Get Financing | Torque Hub

Q: 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.

Q: Can I finance a used work truck?

Yes. Financing is available for both new and used trucks, trailers, and equipment depending on the lender and unit condition.

What We Finance

Commercial Truck Financing

Whether you need a dump truck, box truck, flatbed, rollback, or tractor-trailer, Torque Hub connects you with lenders who specialize in commercial vehicle financing. New businesses, owner-operators, and established fleets are all welcome. Most approvals happen within minutes — not days.

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

Livestock trailers, enclosed trailers, dump trailers, flatbed trailers, hoppers, dry vans, and race trailers. Trailer financing is available for both new and used units. If it hauls, we can help you finance it.

Ready to move on the right unit?

Get 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

We receive your application

Your info goes directly to our team. No bots, no automated runaround.

We match you with the right lender

Based on your credit, income, and the unit you want, we find the best fit from our lender network.

You get a decision fast

Most approvals happen within minutes. We'll contact you directly with next steps.

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. We finance commercial equipment including skid steers, excavators, loaders, forklifts, and agricultural equipment. Business financing is available for established businesses as well as startups.

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 Approved. Get To Work.

Start Your Application

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