Truckers · Contractors · Business Owners
Reefer & Refrigerated Trailer Financing
Carrier, Thermo King, single-temp or multi-temp. Reefers earn their keep — we structure the payment so the trailer pays for itself while it runs.
Get approved. Get equipment. Get to work.
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Zero Down Programs available
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Same-Day Approvals
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Working Capital Up to $5M, same day
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All Credit Considered
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New / Used Any make or model
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Startups OK when applicable
- Amount
- $20,000 – $200,000
- Term
- 24 – 72 months
- Down Payment
- As low as 10%
- Credit
- Challenged credit considered
What we finance
- New and used reefers, any make or reefer unit
- Trailer-only or tractor-and-trailer packages
- Seasonal structures for produce season swings
- Refinance an existing reefer to free up cash
Bank said no?
A declined bank application is the most common reason people call us, not a disqualifier. Banks underwrite to a narrow box: two years of returns, a clean score, and a category they already understand. We work with lenders who look at the whole file — your time in business, your cash flow, and the equipment itself as collateral.
Ten-plus years, 100+ industries, all 50 states and Canada. One page to apply, and a real answer in about a day.
Common questions
Can I finance a used reefer trailer?
Yes. Used reefers finance well because the market holds value. Age and reefer unit hours matter more than trailer year alone — a well-maintained older unit with low hours often approves better than a neglected newer one.
Do you finance the reefer unit separately from the trailer?
We can do either. Financing a replacement Carrier or Thermo King unit on a trailer you already own is a common request, and it is usually a smaller, faster approval than a full trailer purchase.
What if my business is seasonal?
Tell us during the application. Seasonal payment structures — lower payments in the slow months, higher when you are running — are standard in this category and we build them regularly for produce haulers.
Get Approved. Get Equipment. Get To Work.
No excuses. No BS. Tell us what you need and we’ll tell you honestly where you stand.