Delivery Route Financing
Flexible financing solutions for your delivery route needs.
Apply in Minutes
Find competitive unsecured business loan rates and options
Credit Score
Payment Frequency
Draw As Required
Our flexible credit line serves as an immediate extension of your operational capital.
Adaptable & Renewable
We offer immediate renewals and early settlement discounts for lower interest rates.
Pay Only When Utilized
Access the full amount instantly or draw as required. Secured alternatives available.
Why Explore Delivery Route Financing?
If you’re in the transportation industry and need a new truck, the costs can be overwhelming—but we’re here to make it easier. Financing for commercial trucks is different from a standard car loan, which can make the process more complex but still very achievable. Since trucks are much larger and more costly than passenger vehicles, their upkeep also adds significant expenses, including repairs, fuel, tire replacements, oil changes, and routine maintenance. Because of these high costs and industry failure rates, many lenders view truck financing as risky—yet it remains a profitable and essential business. Fortunately, some lenders are willing to help you secure the truck you need for your routes. At LDC Funding, we’re proud to be one of them.
Amount funded
Up to $5,000,000
Repayment term
4 months – 2 years
Financing cost
Starting at 8%
Funded within
1 day
Why Choose Us for Delivery Route Financing?
Fast Results
It takes just 5 minutes to fill out your application and just a few hours to get offers!
Flexible Terms
We help you compare your options with ease and always work to get you the most favorable terms.
Expert Support
Our advisors will make sure that the product you have chosen will suit your business needs best.
Applying for Delivery Route Financing
When applying for delivery route or commercial truck financing, you’ll need to provide details about the vehicle, your business, and yourself. The truck often serves as collateral, but lenders require full transparency before approving funds. Having complete information ready makes the process smoother and increases your chances of approval.
Vehicle Information
Lenders need a clear picture of the vehicle you’re financing. They prefer newer models with low mileage, ideally from certified dealerships. Be ready to provide:
- Condition report and repair history
- Odometer mileage and seller details
- VIN (Vehicle Identification Number)
- Year, make, and model
- Footage and type of use (vocational or long-haul)
Insurance Requirements
Insurance protects both you and your lender from unexpected losses. Strong coverage helps build lender confidence and keeps your loan safe in case of accidents. You may need:
- Liability coverage
- Cargo coverage
- Non-trucking liability
- Physical damage coverage
- Trailer interchange coverage
Business Documentation
Lenders want proof that your business can handle loan repayments. Strong financial records and a solid business history can qualify you for larger amounts and better terms. Common documents include:
- Balance sheets and profit-and-loss statements
- Business tax returns
- Bank statements
- Proof of business registration
- DOT and FMCSA numbers (if requested)
Personal Information
Even though funds are for your business, lenders also review your personal background. This ensures they can trust you to manage and repay the loan responsibly. They may look at:
- Credit score and lending history
- Bankruptcy or criminal records
- Overall financial responsibility
Requirements by Lender Type
Each funding source has different requirements. Lenders may be more flexible with credit, while banks are strict and prefer experienced businesses with excellent credit. Truck financing companies fall somewhere in between, understanding industry risks but still requiring proof of stability.
Down Payment Expectations
Most delivery route loans require a down payment, usually between 0% and 25%, with 15% being common. Lenders also want to see cash reserves of at least $10,000 to cover payments, insurance, and repairs. A stronger credit profile can reduce these requirements.
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