Trucking Business Loans in Aurora, CO
Trucking business loans in Aurora fund the tractors, trailers, and working capital that keep owner-operators and small fleets moving between Denver, DIA, and the I-70 and I-76 freight corridors. We work with drivers running their first authority as well as 20-truck fleets adding drop-and-hook capacity.
Because a truck is hard collateral, lenders regularly approve deals with credit scores as low as the low-600s when the equipment and use case make sense. Newer trucks with clean titles get the best rates; older units still finance but on shorter terms.
Marquette matches your file to lenders active in Colorado freight — equipment finance companies, specialty trucking lenders, and factoring providers who understand seasonal cash flow.
- First-truck purchase for a new owner-operator
- Fleet expansion — 2nd, 3rd, or 10th truck
- Trailer, reefer or specialty equipment financing
- Working capital between broker checks
- Factoring for straight-line cash flow
- Refinancing high-rate startup notes
- CDL and MC/DOT authority (or in process)
- Personal credit 600+ for most programs
- Bank statements (3–6 months) or brokerage statements
- Truck info (year, make, VIN)
- Insurance in force at closing
From intake to funded in four steps.
“The trucking finance market has a lot of noise — brokers dial for dollars on high-priced advances with no disclosure. We only work with lenders who show you an APR, a payment schedule, and prepayment terms in writing before you sign. If someone won't, that's your answer.”
Questions Aurora operators actually ask.
Can I finance a truck with a 620 credit score?+
Yes. Trucking is one of the most credit-flexible verticals because the asset itself secures the loan. Expect 12–15% money-factor rates at that score on used trucks; better tiers hit 8–10%.
How much down payment?+
$0 down is possible on newer trucks with strong credit. Older units or startup authority typically require 10–20% down.
Do you finance startup authority (first truck)?+
Yes — several lenders do first-truck deals for new authority. Expect higher rates and 10–20% down until you have 6+ months of settlements.
Factoring vs a line of credit — which is better?+
Factoring pays out per invoice and is cheaper for load-by-load operators; a line of credit is better once you have consistent monthly billing and reliable brokers.
Can I finance a trailer separately?+
Yes. Trailer-only financing (dry van, reefer, flatbed, tanker) is a common standalone product.
Talk to Aurora about trucking business loans.
15-minute call. Real advisor. Real answer on whether this is the right program for your Aurora business.