A real person from our partnership team will reach out directly.
Built to Keep Deals Moving2–4 hrsMost credit decisions come back within hours, helping sales teams maintain momentum. Direct & 25+FPG is a direct lender with access to 25+ strategic funding partners for more ways to get a deal done. $350KApplication-only financing available up to $350,000, subject to credit approval. Dedicated TeamReal people who understand trucks, trailers, equipment sales and vendor programs.
Financing that works at the speed of an equipment sale
Fast decisions matter when a driver has a load lined up, a carrier is adding a lane or a buyer is comparing your unit against one at another lot. Speed alone is not enough — sellers also need flexible structures and people who understand the equipment, the buyer and the deal.
The Equipment Seller's Perspective
Financing should help create the yes — not show up after the no.
Your priority is to move units, shorten the sales cycle and protect margin. When financing is treated as an afterthought, the buyer may already have decided to keep running an older truck, buy from a lot that talked payments first, or wait until the next contract is signed.
Sell the payment against the revenue
Owner-operators and carriers measure a truck by what it earns. A monthly payment lets the buyer weigh the unit against the loads and lanes it will run.
Keep the tractor and trailer together
Presenting financing early keeps the trailer on the same deal as the tractor instead of becoming a separate decision the buyer puts off.
Move used inventory
Used trucks and trailers sell faster when the buyer sees a payment they can plan around. Financing gives your reps a reason to close now.
Protect margin
Give customers structure and payment flexibility before discounting the unit or throwing in extras becomes the easiest way to save the deal.
We Speak Over-the-Road
Built around the equipment that moves freight
FPG finances new and used over-the-road trucks and trailers, from a single unit to a set for a growing carrier. We underwrite the buyer and understand that equipment type, age, mileage, condition and resale value can all influence how a transaction should be structured.
Sleeper TractorsClass 8 sleeper tractors for long-haul owner-operators and carriers.
Day Cab TractorsDay cabs for regional, local and dedicated routes.
Heavy-Duty TrucksClass 7 and 8 trucks for regional haul and freight operations.
Dry Van TrailersDry vans for general freight, dedicated lanes and drop-and-hook work.
Refrigerated TrailersReefer trailers and refrigeration units for temperature-controlled freight.
Flatbed & Step-Deck TrailersFlatbeds, step-decks and drop-decks for open-deck loads.
Lowboy & Heavy-Haul TrailersLowboys, RGNs and multi-axle trailers for oversize and heavy loads.
Tanker & Bulk TrailersTankers, pneumatic and bulk trailers for liquid and dry bulk hauling.
Selling a tractor and trailer together, or several units to a carrier adding capacity? FPG can structure financing around the complete deal rather than one unit at a time.
Why Equipment Sellers Use FPG
One financing relationship. More ways to get the deal done.
FPG combines direct lending, in-house underwriting and a network of strategic funding partners. That gives your sales team more flexibility without forcing them to manage multiple lender relationships on every opportunity.
More flexibility without more complexity
- Direct lending plus access to 25+ strategic funding partners
- Structures for A, B and C credit profiles, including owner-operators and growing carriers
- Fast decisions on straightforward transactions
- Support for tractor-and-trailer combinations and multi-unit carrier deals
- A named finance team that works directly with your sales reps
People who understand the equipment and the sale
Over-the-road deals are not generic business financing. The unit, its age and mileage, the buyer's operating experience and the freight they haul all matter. FPG's team works with sellers and buyers to structure the transaction around the equipment and the way it will earn.
Your FPG truck & trailer finance team
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Jon McBrideSVP, Growth & Strategic Partnerships — Hard Assets
Casey GoodellVP, Strategic Sales & Partner Development
Kristopher TozierVP, Strategic Sales & Partner Development
Flexible Structures
Typical programs are not one-size-fits-all.
The right structure depends on the buyer, the unit and when the truck starts earning. FPG can structure the sale around how the buyer runs freight instead of forcing every owner-operator and carrier into the same payment pattern.
Equipment Finance Agreements
Traditional structures for customers that want predictable payments and ownership economics.
Purchase Options
Fixed-term structures designed for customers who intend to own the equipment at the end of the term.
Residual Structures
Options that can reduce scheduled payments when a residual value makes sense for the asset and transaction.
Deferred Payments
Structures that can give a buyer time to get the truck on the road and hauling before regular payments begin.
Seasonal Payments
Payment schedules that can be aligned with a carrier's busy and slow freight seasons.
Step Payments
Lower early payments that step up over the term, useful for carriers ramping into new lanes or contracts.
Tractor-Trailer & Multi-Unit Packages
One transaction covering a tractor and trailer, or several units for a carrier, instead of separate paperwork for each.
New & Used Equipment
Financing for new units and for qualifying used trucks and trailers, including trade-in and remarketed inventory.
Dealer-installed equipment such as APUs, inverters and trailer tracking can be included alongside the unit, so buyers can finance a road-ready truck rather than the chassis alone.
How It Works
From equipment quote to funded sale
Your sales team stays focused on the customer and the next unit instead of chasing financing paperwork.
1
Quote the Unit
Your rep builds the proposal around the truck, the trailer and the freight the buyer plans to haul.
2
Present Financing
Introduce payment options early instead of waiting for a cash flow objection.
3
Customer Applies
The buyer completes the branded application from a phone or desktop.
4
FPG Structures the Deal
We underwrite the opportunity and determine the best available structure.
5
Documents & Funding
FPG handles documents and funds the seller on delivery and acceptance.
6
Sell the Next Unit
Your reps stay focused on drivers, carriers and the next opportunity.
The goal: make financing part of the sales motion without turning your sales team into a finance department.
Program Capabilities
Everything your team needs to use financing as a sales tool
FPG builds the program around your sales process and supports the tools, training and marketing needed to make financing easy to introduce — in the quote, at a trade show or on the lot.
Custom Program Design
A financing structure built around how you sell.
You getA program that supports your margin and close rate
Your reps getSimple guidance for when and how to introduce financing
Co-Branded Financing Assets
Marketing support that helps make financing visible before the objection.
You getAccess to our CMO for special co-branded marketing campaigns and financing content
Your reps getReady-to-use assets that make financing easier to introduce and promote
Sales & Quote Tools
Make monthly-payment selling easier for your team.
You getTools that support payment-based selling without building technology internally
Your reps getA simple way to move from project cost to a financing conversation
Ongoing Enablement
A dedicated finance team that stays engaged after launch.
You getVisibility and support across active financing opportunities
Your reps getSomeone to call when a live deal needs help
Payment-Based Selling
Help customers evaluate the payment, not just the unit price.
Owner-operators and carriers think in revenue per mile and per load. A monthly payment puts the truck or trailer in those same terms, so the conversation shifts from sticker price to what the unit needs to earn each month.
| Equipment Investment | 36 Months | 48 Months | 60 Months | 72 Months |
|---|---|---|---|---|
| $65,000Example: dry van trailer or a used day cab | $2,052 | $1,602 | $1,334 | $1,156 |
| $175,000Example: new Class 8 sleeper tractor | $5,525 | $4,314 | $3,591 | $3,112 |
| $450,000Example: two tractors with reefer trailers for a growing carrier | $14,206 | $11,092 | $9,234 | $8,001 |
Illustrative estimates only. Rates, terms and structures are subject to credit approval and may vary.
Truck & Trailer Financing FAQ
Questions equipment sellers ask
Why should our sales team introduce financing before a customer raises a cash flow objection?
Introducing financing earlier gives the buyer more ways to evaluate the purchase. Instead of discussing only the unit price, your rep can frame the decision around a monthly payment and compare it against the revenue the truck or trailer will generate.
How is this program different from vocational truck financing?
Over-the-road buyers are owner-operators and carriers who earn by hauling freight, so the deal is built around the unit, the buyer's operating experience and the freight they run. Vocational trucks are built for a specific job and sold to fleets in trades and services. FPG supports both, with a separate program for vocational sellers.
Can a tractor and trailer be financed in one transaction?
Yes. A tractor and trailer, or several units for a carrier, can be structured as a single transaction rather than separate paperwork for each, which keeps the trailer from becoming a decision the buyer puts off.
Do you finance used trucks and trailers?
Yes. FPG finances new and qualifying used trucks and trailers, including trade-in and remarketed units. Age, mileage, condition and resale value typically affect the term rather than eligibility.
Can FPG help owner-operators and smaller carriers?
Often, yes. FPG is a direct lender with in-house underwriting and access to 25+ strategic funding partners, so A, B and C credit profiles can be placed. A thinner profile usually means a shorter term or a down payment rather than a decline.
Can payments start after the truck is on the road?
Deferred and step structures can give a buyer time to put the unit to work before regular or full payments begin. Availability depends on the transaction and credit approval.
How fast are decisions?
Most credit decisions come back in two to four hours. Multi-unit deals, larger transactions, unusual structures or more complex credit situations can require additional review.
What happens when a deal does not fit FPG's direct-lending box?
FPG also works with 25+ strategic funding partners. That gives the team additional ways to structure qualifying transactions without forcing the seller to manage separate lender relationships.
When does the seller get paid?
FPG funds your company in full on delivery and acceptance. The purchaser pays FPG based on the agreed terms. You receive payment, and FPG manages the financing from there.
Vendor Partner Result
Financing support that helps create more sales opportunities
30%reported increase in pipeline
“FPG has been instrumental in driving opportunities in our pipeline. Their strategic insights and tailored solutions increased our pipeline by 30%.”— FPG Client | Vendor Partner
The value is not just access to capital. It is giving the sales team another tool to keep an opportunity moving when price, payment structure or credit flexibility could otherwise slow the deal down.
All financing is subject to credit approval. Terms and structures vary based on the customer and transaction. Payment examples shown on this page are illustrative and are not an offer or commitment to lend.