Your Trusted Commercial Truck, Trailer, &

Equipment Finance Company


Get ahead of the competition with fast, custom financing for your commercial trucks, trailers, and equipment. Whether you're a seasoned entrepreneur, or are just starting out, American Truck Finance is your one-stop shop for tailored financing solutions.

Our Services


  • Loans

    Discover seamless financing solutions designed to facilitate the acquisition of both new and pre-owned commercial equipment. Our offerings include straightforward simple interest loans and equipment finance agreements, all tailored to suit your specific needs.

  • TRAC Leases

    A TRAC lease, or Terminal Rental Adjustment Clause lease, is a type of lease commonly used in the commercial trucking and transportation industry. It is specifically designed for financing the acquisition of commercial vehicles, such as trucks and trailers.


    In a TRAC lease, the lessee (the business or individual leasing the vehicle) agrees to make monthly lease payments for the duration of the lease term, which is typically several years. At the end of the lease term, the lessee has the option to purchase the vehicle for a predetermined residual value, which is set at the beginning of the lease.


    TRAC leases offer several benefits for businesses, including lower monthly payments compared to traditional loan financing, flexible lease terms, and the ability to accurately budget for future vehicle purchases. Additionally, TRAC leases may provide tax advantages, as lease payments are typically considered a deductible business expense.


    Overall, TRAC leases are a popular financing option for businesses in the transportation industry looking to acquire commercial vehicles while managing cash flow and maximizing flexibility.



  • Start Up Companies

    Looking to hit the road as a new entrepreneur? We offer financing solutions tailored to startups.   We understand the unique challenges faced by new businesses, and even have programs for those with limited credit history. Get approved quickly and get rolling with our streamlined application process. Let's help you steer your startup towards success!

  • Challenged Credit Programs

    We recognize that even the most determined individuals may encounter credit obstacles. That's why we provide programs that don't impose a minimum credit score requirement. With lease and loan options available and down payments typically ranging from 25% to 40%, our programs are designed to empower you to reach your objectives. Whether you're a first-time buyer, looking to upgrade equipment, or striving to overcome financial challenges, we offer the resources and assistance necessary for your success.

  • Fleet Financing and Expansion

    Expand your fleet with ease! We offer financing solutions for established businesses with 3+ trucks, including leases and loans with typically favorable terms (0-10% down payment). Even if your fleet is new or your credit isn't perfect, we can help. Our streamlined friendly process gets you approved quickly. Let us help you drive your business forward.

  • Working Capital Loans

    Businesses can bridge short-term needs with working capital loans, meant to cover everyday operational expenses like payroll, seasonal fluctuations, or unexpected repairs. Unlike loans for long-term assets, these provide a quick financial boost to keep your business running smoothly.

We Put You First


Our dedication to outstanding customer service is at the core of everything we do. By prioritizing transparent communication, personalized assistance, and a deep understanding of your needs, we strive to build lasting partnerships that drive the prosperity and satisfaction of all our customers.

Why American Truck Finance?

Customer-Centric Service

Like a Dependable Truck, We prioritize seamless and reliable service.

Transparent Approach

Similar to clear logistics, our processes are straightforward and transparent.

Customized Solutions

Just like trucks are tailored for specific needs, our solutions fit you unique requirements.

Dedication to Excellence

We're constantly improving to provide top-tier service.

Equipment We Finance

 but not limited to...


  • Dump Trucks
  • Day Cabs
  • Sleeper Trucks
  • Box Trucks
  • Vocational Vehicles
  • Specialized Trucks
  • Construction Equipment
  • All Commercial Trailers 


Getting pre-qualified for commercial equipment is the smart first step for any business looking to make a significant investment.


Simply complete our form by clicking on the box below, and one of our representatives will reach out to you.


Pre-Qualify

Interested in starting your own trucking company or being an owner operator?


WE'VE GOT YOU COVERED!!


Click the button below to have our FREE interactive Start-Up Trucking Guide emailed directly to you.

In this guide you will find step-by-step advice, real-world tips, and a fillable business plan you can complete as you go.   We worked with professionals throughout the trucking industry to compile a detailed guide to help people just like you not only get started but to be SUCCESSFUL!!

 

Latest Articles

June 18, 2025
Whether you're running a startup or growing an established business, having savings is crucial. A strong financial cushion can help you weather slow seasons, cover unexpected expenses, invest in new opportunities, and avoid high-interest debt. But saving isn’t just about putting money aside when things are good—it’s about building consistent habits and smart systems that support long-term stability. Here’s how to get started. 1. Start with a Clear Goal Before you save a dime, decide what you’re saving for. Emergency fund? Expansion? New equipment? A few common business savings goals include: - Emergency fund (3–6 months of expenses) - Equipment replacement - Seasonal slowdowns - Tax payments - Future hires or expansion Knowing your target gives your savings a purpose and keeps you motivated. 2. Separate Business and Personal Finances Mixing personal and business money can sabotage your savings goals. Open a dedicated business savings account—ideally one that earns interest—and use it solely for your business reserves. Benefits of separating accounts: - Easier bookkeeping - Better legal protection - Clear visibility into your business’s financial health 3. Build an Emergency Fund First Every business should have a rainy day fund. Start by aiming for one month of expenses, then gradually work up to 3–6 months. This money should be easily accessible, but not so easy that you're tempted to dip into it for non-urgent costs. 4. Automate Your Savings Set up automatic transfers from your checking to your savings account weekly or monthly. Even if it’s a small amount, consistency adds up over time. Treat your savings like a bill—non-negotiable and recurring. 5. Cut Unnecessary Costs Audit your expenses and look for savings opportunities: - Cancel unused software subscriptions - Negotiate better rates with vendors - Outsource only what’s necessary - Reduce energy or utility costs Redirect the money you save straight into your business savings account. 6. Create a “Profit First” System Inspired by the Profit First method by Mike Michalowicz, this system involves: 1. Taking profit off the top of your income 2. Allocating the remainder to expenses, taxes, and owner’s pay 3. Making your business live off what’s left This flips the traditional equation of Sales – Expenses = Profit to Sales – Profit = Expenses, ensuring you save consistently. 7. Use Windfalls Wisely Tax refunds, unexpected large payments, or strong seasonal revenue? Resist the urge to spend it all. Consider using a portion (30–50%) to grow your savings buffer. 8. Revisit and Adjust Regularly Business conditions change. Review your savings goals and contributions quarterly to ensure they still match your needs. Adjust based on growth, new risks, or opportunities. Final Thought: Consistency Over Size Don’t stress about how much you can set aside. What matters most is building the habit. Saving $100 every week for a year gets you over $5,000 closer to financial freedom—and peace of mind. Want more tips on managing business finances or building credit? Reach out to us at American Truck Finance to learn how we help businesses build strong financial foundations for growth.
May 22, 2025
In business, cash isn’t just king—it’s survival. Every successful business owner knows that maintaining healthy cash flow is critical to weathering downturns, seizing new opportunities, and staying agile in a competitive market. That’s why more and more companies are choosing to finance their equipment purchases instead of paying upfront. If you're debating whether to buy or finance equipment for your business, here's why preserving your cash through financing might be the smartest decision you make this year. ________________________________________ Why Cash Flow Matters Cash is the lifeblood of your business. It covers payroll, rent, inventory, marketing, and other day-to-day operations. Tying up significant amounts of cash in a single equipment purchase can restrict your ability to operate efficiently—or worse, leave you vulnerable in the face of unexpected expenses. Financing protects your cash reserves, giving you the flexibility to adapt, invest, and grow. ________________________________________ The Hidden Cost of Paying Upfront Many business owners think paying in full is the simplest option, but it can come with hidden costs: • Lost opportunities: Could that capital be better used for launching a new product, hiring talent, or marketing? • Reduced liquidity: If a crisis hits, you may not have the cash cushion you need to recover. • Slower growth: Without access to cash, scaling your operations becomes much harder. When you finance equipment, you spread out the cost over time—making large, strategic purchases without compromising your working capital. ________________________________________ The Benefits of Financing Business Equipment 1. Keep Your Capital Working Rather than sinking funds into depreciating assets, financing allows you to reinvest that capital in areas with a higher return on investment, such as sales, customer acquisition, or product development. 2. Plan Better with Predictable Payments Financing agreements come with fixed monthly payments, making it easier to manage budgets and forecast cash flow. No surprises—just stability. 3. Stay Competitive with New Technology Technology changes fast. Financing gives you access to the latest equipment without the burden of buying it outright. Leasing even lets you upgrade at the end of the term, keeping you on the cutting edge. 4. Gain Tax Advantages Depending on your region and how the financing is structured, you may be eligible for tax deductions on interest, depreciation, or even full equipment costs under certain sections of the tax code. Always consult a tax professional to maximize these benefits. 5. Build Business Credit Financing equipment is also a great way to establish or improve your business credit. Timely payments show lenders you're a responsible borrower, which can help secure better financing terms in the future. ________________________________________ Real-World Example: The Smart Way to Grow Imagine you're a growing construction company. You need a new excavator to take on larger projects. Buying one outright costs $150,000. That’s a huge cash outlay that could delay hiring or other investments. Instead, you choose to finance it over 5 years at a manageable monthly rate. Now, you have the equipment to generate revenue immediately—without draining your reserves. You can keep bidding on bigger jobs while preserving your financial flexibility. ________________________________________ Financing Is a Strategic Tool Financing equipment isn’t just about affordability—it’s a strategic decision to protect your cash, increase operational efficiency, and support sustainable growth. When done right, it allows you to scale your business without compromising liquidity or future opportunities. If you’re considering an equipment purchase, take a step back and ask: “Is tying up my cash the best move?” In most cases, the answer is no. Financing gives you more control, more flexibility, and a smarter path to long-term success. ________________________________________ Need help finding the right financing option? Contact us at American Truck Finance today to explore options tailored to your business size, industry, and growth goals.
October 3, 2024
Understanding the 2024 Section 179 Deduction: A Guide for Small Businesses
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