Whether you run a logistics company, a freight brokerage, or a small trucking fleet, commercial trailers and containers are essential to your operations. But with costs ranging from $5,000 to over $80,000 per unit, buying them outright can put serious pressure on your budget. That’s why many businesses explore funding options for commercial trailers and freight containers to manage costs and grow efficiently.
This guide walks you through everything you need to know about financing, leasing, and purchasing commercial trailers and containers—so you can move your freight without financial friction.
Commercial trailer loans
Equipment leasing
Lease-to-own financing
Used trailer financing programs
Most lenders will fund both new and used trailer equipment, including:
Dry vans
Reefer trailers (refrigerated)
Flatbeds and step decks
Drop-deck or lowboy trailers
Tanker trailers
Utility and dump trailers
Chassis and container trailers
Intermodal freight containers (20ft, 40ft, high cube)
✅ You can often bundle registration, delivery, and inspection costs into your loan or lease agreement.
Fixed rates and terms (24–84 months)
Own the trailer/container outright after loan
Great for assets with long service life
Lower monthly payments
End-of-term options to return, extend, or purchase
Ideal for short-term projects or growing fleets
Combines flexibility of leasing with ownership at lease-end
Lower upfront cost
Often requires 6–10% down
Low-interest, long-term financing
Used for trailers, real estate, and working capital
Best for businesses with good credit and strong financials
Ideal for refurbished or certified pre-owned units
Lower price = faster ROI
May come with shorter terms and higher rates
Tip: For containers, some lenders allow bulk purchasing lines of credit if you're acquiring 5+ units.
| Equipment Type | Estimated Cost | Term | Monthly Payment (Est.) |
|---|---|---|---|
| 53’ Dry Van Trailer | $45,000 | 60 months | ~$850/month |
| Reefer Trailer | $70,000 | 72 months | ~$1,300/month |
| 40’ Freight Container (New) | $6,000 | 36 months | ~$185/month |
| Used Flatbed Trailer | $28,000 | 48 months | ~$675/month |
To finance a trailer or freight container, you’ll typically need:
Valid business entity or EIN
Commercial driver’s license (if applicable)
Vendor quote or invoice
Recent bank statements
Credit score
(500+ may qualify)
Proof of insurance
Related: What to Consider Before Signing an Equipment Lease Agreement
Build equity and own the asset
Use equipment long-term with no mileage caps
May qualify for depreciation tax benefits
Higher monthly payments
Requires down payment
Lower monthly costs
Easy upgrades and replacements
No depreciation risk
No equity unless lease-to-own
End-of-term return conditions
You can work with:
Commercial lenders like CAG Truck Capital and Balboa Capital
Dealership financing directly from trailer sellers
Banks and credit unions with business lending programs
SBA-approved lenders for long-term loans
Online platforms like Lendio and National Funding for pre-qualification and comparison
Related: Evaluating Equipment Leasing Providers: What to Look For
Loan for long-term ownership and asset control
Lease for lower costs and flexibility
Lease-to-own for a balanced path to ownership
You don’t have to sacrifice growth or stretch your working capital thin. With smart financing, you can secure the trailers and containers your business needs to move freight reliably and affordably.
Need trailers or freight containers for your logistics operation?
Apply now for flexible financing or leasing options—with fast approvals, tailored terms, and expert support to keep your freight moving forward.