Small business loans for commercial equipment and vehicles

Keep everything running smoothly—replace, upgrade, or expand equipment.

Apply now for a small business equipment loan..
  • Up to $250,000 loan amounts
  • Up to 84 monthsterms availableDisclosure 1
  • Up to 100%financing available, plus 10% for soft costsDisclosure 2

How Small Business Equipment Loans Work

How it works:

  • Apply for a specific loan amount. 
  • Choose the length of your loan.
  • The vehicle you’re buying typically serves as collateral.
  • Make scheduled monthly payments of principal and interest.
  • Track your balance online.

Best if you want to:

  • Own your business vehicles
  • Upgrade, replace, or expand your equipment
  • Get potential tax deductionsDisclosure 3

Apply for a card that fits your needs.

Small business credit cards

Extra buying power. More financial freedom. Rewards potential.

Learn more about small business credit cards.
Learn how about commercial loans.

Resources

Expand your knowledge with resources for better business strategies. Stay up-to-date with trending topics, news, and research.

    {0}

    {0}

    {2}
    {6}
    {7}
    {8}
    {9}
    {12}
    {10}
    {11}

    {3}

    {1}
    {2}
    {6}
    {8}
    {9}
    {10}
    {11}
    {14}
    {12}
    {13}
    {1}
    {2}
    {7}
    {8}
    {9}
    {10}
    {11}
    {14}
    {12}
    {13}
    View more business banking resources.

    Contact us

    We’re here to hear–– and help.

    Let’s chat about how we can help you take care of business.

    Make an appointment.

    Schedule an in-person or virtual appointment.

    Schedule an appointment

    Call us.

    Talk to a Small Business specialist at 833-866-5129.

    Component ID : "accordionGridLayout-1475727166"
    Model : "disclaimer"
    Position : "left"

    Disclosure 1 For example, a $40,000 loan for 84 months at 10.09% will result in monthly payments of $665.91. Rates are subject to credit approval.

    Disclosure 2 Eligible soft costs may include, but are not limited to, equipment add-on(s), delivery fees, taxes, and tag & license costs/fees. Extended warranties, maintenance contracts, or GAP insurance are not eligible soft costs. Also, a request to finance soft costs applies only when borrower is financing passenger vehicles, commercial vehicles, construction equipment or agriculture equipment. Request by borrower to finance any other type of equipment is not eligible for soft cost financing. Also note, Bank may, at any time and at its sole discretion, determine if soft costs, not listed above, may be eligible for financing.

    Disclosure 3 Truist and its representatives do not offer tax or legal advice. Please consult your tax advisor and/or attorney regarding your individual circumstances.

    Loans and lines of credit are subject to credit approval. Standard underwriting guidelines and credit policies apply.

    Disclosures

    Truist Bank, Member FDIC. © 2025 Truist Financial Corporation. Truist, the Truist logo and Truist Purple are service marks of Truist Financial Corporation.

    Equal Housing Lender

    Investment and Insurance Products:

    • Are Not FDIC or any other Government Agency Insured
    • Are Not Bank Guaranteed
    • May Lose Value

    TRUIST is a service mark of Truist Financial Corporation (Truist) and its affiliates.

    Services provided by Truist Financial Corporation (Truist) affiliates: Banking products and services, including loans and deposit accounts, provided by Truist Bank, Member FDIC. Trust and investment management services provided by Truist Bank. Securities, brokerage accounts and /or annuities offered by Truist Investment Services, Inc., an SEC registered broker-dealer, and member FINRA and SIPC, and a licensed insurance agency. Investment advisory services offered by Truist Advisory Services, Inc. and GFO Advisory Services, LLC, SEC registered investment advisers. Some insurance products offered by Truist Investment Services, Inc. Other insurance products offered by McGriff Insurance Services, LLC (McGriff), Kensington Vanguard National Land Services, LLC (Kensington Vanguard) and Crump Life Insurance Services, LLC (Crump). Truist Life Insurance Services (TLIS) is a division of Crump, Arkansas License #100103477. Variable insurance material is for broker-dealer or registered representative use only. Variable products distributed by P.J. Robb Variable (PJRV), LLC, Arkansas License #100110185. Member FINRA.

    McGriff, Kensington Vanguard, Crump, TLIS, and PJRV are not affiliated with Truist Financial Corporation or any of its subsidiaries.

    Truist Securities is a trademark of Truist Financial Corporation. Truist Securities is a trade name for the corporate and investment banking services of Truist and its subsidiaries. All rights reserved. Securities and strategic advisory services are provided by Truist Securities, Inc., member FINRA and SIPC. Lending, financial risk management, and treasury management and payment services are offered by Truist Bank.

    Mortgage products and services are offered through Truist Bank. All Truist mortgage professionals are registered on the Nationwide Mortgage Licensing System & Registry (NMLS), which promotes uniformity and transparency throughout the residential real estate industry. Search the NMLS Registry.

    Comments regarding tax implications are informational only. Truist and its representatives do not provide tax or legal advice. You should consult your individual tax or legal professional before taking any action that may have tax or legal consequences.

    "Truist Advisors" may be officers and/or associated persons of the following affiliates of Truist, Truist Investment Services, Inc., and/or Truist Advisory Services, Inc. Truist Wealth, International Wealth, Center for Family Legacy, Business Owner Specialty Group, Sports and Entertainment Group, and Legal and Medical Specialty Groups are trade names used by Truist Bank, Truist Investment Services, Inc., and Truist Advisory Services, Inc.

    Applications, agreements, disclosures, and other servicing communications provided by Truist Bank and its subsidiary businesses will be provided in English. As a result, it will be necessary for customers to speak, read and understand English or to have an appropriate translator assisting them. Truist offers phone support in Spanish at 844-4TRUIST (844-487-8478), option 9. For assistance in other languages, please speak to a representative directly.

    New York City residents:

    Translation or other language access services may be available. When calling our office regarding collection activity, if you speak a language other than English and need verbal translation services, be sure to inform the representative. A description and translation of commonly-used debt collection terms is available in multiple languages at http://www.nyc.gov/dca.

    Borrowers with Limited English Proficiency (LEP) needing information can use the following resources:

    The Consumer Finance Protection Bureau (CFPB) also provides additional resources for homeowners seeking payment assistance in select languages at: https://www.consumerfinance.gov/housing/housing-insecurity/help-for-homeowners/

    Site footer

    Footer Navigation

    Banking products
    About Truist
    Resources
    Support

    © 2025, Truist. All Rights Reserved.