Guides
Borrowing against a truck you already own - what it is worth, what the lender checks, and what happens if you fall behind
A title loan turns equity you already own into working capital without selling the truck or waiting on a receivable. These guides cover what a truck is worth to a lender, what an existing lien does to the deal, and where title lending is the wrong tool. Start with commercial truck title loans, or see how equipment is appraised.
Truck title loans advance a percentage of the truck's wholesale value, not what you paid or what it is listed at. See how advance rates work and what moves them.
Read moreTitle loan terms differ between a single owner-operator truck and a fleet. How concentration risk, cross-collateral and documentation change the structure and the pricing.
Read moreA truck title loan is secured by the asset your revenue depends on. Which uses of the proceeds pay for themselves, which bridge a defined gap, and which make things worse.
Read moreTitle loan or merchant cash advance for a trucking business? How secured equity borrowing compares to a revenue advance on cost, repayment shape and what happens if freight slows.
Read moreYou can often borrow against a truck that still has a loan on it. How payoff-and-replace differs from a second position, what each costs, and which lenders will consider it.
Read moreTruck title loan or sale-leaseback? One borrows against the truck and keeps your title; the other sells it to a lessor and leases it back. How ownership, cost and treatment differ.
Read moreA truck appraisal decides the advance. See what inspectors check, why records matter as much as condition, and how to prepare so the valuation reflects the truck you actually own.
Read moreDefaulting on a truck title loan risks the asset your revenue depends on. The usual sequence from missed payment to repossession, deficiency balances, and where to intervene.
Read moreSend the VIN, the mileage and what is still owed. We will tell you plainly what the equity supports.