How much down payment do startups need?

Startup programs typically require 10-20% down. A larger down payment can offset thinner business history and improve approval odds.

Do I need an LLC or can I apply as a sole proprietor?

Both work. LLCs, S-Corps, C-Corps, and sole proprietors can all apply. You'll provide your entity type and EIN (or SSN for sole proprietors) on the application.

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Built for startups & new businesses

Startup Trailer Financing — Under 2 Years? No Problem.

Q: Can I finance a trailer if my business is under 2 years old?

Yes. We work with lenders that specialize in startups and businesses under 2 years old. You'll typically need 3 months of business bank statements and a personal guarantor with acceptable credit.

Q: What credit score do I need as a startup?

Most startup trailer financing programs look for a personal guarantor with a 680+ FICO. Applicants with lower scores may still qualify with a larger down payment.

Traditional banks say "come back in two years." We say let's get you working today. Startup-friendly trailer financing with flexible documentation and fast decisions.

New businesses under 2 years welcome
3 months of bank statements accepted
LLC, S-Corp, C-Corp, or sole proprietor
Fast online application — 24-hour decisions
Personal guarantor programs available
Financing for dealer or private-seller trailers

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What Startup Lenders Look For

Four simple ingredients that turn a new business into a funded trailer deal.

3 Months Bank Statements

Recent business bank statements show cash flow when your business is too new for tax returns.

Business Entity Info

LLC, corporation, or sole proprietor with EIN. Registered business name and address.

Personal Guarantor

A personal guarantor with a 680+ FICO score strengthens your application significantly.

Down Payment

10-20% down helps offset limited business history and unlocks better rates and terms.

How Startup Financing Works

A quick, transparent process designed around new businesses.

Apply Online

Tell us about your business, credit profile, and the trailer you want.

Upload 3 Months of Bank Statements

Secure upload portal — takes 2 minutes and stays private.

Get Funded

Review your offer, sign, and pick up your trailer from the dealer or seller.

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Startup Financing FAQ

Can I finance a trailer if my business is under 2 years old?

Yes. We partner with lenders that specialize in startups. You'll typically need 3 months of business bank statements and a personal guarantor.

What credit score do I need as a startup?

Most startup programs look for a 680+ FICO on the personal guarantor. Lower scores may still qualify with a larger down payment.

How much down payment should I plan for?

Plan for 10-20% down. More down means better rates and higher approval odds. See our startup financing guide for details.

What if my business has no tax returns yet?

That's exactly why we use bank statements. Startup programs are built to evaluate cash flow when tax returns don't exist yet.

Your Business Is Ready. Let's Fund It.

Apply in minutes and get matched with startup-friendly trailer lenders.

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