Trailer financing
Dry vans, reefers, flatbeds, step decks, car haulers, and specialty trailers — financed as a single unit or a small package. BH Trucking Capital connects carriers and owner-operators with lending partners that understand trailers are income, not overhead.
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.
Trailer types
A three-year-old dry van and a specialty lowboy are very different files. Knowing how lenders see each type helps you set expectations on term and down payment.
The most liquid trailer collateral there is. Reefers add unit-hours and service records to the review — a documented reefer unit can make or break the deal's value.
Strong resale and steady demand keep these financeable even at higher ages. Aluminum vs. steel, axle configuration, and condition drive the valuation.
Car haulers, lowboys, dumps, tankers, and chassis. Narrower resale markets mean lenders lean harder on your revenue and experience with the trailer type.
Why finance a trailer
Trailers are revenue multipliers: adding a second trailer can let one tractor drop-and-hook instead of waiting at docks, and a reefer can open lanes a dry van can't touch. That's why many carriers finance trailers even when they could pay cash — the cash stays available for fuel, maintenance, and slow weeks, while the trailer pays for itself out of the loads it makes possible.
Trailer-only files are usually smaller tickets than tractors ($15,000–$70,000 is common), which can mean lighter documentation and faster review. If you're buying a tractor and trailer together, say so in the request — packaging both into one review is often cleaner than two separate files. See semi-truck financing for how the tractor side is reviewed.
What happens next
You send the basics below. BH reviews the trailer, seller, and your business details before anything goes to lenders.
Your request is matched with partners that fit the trailer type and your profile — compare down payment, term, and estimated payment.
The lender collects final paperwork: title or MSO, insurance, and funding conditions.
The lender pays the dealer or seller. Complete files often see a decision in 24–48 hours.
Complete the combination
If the trailer is part of a larger move — a new tractor, a new lane, a new contract — reviewing it as one picture usually gets better structures.
Pre-approval
Send the basics and the BH team reviews your trailer request. Submitting costs nothing and doesn't obligate you to accept any offer.
FAQ
Yes. Trailer-only files are common — carriers adding drop-and-hook capacity, or owner-operators moving off rented trailers. The trailer, your revenue, and your credit carry the file.
Dry vans and flatbeds are often financeable at ages that would sink a tractor file — some partners review units 10+ years old if condition and price make sense. Reefers are more sensitive because of the refrigeration unit.
Small packages are reviewed regularly, especially for carriers with contracts that justify the added capacity. Expect the lender to look harder at revenue and utilization plans.
Yes. The refrigeration unit is a large share of a reefer's value, and unit-hours are its odometer. Service records for the unit can noticeably improve how the collateral is valued.
It depends on amount, term, down payment, and the rate your file qualifies for — we don't quote rates on this site because they vary by applicant and equipment. The calculator lets you frame scenarios yourself.
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.