MissionFund.AI

Vocational Trucking

Curtain Side and Stake Body Truck Financing

Straight trucks with enclosed or semi enclosed bodies are the backbone of local delivery. Furniture stores, beverage and food distributors, appliance retailers, nurseries, movers, and rental companies all rely on them to get products to customers on time and in good shape.

Choosing between a box, a curtain side, or a stake body comes down to what you haul and how you load it. Financing lets you pick the right body for the job instead of settling for what cash allows. MissionFund compares offers from 60+ lending sources to help you find a structure that fits your routes.

Apply Now or book a call
Programs that fitEFATRAC LeaseFMV Lease

Curtain Side and Stake Body Trucks We Help You Finance

  • 01

    Curtain Side Trucks

    A curtain side truck has a roof and a front wall like a box truck, but its sides are heavy vinyl curtains that slide open along a track. That gives you weather protection plus side access for a forklift, which makes loading palletized freight much faster at stops without a dock. Building products distributors, beverage companies, and landscape suppliers like them for multi drop routes. When buying, check curtain condition, track and buckle hardware, and roof bows. Replacement curtains add cost to a used unit, so factor that in.

  • 02

    Stake Body Trucks

    A stake body truck has a flat deck with removable wooden or steel side panels that slot into stake pockets. Pull the stakes and it's a flatbed; put them back and it holds loose or bulky items in place. Nurseries, farms, event rental companies, and municipal parks departments use stake bodies for plants, hay, tables, and barricades. Consider deck length, stake height, and whether you want a lift gate. Stake bodies are simple and durable, so used units often make a smart buy.

  • 03

    Box Trucks

    A box truck, sometimes called a cube van or straight truck, carries a fully enclosed cargo box on its own chassis. Movers, appliance and furniture retailers, and parcel delivery contractors use them to keep goods secure and dry. Box lengths vary widely, and weight ratings affect whether your drivers need a commercial license. Look at roll up versus swing doors, interior E track for securing loads, lift gate capacity, and floor condition. New box trucks can carry long build times, so a clean used unit may get you on the road sooner.

Why Finance Delivery Trucks Instead of Paying Cash

Delivery businesses need cash for inventory, fuel, and wages. Financing a truck spreads its cost over the time it's out making deliveries, so your working cash stays available for the day to day.

It also lets you add routes when demand grows rather than waiting until you've saved enough, and it makes replacing an aging truck with a more reliable, fuel efficient one easier. Financed trucks may qualify for Section 179 deductions; check with your tax professional.

What Your Financing Can Include

Depending on the lender, your financing may cover:

  • Lift gates, including tuck under and rail gate styles
  • Interior shelving, E track, and load bars
  • Ramps and hand truck racks for movers
  • Exterior graphics and fleet lettering
  • Backup cameras and telematics
  • Delivery and title fees

Programs That Work Well for Delivery Trucks

  • Program

    Equipment Finance Agreement (EFA)

    You own the truck from day one with fixed payments, a good fit for stake bodies and box trucks you'll run for many seasons.

  • Program

    TRAC Lease

    A truck lease with an end value set at signing, which can keep payments lower and give you a known buyout price.

  • Program

    Fair Market Value (FMV) Lease

    Lower payments with the choice to upgrade, keep leasing, buy at fair market value, or return the truck, helpful for fleets that rotate trucks on a regular cycle.

New Business or Established, We Can Help

Equipment financing is available from day one for startups, so a new moving company or local distributor can finance its first box truck. Established fleets can use the same process to expand or replace units. If you haul perishables, take a look at refrigerated truck financing. For everything else, see our vocational truck financing overview.

What You'll Need

Requests under $150K can often be approved on the application alone. Financial statements can support larger fleet orders. At funding, many deals close with your driver's license and the invoice or bill of sale, plus the VIN.

Frequently Asked Questions

Still have a question?

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

Should I choose a curtain side or a box truck?

If your drivers unload pallets with a forklift at stops without a dock, a curtain side saves real time. If you need full security and you unload by hand or with a lift gate, a box truck usually makes more sense.

Can I add a lift gate to my financing?

Often, yes. Lift gates are one of the most common add ons, and lenders can typically include them whether they're factory installed or added by an upfitter.

Do you finance box trucks for contract delivery routes?

Yes, for businesses that run local or regional delivery routes. We don't serve OTR owner operators hauling long distance freight.

Can I finance a used stake body truck?

Yes. Many lenders finance used stake body trucks. Age, mileage, and condition shape the offer, so recent photos and service records help.

Keep exploring

More in Vocational Trucking

Back to Vocational Truck Financing

Get started

See what your business qualifies for.

Applying is free, takes just a few minutes, and uses a soft credit pull only.

Apply Now Or call (970) 400-9870

Prefer to talk first? Book a call

Scroll to Top