Torque Hub

Get Pre-Approved. Get To Work.

Work truck, trailer, and equipment financing built for buyers who are ready to move.

Most approvals happen fast — often the same day.

Serving commercial buyers across the Southeast and nationwide.

Get your financing lined up before the right truck is gone.

Built for contractors, owner-operators, farmers, and working crews who need equipment that earns.

Complete a short intake, tell us about your business, then continue to our secure financing application.

Applying For

Start Your Application

Quick intake. No obligation.

Phone required so a financing rep can move fast on your behalf.

Financing starts with a soft credit check that will not affect your credit score.

Your information is secure and will only be used to match you with financing options.

Initial application is intended for matching. If a lender needs a hard credit pull, you should be notified first.

Submitting this form does not guarantee approval. Terms vary by lender, credit profile, collateral, and documentation.

✔ Commercial vehicle financing
✔ Equipment & trailer financing specialists
✔ Used truck financing available
✔ Fast approvals for business use

✓ Application Received!

We will be in touch shortly to discuss your financing options. Keep an eye on your phone.

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What You Can Finance

Commercial Truck Financing

Whether you need a dump truck, box truck, flatbed, rollback, or tractor-trailer, Torque Hub connects you with commercial vehicle financing. New businesses, owner-operators, and established fleets are all welcome. Most approvals happen fast — often same day, not weeks.

Equipment Financing

Skid steers, wheel loaders, excavators, forklifts, tractors, and other work equipment. Equipment financing lets you put machines to work before they're fully paid off — turning your financing into a revenue tool, not just a debt. All credit situations considered.

Trailer Financing

Equipment trailers, enclosed trailers, dump trailers, flatbed trailers, gooseneck trailers, dry vans, and race trailers. Trailer financing is available for both new and used units. If it hauls, we can connect you with financing for it.

Ready to move on the right unit?
Get pre-approved now and lock it in before someone else does.

Who This Is For

✔ Owner-operators and independents
✔ Small business owners
✔ Contractors and trade businesses
✔ Farm and agricultural operations
✔ First-time commercial buyers
✔ Buyers with challenged credit

What Happens After You Apply

1
We receive your application
Your information comes straight to our team, and we follow up with you directly.
2
We get your financing started
We'll gather the information your financing partner needs so you don't have to enter it twice.
3
You get a decision fast
We'll contact you directly with your decision and next steps.
4
Go get your unit
Once approved, you're ready to move on the truck, trailer, or equipment you want — before someone else does.

Frequently Asked Questions

Does applying affect my credit score?

No. Submitting your application through Torque Hub is intended for initial matching. If a lender needs a hard credit pull, you should be notified before that step.

What credit score do I need?

We work with all credit situations — including buyers with scores below 600. Credit score is one factor, but income, down payment, and the unit itself also matter. Don't let your credit score stop you from applying.

Can I finance a used work truck?

Yes. Most of the inventory on Torque Hub is quality used commercial vehicles. Financing is available for both new and used trucks, trailers, and equipment depending on the lender and unit condition.

How long does approval take?

Most approvals happen within minutes to a few hours. In some cases it may take one business day depending on the lender and documentation needed. We move fast so you don't lose the unit.

Do I need a down payment?

It depends on the lender and your credit profile. Some programs are available with little to no money down. A down payment can improve your rate and terms, but it is not always required to get approved.

Can I finance equipment for my business?

Yes. Financing is available for commercial equipment including skid steers, excavators, loaders, forklifts, and agricultural equipment — for established businesses and startups alike.

Ready to Browse?

Apply first, then shop with confidence. Or browse available inventory by category and apply when you find the right unit.

Trucks Trailers Construction Farm Other

Get Pre-Approved Today

Don't wait until the unit is gone. Secure your financing now.