Miami, Florida

Truck financing from a team that knows Miami freight.

BH Trucking Capital is based in Miami, where trucking means port drayage, produce reefers, last-mile box trucks, and lanes up I-95 and across I-75. We package South Florida files for lending partners that fund here — and nationwide.

Start Pre-Approval Why Local Context Matters

Pre-qualification is not a final approval. All financing is subject to credit approval, equipment review, and lender underwriting. Terms vary by applicant and equipment.

South Florida freight

Miami trucking isn't generic — your financing file shouldn't be either.

How a lender reads your file depends on the work your truck will do. These are the deal types we see most from Miami-Dade, Broward, and Palm Beach operators.

Port drayage

Container work out of PortMiami and Port Everglades runs older day-cab tractors hard. Lenders that understand drayage look at TWIC cards, port credentials, and steady container volume — not just truck age.

Day cabs and used tractors
Chassis and container work
Credentialed drivers strengthen files

Produce & reefer lanes

South Florida's produce season and import volume keep reefers busy from Homestead to the Northeast. Reefer files hinge on unit-hours and service records as much as the trailer itself.

Reefer trailers and units
Seasonal revenue considered
Northbound lane experience helps

Local & last-mile

Delivery, moving, and courier businesses across Miami-Dade and Broward run box trucks year-round. Contracts and route agreements carry startup files further than credit alone.

12–26 ft box trucks
Startup scenarios reviewed
Bilingual team — hablamos español

Florida specifics

What Florida buyers should budget for beyond the truck.

Financing conversations in Florida go smoother when the whole cost picture is on the table from the start:

Sales tax: Florida charges sales tax on commercial vehicle purchases (6% state plus any county surtax). Some buyers roll it into the financed amount; some pay it out of pocket. Decide before you pick a payment target.
Insurance timing: Florida commercial auto premiums are among the highest in the country, and the down payment on a new policy often lands the same month as the truck's down payment. Working capital paired with the equipment file can cover the collision.
Hurricane season: Lenders require the equipment to be insured, and comprehensive coverage matters more here. Get the insurance quote before you commit to a unit, not after.
IRP and registration: If you're running interstate, apportioned plates and authority costs come due at startup too.

None of this is a reason to wait — it's a reason to build the file right. A request that already accounts for tax, insurance, and registration reads as a stronger, more fundable file to underwriters.

Get Financing Options

Local team, national reach

Based in Miami. Funding equipment in all 50 states.

Why nationwide reach matters to a Miami buyer

The right truck often isn't parked in Florida. South Florida's used-truck market runs hot, and buyers regularly find better-priced tractors and trailers at auctions and dealers in Georgia, Texas, or the Midwest. Our lending partners can fund equipment purchased out of state and delivered to Florida — the file, not the zip code, drives the deal.

And if your business is outside Florida entirely, the same network applies. Miami is home base, not a boundary.

What lenders usually ask for

Driver license and business information
Equipment invoice, spec sheet, or seller details
Bank statements or revenue documentation
Insurance and authority details when applicable
Port credentials or contracts, if relevant to the work

By equipment type

Go deeper on the equipment you're buying.

Each equipment type gets reviewed differently. These pages walk through what lenders look at, file by file.

Semi-truck financing New and used tractors — including the day cabs that run Miami's ports. See how it works → Trailer financing Reefers, dry vans, flatbeds, and chassis — alone or packaged with a tractor. See how it works → Box truck financing Delivery, moving, and courier trucks for South Florida routes. See how it works →

Pre-approval

Send the basics. A Miami-based team reviews it.

Tell us about the equipment and the work it will do. Submitting costs nothing and doesn't obligate you to accept any offer.

Business-purpose equipment financing only
South Florida context understood — drayage, produce, last-mile
Fast review when the file is complete — often 24–48 hours
Final approval and terms are set by lender underwriting

Name Phone

Email Equipment

Amount requested State

Notes

This site is static: submitting opens a prepared email draft to BH Trucking Capital with the details above. Nothing is sent until you send the email.

FAQ

Questions from South Florida truck buyers.

Do I have to be in Miami to work with BH Trucking Capital?

No. The team is based in Miami, but lending partners fund equipment for trucking businesses across all 50 states. Local buyers get the benefit of a team that knows their market; everyone gets the same network.

Can drayage tractors get financed even though they're older?

Often, yes. Port work favors used day cabs that would age out of some OTR programs. Files supported by port credentials and steady container volume are reviewed on the work, not just the model year.

Can I finance a truck I found out of state?

Yes. Out-of-state purchases from dealers or auctions are common for Florida buyers. Expect standard verification on the seller and title, plus transport logistics you should budget for.

¿Hablan español?

Sí. Puede enviar su solicitud en español y el equipo de BH en Miami le responderá en su idioma.

Is Florida sales tax financed or paid up front?

Either, depending on the lender and structure. Some programs roll tax, title, and fees into the financed amount; others expect them out of pocket. It's decided in underwriting — flag your preference in the request.

Is BH Trucking Capital the lender?

BH Trucking Capital connects buyers with a network of lending partners and may act as a broker or lead generator. Final approval, rates, and terms are set by the funding lender.

Commercial, business-purpose financing only — not consumer credit. Financing is subject to credit approval, collateral review, and lender underwriting; terms, rates, and down payment requirements vary by applicant and equipment. Pre-qualification is not a final approval. Tax and insurance notes on this page are general information, not tax or legal advice — confirm specifics with your accountant and insurer. Related pages: semi-truck financing, box truck financing, trailer financing, the payment calculator, and the BH Trucking Capital homepage.