether you’re just starting or looking to grow, we’re here to support you every mile of the way.

Ready to take your trucking business to the next level? Contact Inspired Funding today. 

According to industry reports, truck leasing has witnessed exponential growth over the years. In 2022 alone, there were over 1.8 million truck leases, which shows that more businesses are buying into this financing option. The benefits are proof of this preference. 

Commercial truck leasing is a viable alternative to purchasing as it offers reduced upfront costs and effective cost management in comparison.

But there’s much more to understand about this option. In this article, we’ll unpack the essentials to help you make informed decisions for your business.

WHAT IS COMMERCIAL TRUCK LEASING?

New and experienced truckers have one thing in common: the need for vehicles to run their daily operations.  There are cases when purchasing does not seem feasible due to the financial commitment. This is where leasing shines as a practical alternative option to provide truckers access to the vehicles they need to keep business moving. 

Commercial truck leasing is a contract arrangement with a dealer to use a truck for a period while making regular installment payments. It can be an ideal option if you seeking the flexibility to upgrade your fleet without making the huge capital investment that comes with purchasing. Apart from low financial commitment, there are other benefits such as predictable monthly payments, and the ability to upgrade vehicles to newer models. However, it also comes with considerations like mileage limitations and the absence of equity in the vehicle. 

BENEFITS OF LEASING A COMMERCIAL TRUCK

FLEXIBLE CREDIT REQUIREMENTS

Compared to purchasing, the credit score requirement for leasing is more lenient. Lenders are more likely to consider other factors such as time in business and stream of income. Other lenders like Inspired Funding offer solutions without minimum credit score requirements. So if you have a less-than-perfect credit score, this is an option you want to explore. 

LOWER UPFRONT COST

The initial investment needed for minimal, as you will not be making a large down payment. This can take the financial strain off your business allowing you easy access to a truck without impacting your pocket. 

IMPROVED CASH FLOW

Monthly payments are often predictable and fixed, making it easy for you to plan and budget your revenue with ease. Together with the lower upfront cost, you can have better cash flow management that can be wired to other business expenses like fleet expansion, and operation costs among others. 

ACCESS TO NEWER TRUCK MODELS

Truck brands tend to release newer models with the latest technology and safety features. For a purchased vehicle, switching to a new model with require you to either buy a new truck or dispose of the current one. On the other hand, you can exchange your leased vehicle for a better model at the end of the term. 

AVOIDANCE OF DEPRECIATION RISK

You’re not financially responsible for the value depreciation of your vehicle since you’re not taking full ownership. The lessor bears the risk of any decline in the market value.

LEASE-TO-OWN

Exploring the lease-to-own program guarantees the option to purchase the truck at the end of the lease term, facilitating ownership. This arrangement can enable you to manage cash flow effectively without the need for a substantial upfront investment. 

DRAWBACKS OF COMMERCIAL TRUCK LEASING

Just as leasing holds many benefits that may align with your interest, it is also important to consider its potential drawbacks.

LACK OF OWNERSHIP AND EQUITY

While you get to use the vehicle for an extended period, this does not translate to full ownership after the payment period. Because of this, your monthly financial commitment will not build equity.

MILEAGE AND USAGE RESTRICTIONS 

Trucks can come with some restrictions such as mileage and the overall usage of the vehicle. When considered, these restrictions can have a negative impact on your business operations. Plus, exceeding this restriction can result in penalties fees, and additional costs.

MAINTENANCE RESPONSIBILITIES 

Depending on the terms, you may still be responsible for maintenance and repairs, which can add to your expenses. 

INSURANCE C OSTS

Leasing companies may require higher insurance coverage levels, leading to increased insurance premiums. 

HIDDEN COSTS

It is not uncommon to have a deal with lessors with ambiguous and unclear terms of contracts. In situations like this, contracts can be laced with hidden fees such as administrative fees and unfair termination of the agreements. To avoid this, ensure you do your research and deal with only trusted lessors. Also, review agreements before you sign. 

LEASING VS. PURCHASING

In the world of commercial truck financing, leasing, and purchasing are usually two options businesses consider. Both fulfill different purposes and the decision on the one to choose is based on various factors and considerations. We have broken down the common differences between these two options in the table below to help understand better. 

FACTORS	PURCHASING	LEASING
Ownership	Full ownership upon completion of payment.	No ownership. The company retains ownership after the agreed-upon period.
Upfronts costs	Requires initial down payment.	Lower upfront cost, usually the first month’s payment.
Maintenance	Owner is responsible for all maintenance and repair costs.	Agreements often include maintenance services.
Flexibility	Less flexibility, as changing the vehicle requires first disposing of the initial one	Higher flexibility to upgrade to new models at the expiration payment term.
Tax benefits	Interest expenses may be tax-deductible.	Payments are deducted as business expenses.
Mileage restrictions	No mileage restrictions.	Includes mileage limits.
Customization	Full freedom to modify or customize the vehicle as needed.	Limited or no ability to customize.

STEPS TO LEASE A COMMERCIAL TRUCK

If you think this is a good deal for you, then it is essential that you understand the process that guarantees the best deals. We have narrowed them into the following for you:

RESEARCH LEASING OPTIONS AND COMPANIES

Start by researching available options such. Then proceed to source reputable companies that offer commercial trucks suitable for your business needs. Ensure you do a comprehensive review–ask around, and check reviews online. 

COMPARE TERMS

Different companies will have different terms and conditions. Scrutinize these details and check terms on mileage restriction, maintenance liabilities, credit requirements, and duration. 

Also, ask about hidden fees and potential penalties. Doing this will help you assess the one that is more aligned with your business goals and help you make more informed decisions. 

PREPARE NECESSARY DOCUMENTATION

Just like other types of commercial truck financing, you will need to tender necessary documentation like your personal information, business record, credit history, bank statements, tax returns, and proof of insurance. 

FINALIZE THE AGREEMENT

After your documents and application have been reviewed and approved, it’s time to finalize the agreement. Have a legal professional review the agreement to ensure clarity. Once satisfied with the terms, proceed to sign.

TAKE DELIVERY OF THE VEHICLE

The final stage is to have your vehicle delivered to you. Upon delivery, conduct a thorough inspection to confirm that it meets the specifications and is in good condition. 

GET THE BEST COMMERCIAL TRUCK LEASING DEALS WITH INSPIRED FUNDING

Whether you choose to lease a commercial truck or purchase it, there are a couple of factors that you must consider. One of these is your financing partner. You want to work with a transparent partner who gives you the support you need and sticks with you from the beginning of the process to the end. Additionally, take the time to carefully review the terms and conditions to ensure they align with your specific needs and circumstances.

Inspired Funding has helped many businesses to finance their trucks. we also guarantee that you enjoy some benefits when you opt for commercial truck leasing such as no credit score requirement, no hidden charges, and access to constant support. Start your journey today and take the first step to hassle-free commercial truck leasing. 

Starting a food truck business is a dream many can’t wait to actualize. But what if your financial history is not as appetizing? A bad credit can seem like a closed door in the world of food truck financing. Yet, there are ways to unlock this door and get the funding you need. 

You can boost your approval odds by understanding the basics of food truck financing. This article explores practical and funding options to help you hit the road with your mobile kitchen, even with bad credit. Let’s get started.

IMPORTANCE OF FOOD TRUCK FINANCING

Apart from saving your business from the impact of a sudden cash reduction, financing your food truck offers multiple advantages. Here are some reasons food truck business owners opt for financing their trucks:

REDUCED UPFRONT COSTS

Financing helps you avoid the strain outright purchases can have on your business by allowing you to make lower monthly payments over a period of time. This is particularly beneficial as it allows you to retain cash for your daily business operations.

ABILITY TO PURCHASE BETTER TRUCKS

Business owners who buy out of pocket are limited to purchasing vehicles that are within their purchasing power, and this can sometimes mean settling for used or lower-quality vehicles. On the other hand, getting a loan directly increases your purchasing power, enabling you to buy your dream truck. 

INCREASED BUSINESS EXPANSION POTENTIAL 

If you are aiming to expand your food truck business to include more locations, then expanding your fleet is non-negotiable. Financing provides you with the cash resources to grow your business, either by upgrading your existing vehicles or expanding your fleet. 

IMPROVED BUSINESS CREDIT

By securing funding, you indirectly build your credit score. With your credit history showing a record of consistent loan servicing, you are well on your way to earning the trust of lenders in the future, which can be an indispensable asset when the opportunity to expand comes up. 

TAX BENEFITS

You can also reduce your tax responsibilities through financing, as most loan expenses are tax-deductible. By saving on taxes, you can divert additional funds to your business for growth. 

CREDIT REQUIREMENTS FOR FOOD TRUCK LOAN

With these benefits, there’s no denying that financing saves you a lot of stress. But getting funds is not as easy as walking up to a lender and hoping they will let go with thousands of dollars. Many factors determine whether or not you will get a loan and a major one is your credit history. 

As it appears, lenders want an assurance that you can pay back your loan, and examining your credit history is one way they do that. Your credit history is a record of how you have managed your credits and debts over time. It includes details about your credit accounts, balances owed, payment history, and the length of time each account has been open. In a nutshell, it is like a report that lenders use to prove your creditworthiness. Here is a breakdown of FICO scores to help you know what to anticipate:

• 300-579: Poor
• 580-669: Fair
• 670-739: Good
• 740-799: Very Good
• 800-850: Exceptional

In most cases, lenders will expect you to have a score of 670 and above to consider you for a loan. This does not mean you can’t get funding with a lower score, but a strong financial history can help you enjoy better loan options, lower interest rates, and flexible repayment plans. You can build your financial record by making timely payments, keeping your balances low, and avoiding opening multiple accounts within the same period. 

HOW DOES BAD CREDIT IMPACT FOOD TRUCK FINANCING?

Having a less-than-required credit score is not a death sentence. In fact, many lenders could overlook your FICO score and give you funding. However, this does not come cheaply and there are some downsides to it. 

• Collateral: Lenders would expect collateral to give you funding, and in most cases, this will be the food truck. 
• Limited loan amounts: A lower FICO score puts a cap on the number of options you have. Plus, loan amounts can be significantly impacted.
• Higher interest rates: There is a perceived level of risk that comes with funding businesses with poor financial history, which makes lenders tend to increase their interest rates. 
• Down payment: Lenders can demand a hefty down payment to improve your chances of getting a loan and this can range from 10-30%. 
• Shorter repayment terms: Lenders may offer shorter repayment periods, resulting in higher monthly payments.
• Hidden fees: Truckers with low FICO scores can also be subjected to paying some hidden fees which can increase the overall cost of financing.

FOOD TRUCK FINANCING OPTIONS WITH BAD CREDIT 

If you are considering getting financing with bad credit, there are a lot of options available to you out there and you can give it your best shot. Let’s explore some of these options here:

EQUIPMENT FINANCING

Tailored to help businesses acquire equipment, equipment financing can help you get a food truck to kickstart your business. This type of loan will demand that you use the equipment as collateral. You can also expect to pay a higher down payment up to 20% of the loan. 

Length for repayment can range from between months to years, and the interest rates depend on agreed-upon terms. On the upside, you get to own the vehicle after paying the loan.

LEASING AND LEASE-TO-OWN PROGRAMS

Leasing is probably one of the best financing available for business owners with poor financial history. Unlike financing, leasing does not require intensive credit checks and inquiries, and this is because it demands lesser financial commitment. By choosing to acquire a food truck using the lease route, you can get a food truck with lower upfront costs. 

Another important thing to note is that when you lease a food truck, you get to use for the period of financing. However, you do not get to keep the vehicle after the financing period is over. This can also come with other limitations such as the inability to customize the truck or make permanent changes. The lease-to-own program, on the other hand, allows you to make regular payments with the goal of ownership at the end of the term.

SMALL BUSINESS ADMINISTRATION (SBA) MICROLOANS

SBA loans give small business owners access to about $50,000 for various business needs which you can use to purchase a food truck. They often have lower requirements and competitive interest rates, making them for those with bad credit. 

ALTERNATIVE LENDERS

You can find alternative lenders online that can provide you with food truck financing with bad credit. These lenders provide tailored financing solutions for people with different financial records, making them an ideal choice. They also have flexible qualification criteria and approval processes. 

STEPS TO SECURE FUNDING WITH BAD CREDIT 

Now that you know that bad credit cannot stop you from getting food truck financing, you want to ensure that you put your best foot forward to get funded and at bearable terms. You can explore the following steps to achieve this:

• Enhance your financial history: Pay attention to your financial records and sort out issues that may keep your score low. Address outstanding debts, make timely payments, and avoid opening too many accounts within a short period. During your search for a financing partner, steer clear of lenders that conduct hard inquiries as this can temporarily reduce scores.
• Consider additional collateral: You can boost your chances of getting favorable loan terms by offering additional assets as collateral. 
• Use a co-signer: In the absence of additional collateral, consider going with a co-signer with a healthy FICO score to bolster your application.
• Consider alternative lenders: Explore online and lenders specializing in bad-credit business loans to give you the best chance.

GET FOOD TRUCK FINANCING WITH BAD CREDIT WITH INSPIRED FUNDING 

Bad credit does not have to stand in the way of getting your dream truck and starting your food business. You should consider reaching out to Inspired Funding, a specialist in helping businesses with less-than-required FICO scores get the financing they need to acquire the vehicles they need and get their business running as soon as possible.

ABOUT INSPIRED FUNDING

Inspired Funding has helped hundreds of truck companies secure the vehicles they need to succeed. Whether you’re expanding your fleet, starting a new business, or navigating bad credit, we’re here to make financing simple and stress-free. 

We specialize in truck financing designed to get your business on the road to success. From box trucks and dump trucks to cargo vans, semi-trucks, and other vocational vehicles, our process is easy. Get guaranteed low payment on used trucks and no hard pulls on credit scores. 

With competitive interest rates, flexible down payments, and manageable repayment plans, you can focus on growing your business without the stress. Start your journey to funding today!

Is your semi-truck consuming more oil than usual? Or perhaps you’ve started hearing some strange noises as you drive? It might be time to consider giving your engine a fresh lease on life with an overhaul.

Overhauling a semi-truck engine is a valuable investment with significant returns. However, the challenge often lies in securing the necessary funds. The great news is that there are several financing options to choose from.  Let’s walk you through everything you need to know, step by step.

UNDERSTANDING SEMI-TRUCK ENGINE OVERHAULS 

The process of overhauling your semi-truck involves a comprehensive examination of your truck’s engine to identify faults and replace damaged parts to ensure your engine is as good as new. Unlike your regular commercial truck repairs, overhauling deals primarily with the engine. 

An experienced mechanic will disassemble the engine, and inspect and fix or replace faulty parts affecting the truck’s performance. When done correctly, a well-done overhaul should bring your truck back to life and make it operate more efficiently.

SIGNS YOUR SEMI-TRUCK NEEDS AN OVERHAUL 

Typically, your truck will show signs that it needs an overhauling. In other cases, your mechanic would recommend it as the best way to get your vehicle working efficiently. Regardless, the signs that you may need an overhauling include:

• Increased oil consumption
• Presence of water in the oil
• Engine knocking noise
• Excessive exhaust smoke
• Low fuel efficiency
• Reduced oil pressure
• Presence of oil sludge

Whenever you notice any of these signs in your semi-truck, it is advisable to visit a qualified mechanic who can assess if an engine overhaul is necessary. 

BENEFITS OF ENGINE OVERHAULING

Choosing to go for an engine overhaul is great for many reasons. For one, it is like giving new life to your semi-truck, allowing it to run more efficiently without the need to frequently consult professionals for a wear in your engine. Let’s explore why overhauling your semi-truck is not just a repair but a smart investment that adds long-term value:

1. Extended engine lifespan: An overhauled engine functions like a new engine which makes it strong enough to go additional miles thus extending its service life. 
2. Enhanced performance: Strong engines don’t need overhauling. Rebuilding an already worn-out engine is like jerking life into it to make it run smoother and better without the need for concern when you are on the road.
3. Cost-effective: Compared to purchasing a new engine or a truck, overhauling is more economical since it only requires fixing and replacing damaged components of the engine. 
4. Reduced downtimes: A well-overhauled engine reduces the possibility of future breakdowns and ensures your truck spends more time on the road than at a repair shop. 

COST OF OVERHAULING

Engine overhauling is no small expense and you can expect to spend up to or more than $10,000 for it. The cost is not fixed and can be determined by a couple of factors, running from the type of engine, the level of wear, the cost of replacing parts, and the labor costs. However, when compared to the cost of purchasing a new engine, overhauling tends to be a more cost-effective option. It allows you to save money while you still enjoy extended lifespan and efficiency on your truck. 

FINANCING OPTIONS FOR SEMI-TRUCK OVERHAULING

While engine overhauling is a cost-effective option compared to purchasing a new engine, there is no denying that it can come with financial strains. It still requires a lump sum of your cash flow which can impact business operations in a significant way. Rather than planning to foot the expenses out of pocket, you can explore a couple of financing options guaranteed to help you reserve your funds. The conditions of these financing options vary from one to the other and we have explained some of them here to help you make the better choice.

EQUIPMENT FINANCING

This is a loan option designed to help business owners fund equipment purchasing and repair. Loan amounts are often determined by the extent of repair, and the collateral is the equipment purchased or repaired. 

BUSINESS LINE

Revolving credit line that allows you access to funds as needed, and interest is only paid on the amount used. 

COMMERCIAL VEHICLE REPAIR LOAN 

Commercial vehicle repair loans are designed to help vehicle owners to cover the costs of repairs. Generally, they are easier to get if you go through servicing facilities or lenders who offer tailored loans for truck owners. 

TERM LOANS

These are lump sum loans with fixed repayment terms and interest rates that you can use for overhauling.  Repayment schedules are spread over a long period ranging from 1 to 10 years.

EMERGENCY BUSINESS LOANS

If your need for an overhaul is urgent, then you can rely on emergency business loans that give you access to the needed funds in a short period like 24 hours. This loan type is designed to quickly help your business get out of a jam quickly.

SPECIALIZED ENGINE OVERHAUL FINANCING

Specialized truck financiers are also great options to look out for when you’re seeking out a loan to overhaul your semi-truck. They offer loans for truck drivers with financing programs for truckers with bad and no credit history. 

FACTORS TO CONSIDER WHEN CHOOSING SEMI-TRUCK FINANCING

Just like choosing to overhaul over purchasing, choosing the financing option is an important decision. Nothing compares to opting for financing that does not add additional financial strain to your business but allows you to get the best terms and peace of mind over the repayment period. Here are some things you should look out for when deciding on the financing option to chose: 

COST OF SEMI-TRUCK OVERHAUL

With many financing options to choose from, you want to select the one that covers the full cost of the overhaul. This can help you filter out options that can only part with a fragment of the total cost.

LOANS INTERESTS AND FEES

All loan types have their unique way of calculating their interest and rates. So don’t be hasty to choose the first option you come across. Take time to compare interest rates, processing fees, and other hidden charges that can increase your total repayment amount. 

REPAYMENT TERMS 

Carefully assess the repayment schedule to see what suits you. While longer repayment schedules tend to reduce monthly payments, making it easier for you to pay up, it can increase the total interest paid. So weigh the pros and cons. 

CREDIT REQUIREMENTS 

It is not uncommon for lenders to assess your capability to pay back the loan based on your credit history. The good thing is that they all have different credit score requirements and your score is a bargaining factor in determining loan terms. 

APPROVAL TIMES

Between credit checks and processing time, some lenders can take time to approve loans. And if you rely on your truck to generate income, being out of service for so long will do your business no good. Regardless, some lenders offer expedited approval processes, enabling you to commence repairs promptly.

STEPS TO SECURE FINANCING 

PREPARE DOCUMENTATION 

Every lender wants to see vital financial, business, and vehicle documents before granting a loan. So make sure you have them handy and ready. These documents include the following:

• Proof of truck ownership
• Financial statements and bank records
• Credit history lenders

RESEARCH REPUTABLE LENDERS 

Assess your financial and business situation before you go shopping for lenders. Evaluate different lender’s loan conditions, interest rates, repayment schedules, and approval times to see the one that works best for you. Also, make sure you ask relevant questions for clarity’s sake. 

SUBMIT APPLICATION

Once you have an understanding of lender requirements, move to the stage by submitting your loan applications. 

REVIEW LOAN OFFERS

Carefully review the loan offers you get. Read the terms and conditions, and if possible, have a professional go through it for you. This will help you grasp the terms of the contract before you sign anything. Also, look out for hidden charges to help you avoid surprises.

FINALIZE THE APPLICATION AND RECEIVE FUNDS

Once all the T’s are crossed and the I’s are dotted, you can finalize the loan process with a handshake and walk away with your funds.

FINANCE YOUR SEMI-TRUCK OVERHAUL WITH INSPIRED FUNDING

Overhauling your engine is the decision your semi-truck will thank you for.  It allows you to enjoy the benefits of a smoothly running truck, helping you meet your daily delivery targets without frequent visits to the mechanic.

When it comes to financing, you do not have to break the bank or be subject to long loan approval processes or seemingly unending credit checks. At Inspired Funding, our goal is to keep you moving forward by ensuring truck breakdowns don’t bring your business to a halt.

ABOUT INSPIRED FUNDING

Inspired Funding has helped hundreds of truck companies secure the vehicles they need to succeed. Whether you’re expanding your fleet, starting a new business, or navigating bad credit, we’re here to make financing simple and stress-free. 

We specialize in truck financing designed to get your business on the road to success. From box trucks and dump trucks to cargo vans, semi-trucks, and other vocational vehicles, our process is easy. Get guaranteed low payment on used trucks and no hard pulls on credit scores. 

With competitive interest rates, flexible down payments, and manageable repayment plans, you can focus on growing your business without the stress. Start your journey to funding today!

It’s common to hear that you need a good credit score to qualify for box truck financing. Your credit score is like a report card that tells the lender all they need to know about how you handle money and if they can trust to pay back a loan. But what if your FICO score falls short of the requirement? Lenders might respond with tougher loan conditions and higher down payments,  which can strain your finances.

Not everyone has the required FICO score for box truck financing, but that shouldn’t hold you back. Let’s break down everything you need to know about securing box truck financing with bad credit so you can make informed decisions.

HOW DOES CREDIT SCORE IMPACT BOX TRUCK FINANCING?

Your FICO score plays a major role in helping you secure a box truck financing. Although it’s just a three-digit number, it goes a long way in telling the financing companies how well you manage money. It also determines how much they are willing to lend you and the associated loan terms.

Ideally, you should aim towards building a healthy FICO score which means higher digit. Higher scores can guarantee fast approval time and more favorable loan conditions. On the other hand, a lower score does not necessarily mean you will not get approved for a loan, it is just that the loan terms may lean more to the advantage of the lender. 

Equally important to consider is the impact box truck loan application can have in your FICO score. Every time you apply for a loan, it triggers a hard inquiry or hard pull, which temporarily lowers your score. A hard inquiry occurs when a financing institution requests a detailed review of your credit report from a credit bureau. Each hard inquiry gets recorded on your credit report and directly impacts your score by reducing it by 5-10 points. If you apply to many companies requiring hard pulls, your score could drop significantly, making it harder for you to qualify for loans in future.

So what do you do to maintain a healthy score?

1. Know your FICO score before applying
2. Use financing companies that use soft inquiries instead of hard inquiries so as not to impact your existing score
3. Conduct research before applying for loans to limit your applications. 

OVERVIEW OF FICO SCORES FOR TRUCK FINANCING

Before we dive into navigating bad credit for your box truck loan, let’s have an overview of FICO score ranges and what they mean. According to research, the following are the breakdown of FICO scores and what they mean.

• 300-579: Poor
• 580-669: Fair
• 670-739: Good
• 740-799: Very Good
• 800-850: Exceptional

In general 67% of Americans have good FICO scores and better. With a good credit score, you can get favourable loan terms, while a lower than required score is often considered bad credit.

WHAT AFFECTS YOUR CREDIT SCORE?

The difference between a fair and good FICO score may seem small, but it carries significant weight. The range you fall into can determine whether you’re instantly considered for a loan or not.

We already discussed how hard inquiries can negatively impact FICO scores and drop them by 5-10 points. Plus, if you have multiple loan companies conducting hard pulls, it can drop your score by a lot. In a nutshell, you want to be mindful of those factors that impact your credit score and manage them well. These factors are highlighted below: 

1. Payment History: This takes 35% of the factors impacting your overall score because it shows how you handle paying up your loans. 
2. Debt owed: This is the total amount of debt you have compared to your available credit limit. It takes 30%.
3. Length of credit history: Refers to how long you’ve been using credit which accounts for 15%
4. New credit: 10% of your score is determined by the amount of new accounts you have and if you have recently applied for a new one. Note that opening too many accounts in a short while can impact your score.
5. Type of credit: Having a mix of different types of credit cards like mortgage, installment loans and car loans impact your FICO score by 10%.

Related article: How To Choose The Right Tow Truck Financing Option

BOX TRUCK FINANCING WITH BAD CREDIT OPTIONS 

Unless you’re opting for the lease option that does not require your FICO score, getting a box truck with bad credit can seem difficult. Let’s look at some of the implications of getting a box truck bad credit financing.

• Higher interest rate loans: With a less than required FICO score, lenders are likely to hit with higher  interest rates.
• Higher down payment: Also expect to part with a higher down payment which can be in the form of a percentage of the total loan amount.
• Strict payment term: Repayment of loan is determined by the lender, and with a poor credit score, they want to make sure you pay the loan within the quickest time .
• Difficult to get a lender: There are many financing options including credit unions and banks. Regardless most of them will want to see  a healthy credit score

HOW CAN I GET BOX TRUCK FINANCING WITH BAD CREDIT?

By now, you likely have an idea of where you stand and can determine if you qualify for box truck financing by assessing your credit situation. The good news is that even if you do not meet up with the credit requirement, you can still get financed. 

At Inspired Funding, we evaluate everyone’s unique financial situation to help determine the best way to assist. That is why we offer box truck financing with no credit. Additionally, you can explore other box truck financing programs to find the option that best suits your needs.

Other benefits of partnership with Inspired Funding include:

1. No minimum FICO score on box truck leasing
2. No minimum credit score for box trucks
3. No hard inquiries 
4. Low down payments on used box trucks. 

BOX TRUCK FINANCING WITH NO CREDIT WITH INSPIRED FUNDING 

The more hard inquiries you get on your credit, the greater the impact. That’s why it’s better to work with lenders that perform soft inquiries just like we do at Inspired Funding. Credit checks are necessary, but having less-than-perfect credit doesn’t mean you have to give up. Our box truck financing offers are designed with you in mind so that you can get your dream truck and hit the road as soon as possible.

Congratulations you have found the best financing for your commercial truck, and you are now in business. Your business brings in a reasonable profit that you use to service your loan and pay yourself a fair income for your hustle. But what happens when your vehicle breaks down or needs quality servicing to keep running efficiently?

Maintaining vehicles is expensive, and for heavy vehicles like trucks, you might have to consider having some cash to fall back on when the need arises. The great thing is you can always opt for truck repair loan to cover recurring and unexpected maintenance costs. These are loans you take specifically for the purpose of fixing your truck, and keeping them on the road.  

Eager to learn more about these loans? Then keep reading as we uncover all that you need to know. 

WHAT IS A TRUCK REPAIR LOAN?

A truck repair loan is the kind of financing obtained to fix trucks. For commercial vehicles that run on a day-to-day basis, maintenance and little fixes are inevitable to ensure they are in great shape and do not break down. But being heavy-duty machinery, maintaining trucks can be expensive, which makes getting a loan a wise option, whether you run a fleet or are an independent operator. 

BENEFITS OF GETTING A TRUCK REPAIR LOAN

Opting for a repair loan has a couple of advantages and some of them are the following:

• Quick access to funds: The need for repairs can sometimes be unplanned. Repair loans ensure that you can access the necessary funds needed even in urgent situations. 
• Keeps business running: A day off the road means loss of income. And the more time you spend off can lead to loss of clients and business. By getting access to funds, you can get back to work and keep generating consistent income. 
• Flexible payment options: Instead of covering the cost of maintenance outright and possibly impacting your cash inflow and reserves, repair loans ensure that you fix your vehicle while spreading your payments over some time. 
• Helps build credit: Timely payment of loans equals a boost in your credit score, which improves your chances of getting future loans. 
• Enhance truck value: A repair loan can help you get the best part replacements and maintenance. This will help reduce breakdowns and extend the life of your vehicle. 

HOW MUCH DO TRUCK REPAIRS COST?

Recent findings show that the current size of the truck repair market in the US is $18.4bn. This means that a lot of money goes into maintenance yearly. Yet, the amount you pay to fix a truck often depends on the gravity of the wear and the rate of the service provider. 

There are a lot of factors to consider. For example, you could be required to replace parts like the engine, battery, or steering. In other cases, the age and condition of the vehicle can be determining factors. If you drive one of the best truck brands, you can expect to cut down on maintenance costs, but on average, repairs can cost as much as $15,000 per annum minus tire replacement costs. 

WHAT ARE THE TYPES OF LOANS FOR TRUCK REPAIR?

Looking for financing options to fix your truck? The good news is that there are numerous choices out there, and you will be spoilt for options. You can also go for a personal loan, equipment financing, or factoring. More importantly, you can find a solution that fits your needs and budget.

COMMERCIAL VEHICLE TITLE LOANS

When you obtain a commercial vehicle title loan, you use your truck title as collateral. It is a fast financing option that is ideal for financing repairs. However, using your title as collateral means that you may risk losing your truck if you miss payments as the lender keeps the title until you fully repay the loan. 

Key things to note for this type of repair loan are that loan terms and high rates are highly dependent on the value of your vehicle. So if you’ve got great credit, opt for it but remember to stick to the repayment plan to avoid losing your vehicle.

EQUIPMENT FINANCING OPTIONS

Equipment financing loans provide you with the financing you need to purchase or fix your truck if it has enough equity to serve as collateral. What this means is that your equity has to be higher than the amount needed for repair. 

Your equity is the liquidation value of your equipment less the outstanding loan amount, while the cost of repair is the total estimated cost of repair that you need for an equipment financier. 

Remember: Equity in Equipment ≥ Cost of Repairs. In essence, equipment works for vehicles that have significant equity. If your truck does not fall into these categories, then you can try other options. 

REFINANCING

If your truck is already financed, then you should consider the refinancing option. It works by replacing your current loan with a new one which you can now use to fix your vehicle. 

If you are consistent in paying your former loan, then you can get better terms such as reduced monthly payments, lower interest rates, and extended repayment periods. The benefits of refinancing include an improved cash flow and great savings opportunities as you now have smaller payments to make. 

COMMERCIAL VEHICLE REPAIR LOANS

Commercial vehicle repair loans are designed to help vehicle owners to cover the costs of repairs. Generally, they are easier to get if you go through servicing facilities or lenders who offer tailored loans for truck owners. 

SMALL BUSINESS TERM LOANS

Another financing option you can explore is the small business term loan which allows you to borrow a lump sum of money and repay it in regular installments over a set period. 

These loans can be ideal for larger expenses like truck maintenance because they spread the payments over time, making them more manageable with less financial strain. Here are other things you should know about small business term loans: 

• You can usually borrow up to two times your monthly business revenue.
• Credit history and financial health are vital requirements in securing this loan and they determine loan terms, like interest rate and repayment period.
• The interest is tax-deductible, offering a financial benefit.

BUSINESS CASH ADVANCES

Also called Merchant Cash Advance, or (MCA), business cash advances can give quick funds to help you sort out your repairs while repayment is deducted over a while from your future cash flow. MCAs provide immediate relief, but they often come with high interest rates deducted daily, weekly or monthly. 

FACTORING

You can count on the services of a factoring company to help you raise the needed funds for truck maintenance. All you need to do is sell your unpaid invoices to a factoring company instead of waiting for your customers to pay. The factoring company will give you most of the money upfront and charge a fee for their service.

For example, if you have unpaid invoices worth $50,000, a factoring company can pay you a portion of that right away. Once the customer pays, the factoring company keeps their fee and gives you the rest.

Note that factoring can be expensive especially when you calculate the cost over a period of time and it doesn’t build business credit. 

REQUIREMENTS FOR SECURING TRUCK REPAIR LOANS

Just like regular business loans, you’ll need to provide documentation to prove your ability to repay the loan. Below is a list of the basic requirements a lender will need from you before granting you a loan:

• Personal details
• Valid business information
• Credit history
• Business financial document
• Document showing vehicle details and current condition
• Proof of insurance
• Proof of truck ownership
• Collateral (in most cases, the truck)
• Down payment

HOW TO APPLY FOR  LOAN FOR TRUCK REPAIR LOAN

With adequate preparation, you can get the best repair financing and fast-track your approval rate. Here is how you can do that: 

• Check your credit score: Ideally, the higher your credit score, the better your chances of getting approved for a loan and securing better terms and interests
• Prepare your financial statements: Lenders will check your business’s financial health so prepare relevant documents like bank statements, tax returns, proof of income, and every other important financial record. 
• Compare lenders: From the different types of financing options explored, it’s obvious that they all have different terms. Instead of sticking with the first one you find, compare their conditions and rates to find the best one that works for you. 
• Look out for specialized lenders: Specialized lenders access your unique financial situation different from traditional banks to provide tailored loan solutions. They can be your best bet if you need a truck repair loan with bad credit.
• Ask about hidden fees:  Clarify all fees and charges, including prepayment penalties or late fees, to avoid surprises later.

HOW TO SECURE THE BEST COMMERCIAL TRUCK REPAIR LOAN WITH INSPIRED FUNDING

Repairs are unavoidable expenses. And if you run a fleet, it is best to always be prepared for the unexpected. So don’t feel bad when your vehicle needs a quick fix after all the hard work, instead focus on partnering with a reliable financial expert like Inspired Funding. At Inspired Funding, we make securing your truck repair loan as seamless as possible so that you can get back to business quickly.

ABOUT INSPIRED FUNDING

Inspired Funding has helped hundreds of truck companies secure the vehicles they need to succeed. Whether you’re expanding your fleet, starting a new business, or navigating bad credit, we’re here to make financing simple and stress-free. 

We specialize in truck financing designed to get your business on the road to success. From box trucks and dump trucks to cargo vans, semi-trucks, and other vocational vehicles, our process is easy. Get guaranteed low payment on used trucks and no hard pulls on credit scores. 

With competitive interest rates, flexible down payments, and manageable repayment plans, you can focus on growing your business without the stress. Start your journey to funding today!

The U.S. Senate has passed the Transportation Security Screening Modernization Act, a bipartisan effort aimed at simplifying the credentialing process for commercial drivers. Introduced by Senator Roger Wicker (R-Miss.), the TSA clearance bill seeks to address the time-consuming and costly challenges truckers face in obtaining essential security credentials while maintaining high security standards.

Senator Wicker, a ranking member of the Armed Services Committee, emphasized the bill’s importance in strengthening the supply chain and workforce. “This bill will help essential workers save time and money, adding more truckers to the workforce and keeping supply chains moving,” Wicker said.

KEY HIGHLIGHTS OF THE BILL

• Streamlined Credentialing Process: Combines redundant applications for credentials such as:
  • Transportation Worker Identification Credential (TWIC)
  • Hazardous Materials Endorsements (HME)
• Cost Saving: Reduces financial burdens on truckers by cutting off repetitive background checks and associated fees.
• High Security Standards: Ensures stringent measures are upheld despite simplified processes.
• TSA Reporting: Requires the Transportation Security Administration (TSA) to provide Congress with a progress report six months after the bill is enacted.

INDUSTRY ENDORSEMENTS

The American Trucking Associations (ATA) has expressed its support for the bill. ATA President Chris Spear tagged it a “victory for common sense.” In his speech, Spear praised the legislation for removing unnecessary bureaucratic hurdles, as truckers now find it easier and less expensive to obtain essential credentials. “After years of paying the price for an inefficient credentialing system, relief is finally within sight for truck drivers and other essential transportation workers who keep our supply chain running,” he stated.

WHAT’S IN IT FOR TRUCKERS?

The bill has yet to be voted on by the House of Representatives before being sent to the president for final approval. Once enacted, it is expected to:

• Reduce administrative delays for truckers.
• Make the workforce more efficient and accessible.
• Enhance the trucking industry’s contribution to maintaining a strong, reliable supply chain.

This landmark legislation represents a win for truckers and the broader transportation industry, promising significant improvements to how credentials are obtained.

ABOUT INSPIRED FUNDING

If you’re looking for the best financing for your truck business, Inspired Funding is here for you. With tailored financing plans and a range of flexible options, we make it easy for you to get the truck you need and make paying for it a breeze.

Inspired Funding has been helping businesses finance various commercial vehicles, including semi-trucks, cargo vans, dump trucks, and other essential heavy equipment to keep your business moving. We offer competitive interest rates and affordable down payments to fit your budget.

Worried about credit? No problem! We can help you navigate credit score challenges by providing financing solutions designed to get you on the road faster.

Ready to finance a bulldog or a dragon wagon? Give us a call today to get started!

It is every trucker’s dream to drive a high-powered and efficient truck that operates without the constant worry of breakdowns or costly repairs. Indeed, nothing beats owning a truck that provides peace of mind while allowing you to run your day-to-day operations without stress. This is made possible by investing in a truck that is designed to deliver these essential benefits.

While some brands are more popular than others, others have built a reputation of being every trucker’s first choice. In this article, we explore some of the best semi-truck brands to buy from and highlight what sets them apart.

WHAT ARE THE BEST SEMI-TRUCK BRANDS TO GET IN 2024?

FREIGHTLINER

When it comes to medium and heavy-duty trucks, Freightliner has etched its name as a household name. With their trucks made to last, it is no wonder that they are a top choice for drivers looking for dependability and longevity. 

A popular Freightliner truck is the Cascadia known for its aerodynamic design, fuel efficiency, and its engine is either powered by Detroit or Cummins heavy-duty engine. Freightliners also have advanced and automated safety features, making them ideal for overall efficiency in long-haul and urban transportation.

VOLVO

People often discuss Volvo in terms of its quality and safety, two words that have become synonymous with the brand. As a manufacturer of different vehicles, Volvo’s commitment to safety also rubs off on their trucks as they are equipped with advanced safety features. So if safety is a top priority for you, then you should go for Volvo. But that is not all about Volvo trucks. 

Other benefits of Volvo trucks include efficient fuel management, durability, advanced technology, and great resale value. Volvo also has one of the most successful trucks as the FH has sold over 1.4 million units to date.

The Volvo VN and VNR are also the most talked-about for their fuel efficiency. The VNR is particularly great for regional-haul and urban delivery. 

MACK

Mack trucks are popular because of their functionality. As one of the largest manufacturers of trucks in North America, Mack Trucks has a reputation for being known as tough work trucks.

Mack was founded by Jack and Gus Mack in 1900 and was initially known as the Mack Brothers Company, but later switched to vehicle manufacturing. In April 2000, Volvo acquired the parent company of Mack Trucks, Renault Vehicules Industriels, making Mack Trucks a subsidiary of Volvo. 

Most Mack Trucks run on the Cummins L9 engine which means higher performance and lower maintenance. Some popular Mack trucks include Mack Anthem and Mack Titan. You can identify the Mack Anthem by its bold design, but you can count on its great aerodynamics and fuel efficiency. The Mack Titan, on the other hand,  is an ideal choice if you are operating heavy-duty tasks.

KENWORTH

If you are looking to get the best value for your money, then a Kenworth semi-truck may be what you are looking for. Nicknamed the K-Whoppers, Kenworth trucks are reliable and durable and can be trusted for several uses. 

The T680 and T880 models are bestsellers Kenworth trucks that have been lauded for efficiency, functionality, and durability. 

On the one hand, the lifespan of the T680 is set at 1.5 million, which means it can last for decades. The T880, on the other hand, is known as a versatile workhouse and is popular for its ruggedness and engine makeup.

PETERBILT

Peterbilt started in 1939 and specializes in the production of medium and heavy-duty trucks and commercial vehicles. A standout feature of Peterbilt semi-trucks is their durability and low maintenance. 

The Peterbilt 379 semi-truck, for example, is built to last, often running up to 750,000 miles without needing a rebuild, with many even surpassing the 1,000,000-mile mark.

The Peterbilt 389 is another model truckers love. It comes with a 600-hp Cummins engine, advanced safety technology, and comfort features that ensure a smooth and enjoyable driving experience, even on long hauls.

INTERNATIONAL

If you’re looking for heavy-duty and medium-duty severe-service vocational trucks, you should consider going for International. Their semi-trucks are built with high technology that ensures efficiency and durability.

Popular among International truck models are the LT and RH series. They both feature the S13 Integrated Powertrain, which enhances fuel efficiency and reduces emissions. The LT Series is designed for long-haul driving, combining comfort and efficiency.

On the other hand, the RH Series is built for local and regional haulage. It has a maneuverable design that makes it ideal for navigating tighter spaces. 

WESTERN STAR

Western Star builds durable and versatile trucks which makes it a go-to choice for truckers serving diverse industries. Powered by Detroit and Cummins truck engines, Western Star semi-trucks are designed to handle the toughest conditions. They also have sturdy steel frames and rust-resistant coatings that ensure that they perform for a long time while requiring minimal maintenance. 

Popular Western Star trucks include the 47X, 49X, and the 57X. The 47X is known for its durability, the 49X is one of the most advanced heavy-duty trucks while the 57X has driver-focused designs and advanced safety features. 

CONCLUSION

Buying a semi-truck is a big move, and you must prioritize getting the one that will serve you in the long run. Common qualities you should look out for include durability, fuel efficiency, safety, and low-cost maintenance among others. The brands listed above are trusted and can give you great value for your cash. 

ABOUT INSPIRED FUNDING

Inspired Funding has helped hundreds of truck companies secure the trucks they need to succeed. Whether you’re expanding your fleet, starting a new business, or navigating bad credit, we’re here to make truck financing simple and stress-free. 

We specialize in truck financing designed to get your business on the road to success. From box trucks and dump trucks to cargo vans, semi-trucks, and other vocational vehicles, our process is easy. Get guaranteed low payment on used and no hard pulls on credit scores. 

With competitive interest rates, flexible down payments, and manageable repayment plans, you can focus on growing your business without the stress. Start your journey to funding today!