Trailer Financing

Trailer financing across dry van, reefer, flatbed, lowboy, and tanker — single units or fleet packages with duty-cycle terms. Representative example: a $50,000 trailer runs about $9xx/month.*

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The Trailer Reality

Trailers are the quiet capital of trucking — long-lived, value-holding assets that lenders routinely underprice. We finance them on their actual economics: duty cycle, spec, and the freight they enable.

Built for This Asset

Structures priced by people who know what a trailer earns and how it holds value — not a generic credit box.

Transportation Expertise

Part of our Transportation vertical: payment structures matched to how this industry's revenue actually arrives.

Backed by $1B

A $1B forward flow agreement with TPG gives Elevex institutional capital strength with entrepreneurial speed.

What We Finance

Dry van trailers — new and used
Refrigerated (reefer) trailers with unit-life terms
Flatbeds, step decks, and Conestogas
Lowboys and heavy-haul RGNs
Tankers and pneumatics
Fleet trailer packages and drop-lot expansions

Payment Structures

The differentiation: four ways to own the same equipment, engineered to your cash flow. Compare them side by side on our structures page.

Operating Lease

Off-balance-sheet treatment with end-of-term flexibility — return, renew, or purchase. Often the right answer when technology cycles or accounting outcomes drive the decision.

$1 Buyout Lease

Own the equipment for one dollar at term end. Fixed payments, full Section 179 eligibility, and a clean path to ownership.

Seasonal & Step Payments

Payments that follow your revenue curve — lighter in slow months, heavier in peak season, or stepping up as new equipment ramps to full production.

Usage-Based & As-a-Service

Payments tied to hours, output, or consumption. The category Elevex is defining: pay for what equipment achieves, not what it costs.

How It Works

Three steps from quote to funded.

1 · Apply in Minutes

Application-only to $1,000,000 — no tax returns or financials below that threshold. Have your equipment quote, auction listing, or build spec ready.

2 · Structure Together

A finance professional (not a portal) walks the structure options — term, seasonality, end-of-term — and prices the deal to your cash flow.

3 · Fund in 24–48 Hours

Most transactions fund within 24–48 hours of signed documents. Your vendor gets paid; you get to work.

Common Questions

Is trailer-only financing available, or do I need to finance a tractor too?

Trailer-only deals are standard — single units to fleet packages, standalone or alongside existing equipment. Trailers hold value well, which keeps structures flexible.

How do reefer trailers finance differently from dry vans?

The refrigeration unit carries its own service life and cost curve, so reefer structures account for unit hours and replacement timing — terms that respect the whole asset, not just the box.

Can I finance a used trailer?

Yes — used trailer financing is standard business, whether the unit comes from a dealer, an auction, or a private seller. We value working assets on condition and remaining service life, not a blanket age cutoff, and set terms the equipment can actually support.

Does a trailer qualify for Section 179?

Most business-use equipment placed in service this tax year qualifies for Section 179 expensing, financed or purchased outright — often meaning the first-year deduction outruns your first-year payments. Run your numbers on our Section 179 calculator and confirm specifics with your tax advisor.

How fast can trailer financing close?

Application-only decisions to $1,000,000 come back in minutes for qualified credits, and most deals fund within 24–48 hours of signed documents. Apply online with your quote to start.

EDITOR NOTE (remove before launch): *Representative example for illustration only — not an offer of credit. Actual payment depends on credit profile, term, structure, and equipment; all financing subject to approval. Explore <a href="/equipment-financing">equipment financing</a>, <a href="/equipment-leasing">equipment leasing</a>, or estimate tax savings with the <a href="/section-179-calculator">Section 179 calculator</a>.

Ready to finance your trailer?

Payments built on outcomes, from the team that knows your industry. Equipment sellers: offer financing at the point of sale with CapVex.

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