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

October 17, 2025
The 2025 tariff shifts are causing shockwaves across global trade—but for U.S. trucking companies, they could be the beginning of something big. As overseas sourcing becomes more expensive and companies rethink their supply chains, America’s roads, rigs, and regional lanes are suddenly back in the spotlight. Nearshoring, cross-border trade, and domestic manufacturing are on the rise—and every one of them needs wheels. In this moment of disruption, the smartest trucking companies won’t just survive—they’ll dominate. Here’s how. ________________________________________ 1. Ride the Reshoring Wave Tariffs are driving a surge in companies pulling manufacturing back to North America—especially Mexico and the U.S. South. That shift means more freight volume moving regionally and cross-border, and less dependence on ocean ports and long-haul drayage from the coasts. What to do: • Build relationships with shippers in emerging reshoring hotspots like Texas, Arizona, Georgia, and the Midwest. • Offer transload and final-mile services near cross-border entry points. • Adjust capacity and fleet routing to match new lane demand. 🚛 Reshoring = Regional freight = Opportunity for nimble carriers. ________________________________________ 2. Take the Lead on Cross-Border Freight With Mexico quickly becoming a top alternative to Asia, cross-border trucking is one of the hottest growth markets in the industry . But it’s not plug-and-play—shippers need experienced, reliable partners who can handle customs, compliance, and capacity. Get ahead by: • Investing in bilingual staff and customs clearance knowledge. • Partnering with Mexico-based carriers or launching cross-dock operations near the border. • Providing real-time tracking and secure transport for high-value goods. Carriers that master the border will own the next decade of freight. ________________________________________ 3. Offer Value-Added Services That Help Shippers Navigate Tariffs Shippers are confused. They’re facing new tariffs, changing cost structures, and shifting global relationships. Trucking companies that do more than just “haul freight” will stand out. How to stand out: • Offer freight consulting: help customers avoid high-cost trade lanes or optimize inland distribution. • Bundle warehousing, cross-docking, and final-mile services for domestic reshoring clients. • Build in flexible pricing options to accommodate fluctuating duties or shipping delays. The more problems you solve, the more irreplaceable you become. ________________________________________ 4. Double Down on Technology and Visibility With costs rising due to tariffs, shippers want predictability, visibility, and efficiency. Technology is no longer a “nice to have” — it’s the difference between being chosen and being cut. Invest in: • TMS systems that optimize routing and reduce empty miles. • GPS and ELD tools that provide real-time load updates. • Customer dashboards for transparency on shipments, fees, and delays. Tech-enabled trucking isn’t just efficient — it’s trustworthy. And trust wins freight. ________________________________________ 5. Dominate Regional and Final-Mile Markets As more manufacturing shifts domestically and inventory decentralizes, there's less long-haul from ports and more regional freight from inland hubs. Final-mile, short-haul, and multi-stop loads are on the rise. Consider: • Expanding operations in regional distribution hubs. • Offering flexible fleet models for high-volume, high-frequency lanes. • Partnering with 3PLs and shippers that need help covering shorter, time-sensitive routes. Tariffs may reduce imports, but they increase the need for regional coverage—and that’s your lane. ________________________________________ 6. Make "Made and Moved in America" Your Brand Consumers and companies alike are more focused on buying American-made products—and that includes how they’re shipped. Carriers that lean into domestic pride and supply chain strength can turn policy into marketing. Tell your story: • Emphasize your role in strengthening U.S. supply chains. • Promote your service to American manufacturers and local suppliers. • Show how you're helping businesses reduce overseas dependence. You're not just a truck. You're the engine of domestic resilience. ________________________________________ 7. Train, Retain, and Build for the Long Haul Tariffs may shift quickly, but the larger trend—toward supply chain localization and trade control—is here to stay. That means consistent demand for reliable, responsive domestic transportation. Use this moment to: • Invest in driver training and retention to meet rising regional demand. • Upgrade equipment to handle a broader range of cargo types. • Secure new freight contracts with reshoring manufacturers and distributors. This is more than a short-term spike—it’s a foundational shift in how freight moves. ________________________________________ From Disruption to Dominance Tariffs have disrupted global trade—but for the U.S. trucking industry, they've opened a massive window of opportunity. With overseas sourcing losing favor and regional freight booming, the road ahead belongs to those ready to move fast, think big, and adapt smart. This is your chance to do more than keep up - - - - - - > It’s your chance to lead. Disruption is here. But so is dominance—for those ready to drive it. AMERICAN TRUCK FINANCE IS HERE TO HELP YOU FINANCE YOUR FUTURE!!! MAKE YOUR POWER MOVE WITH US!!!
October 17, 2025
In today’s economic climate, uncertainty is everywhere. Inflation is still a topic of concern. Interest rates remain elevated. Geopolitical tensions continue to ripple through supply chains. And yes, recession whispers are still floating around boardrooms and news headlines. So if you're hesitating before making a large business purchase — new equipment, a facility upgrade, a fleet expansion, major tech investment — you’re not alone. But here’s the truth: waiting indefinitely can cost more than acting strategically. In fact, for many businesses, now could be the right time to move forward — if the decision is guided by clarity, not fear. ________________________________________ Uncertainty Is the New Normal — But Opportunity Still Exists It’s natural to want to wait until things “settle down.” The problem is, we’ve been in a state of volatility for several years now , and markets may not “normalize” the way they did in the past. The businesses that thrive aren’t the ones waiting for the perfect time — they’re the ones making calculated, well-timed moves while others pause. “In every period of uncertainty, those who invest strategically gain an edge while competitors hesitate.” ________________________________________ Prices May Not Drop — And Waiting Could Cost More Many business leaders assume that if they wait, prices will fall. But that’s not always true, especially in categories like: • Heavy equipment • Fleet vehicles • Manufacturing tech • Software platforms • Commercial real estate Due to persistent inflation, higher input costs, and strong demand , prices for many assets remain sticky — and in some sectors, they’re still rising. Delaying a purchase could result in: • Higher prices six months from now • Missed production/output opportunities • Supply chain delays when demand spikes again ________________________________________ Capital Is Still Accessible — If You Move Intelligently Yes, interest rates are higher than they were a few years ago. But capital is still flowing. Banks, leasing firms, and equipment lenders are actively financing business purchases — especially for companies with strong fundamentals. Options worth considering: • Leasing vs. buying to preserve cash • Section 179 tax deductions for equipment purchases • Low-interest financing offers from manufacturers or vendors • Strategic use of credit to lock in long-term ROI If you can secure competitive terms now, you may avoid tighter credit conditions down the road. ________________________________________ Investing Now Can Position You for Growth Later Historically, many of the most successful companies made bold investments during uncertain periods — not during boom times. Here’s why: • Less competition : While others are pausing, you can secure assets or market share. • Better vendor leverage : Fewer buyers can mean better terms, support, or incentives. • Readiness for rebound : When the economy shifts back to growth, you’ll be ahead of the curve — not scrambling to catch up. Your competitors may be playing defense. This is your chance to play smart offense. ________________________________________ The Right Purchases Add Stability — Not Risk Let’s be clear: this is not about reckless spending. It’s about strategic investment in what your business actually needs to perform better, reduce costs, or expand intelligently. Ask yourself: • Will this purchase help us operate more efficiently? • Will it increase capacity or improve service? • Can we project positive ROI within a realistic timeframe? If the answer is yes, then it’s not a risk — it’s a resilience move . ________________________________________ Confidence Is a Competitive Advantage During times of uncertainty, leadership matters more than ever . Your employees, partners, and customers are looking for signals — and decisive action sends the right one. By making a smart, strategic purchase, you communicate: • Confidence in your business model • Belief in your future • Stability and preparedness That confidence can ripple outward, reinforcing your brand and culture — especially when others are frozen in place. ________________________________________ Don’t Let Fear Be Your Strategy In uncertain economic times, the easy path is to delay. But the most successful business owners and executives know: clarity beats comfort. If you’ve done the math, aligned the decision with your goals, and vetted the risk, then hesitation may be your biggest threat — not the economy. So yes, times are uncertain. But your vision doesn’t have to be. Now isn’t about reckless growth — it’s about smart positioning. The businesses that make the right investments today are the ones leading tomorrow. ________________________________________ Ready to Move Forward? American Truck Finance Can Help. If you're ready to take the next step — whether it’s upgrading your fleet, adding new equipment, or expanding your operations — American Truck Finance is here to help you move forward with confidence. We specialize in flexible, fast, and strategic financing solutions. Our team understands your industry, your challenges, and your potential — and we’re committed to helping you turn uncertainty into opportunity. ✅ Competitive rates ✅ Fast approvals ✅ Customized solutions Let’s finance your bold move — and drive your business into what’s next.
September 4, 2025
Understanding the 2025 Section 179 Deduction: A Guide for Small Businesses
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