Built for owner-operators, contractors, and working crews who need a truck that earns. We connect you with commercial lenders who understand the job.
Initial application is intended for matching. If a lender needs a hard credit pull, you will be notified first.
Torque Hub works with commercial lenders who specialize in work vehicles — not just consumer car loans. Whether you need a single truck or you're building a small fleet, we can help you find the right financing structure.
Single axle, tandem axle, tri-axle. New and used. For contractors, haulers, and landscapers running materials every day.
Open deck trucks for equipment haulers, towing operations, and trade contractors who need a versatile work platform.
Delivery trucks, utility trucks, and mobile service vehicles for contractors and tradespeople who work out of their truck.
Class 8 financing for owner-operators entering OTR hauling or expanding a small fleet. New and used units available.
Bucket trucks, crane trucks, tankers, refrigerated units, and other specialized commercial vehicles depending on lender availability.
Getting your first truck or adding to your operation. We work with startups and established operators.
Grading, hauling, excavation, landscaping. If the job requires a truck, we can help you put one to work.
Adding a second or third unit to your fleet. Commercial lenders who understand growth-stage businesses.
Credit score is one factor. Down payment, income, and the truck itself all matter. Apply and let us find the fit.
Takes less than 2 minutes. Name, phone, credit range, and the unit you want. No hard pull at this stage.
Based on your credit, income, down payment, and the truck, we identify the best lender fit from our commercial network.
Most approvals happen within minutes to a few hours. We contact you directly with next steps — no runaround.
Once approved, move on the unit before someone else does. Inventory moves fast on quality work trucks.
Commercial truck financing is different from consumer auto loans. Lenders weigh multiple factors — not just your credit score.
We work with buyers across the full credit spectrum, including scores below 600. A strong down payment or income history can offset a lower score in many cases.
Programs vary. Some lenders offer low or no money down options. A larger down payment typically improves your rate and terms. Come with what you have — we will work with it.
Startups and new operators are welcome. Some programs are designed specifically for buyers who are just getting started in commercial hauling or contracting.
Ready to find the truck? Browse current inventory on Torque Hub. Apply for financing first or browse and apply when you find the right unit.
Yes. Most of the commercial trucks on Torque Hub are quality used units. Financing is available for both new and used trucks depending on the lender and vehicle condition.
Dump trucks, flatbeds, box trucks, rollbacks, tractor-trailers, service trucks, and other commercial vehicles. If it works for a living, we can typically help finance it.
Not always. Requirements vary by lender and truck type. Many smaller commercial trucks do not require a CDL. Our team can help match you with the right lender based on your situation.
Yes. We work with all credit situations. Credit score is one factor, but down payment, income, and the truck itself also matter. Don't let your score stop you from applying.
Most approvals happen within minutes to a few hours. We move fast so you don't lose the truck to another buyer.
Get your financing lined up before the right unit is gone. Takes less than 2 minutes to apply.
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