Financing built for working trucks.
No corporate hoops. We work with a network of commercial truck lenders so we can match you to the structure that actually fits — owner-operator, fleet, or first-time commercial buyer.
Financing that works for your situation
One-size-fits-all financing doesn't work for commercial trucks. Tell us your situation and we'll point you at the lenders most likely to say yes.
Owner-operators
Whether you're buying your first truck or replacing a workhorse, we'll match you with a lender who understands the road life.
Farmers & ranchers
Seasonal cash flow, equipment trades, ag-friendly terms — we've worked with western Nebraska producers for generations.
Fleet managers
Multiple-unit financing, line-of-credit structures and lease options for operations growing 5 to 50+ trucks.
First-time commercial buyers
New to commercial credit? We'll walk you through what lenders look for and what to bring to the table.
Simple. Fast. Honest.
Tell us your situation
Submit the inquiry below or stop by the lot. We keep it conversational — no commitment, no hard credit pull.
We shop the lenders
Floyd's works with a network of commercial truck lenders. We send your scenario to the ones most likely to say yes — and get you the best terms.
Approval & keys
Once you pick a structure that works, we close the loan and hand you the keys. Most deals wrap up in a few business days.
Things buyers ask first
Don't see your question? Submit the form below or call (308) 632-0423.
There's no single cutoff. Our lender network works across the credit spectrum — we've closed deals for buyers with thin files, past bankruptcies, and 800+ scores. The right structure depends on your full picture, not one number.
Typical commercial truck loans run 10–25% down, but it varies by lender, truck age and your profile. First-time buyers usually need a larger down. Strong credit and a recent unit can sometimes qualify for less.
Most heavy-duty truck loans run 36 to 60 months. Newer trucks can stretch longer; high-mileage used trucks generally stay under 48 months.
We focus on financing trucks from Floyd's lots — that's how we keep terms and pricing tight. If you've found something we don't carry, talk to us anyway: we may be able to source it or offer a comparable unit.
Yes. Submit your truck on the Sell or Trade page and we'll work the trade value into your financing scenario.
Start the conversation
No commitment, no hard credit pull. Tell us a little about your situation and we'll get back to you with a real path forward.