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Vocational Trucking

Flatbed and Hotshot Truck Financing

Flatbeds move the loads that won't fit in a box: lumber, trusses, steel, pipe, pallets of block, and equipment for the next job. Lumber yards, building supply houses, fencing and irrigation contractors, and oilfield service companies depend on them for daily deliveries across town and throughout the region.

Because a flatbed is so versatile, it's often the first delivery truck a supply business adds and the one that sees the most miles. Financing lets you keep your inventory budget intact while you put the truck to work. MissionFund compares offers from 60+ lending sources so you can choose a payment structure that fits your delivery schedule.

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Programs that fitEFATRAC Lease$1 Buyout Lease

Flatbed and Hotshot Trucks We Help You Finance

  • 01

    Flatbed Trucks

    A straight flatbed truck carries its deck on the same frame as the cab, which makes it easy to back into job sites and load with a forklift from either side. Building supply companies, landscape nurseries, and sign installers use them for mixed loads. When you shop, consider deck length, whether you need stake pockets or rub rails, and how many tie down points the bed offers. Steel decks take abuse well, while aluminum saves weight and adds payload. Used flatbeds are easy to find, so look closely at deck boards and crossmembers.

  • 02

    Lumber Flatbeds

    Lumber flatbeds are built for the specific demands of lumber and truss delivery. Many carry a truck mounted forklift, often called a piggyback unit, so your driver can unload without a forklift on site. Others use a rolling tilt bed that slides bundles right onto the ground. Lumber yards and truss plants use these trucks to drop materials exactly where the framing crew wants them. Weigh the cost of the mounted forklift, bed tilt mechanism, and hydraulic maintenance when comparing units.

  • 03

    Hotshot Trucks

    A hotshot truck is typically a heavy duty pickup or light cab and chassis that pulls a gooseneck or bumper pull trailer for fast, time sensitive deliveries. Local equipment rental companies, oilfield service firms, and parts suppliers use hotshot rigs to get a machine or a critical part to a customer the same day. Compare towing capacity, rear axle ratio, and whether you'll need a dually for stability. Our programs fit businesses running hotshot units to support their own local or regional operations, not OTR owner operators.

  • 04

    Hotshot Trailers

    The trailer matters as much as the truck. Gooseneck flatbed trailers carry more weight with better stability, while dovetail trailers with ramps make it easy to drive equipment on and off. Look at deck length, axle ratings, brake type, and whether you need a hydraulic dovetail. Trailers can often be financed alongside the truck or on their own, new or used, depending on the lender.

Why Finance Flatbed Trucks Instead of Paying Cash

Supply businesses live on inventory and receivables. Paying cash for a truck ties up money you'd rather use to stock lumber, cover payroll, or extend terms to good contractor customers. Financing turns a large upfront cost into manageable payments that line up with the deliveries the truck makes.

It also keeps your bank lines free for seasonal inventory swings and lets you upgrade to a newer truck with better fuel economy or a mounted forklift sooner. Trucks and trailers may qualify for Section 179 deductions; check with your tax professional.

What Your Financing Can Include

Depending on the lender, a flatbed or hotshot deal may include:

  • Truck mounted forklifts and mounting kits
  • Headache racks, toolboxes, and stake sides
  • Gooseneck hitches and trailer brake controllers
  • The trailer itself, bundled with the truck
  • Lighting, straps, and securement packages
  • Delivery and registration costs

Programs That Work Well for Flatbed Trucks

  • Program

    Equipment Finance Agreement (EFA)

    You own the truck from day one with fixed payments, ideal for a flatbed you'll use for the long haul of your business.

  • Program

    TRAC Lease

    A truck lease where you agree on the end value at the start, which can lower your payments and give you a set buyout price at the end.

  • Program

    $1 Buyout Lease

    Lease payments, then own it for one dollar at the end, a clean choice for trailers and mounted forklifts.

New Business or Established, We Can Help

Equipment financing is available from day one for startups, so a new fencing company or equipment rental shop can finance its first flatbed or hotshot rig. Growing supply houses can use the same process to add routes. If your loads are palletized and need weather protection instead, see our curtain side and stake body truck financing. Explore all vocational truck financing.

What You'll Need

Requests under $150K can often be approved on the application alone. Financial statements can help with larger deals. Many deals finalize with your driver's license and the invoice or bill of sale, along with the VIN for each truck and trailer.

Frequently Asked Questions

Still have a question?

Talk to a real person. We're happy to walk you through your options.

Can I finance a hotshot truck and trailer together?

Often, yes. Many lenders will combine the truck and gooseneck or dovetail trailer into one deal, depending on the seller and the equipment. Send both quotes with your application.

Do you finance hotshot trucks for owner operators hauling freight?

Our programs serve businesses that use hotshot rigs to support their own local or regional work, such as rental companies and oilfield service firms. We don't serve OTR owner operators hauling freight for hire across the country.

Can a truck mounted forklift be included in the financing?

Yes, depending on the lender. Mounted forklifts and their mounting kits are common additions to lumber flatbed deals.

Can I finance a used flatbed?

Yes. Used flatbeds are widely financed. Lenders will look at age, mileage, and condition, so photos and maintenance records help.

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