Most commercial lenders don't understand the cargo van and box truck world. Ours do.
Who our financing partners help
First-time owner-operators buying their first cargo van, Sprinter, or box truck
Existing carriers upgrading equipment (cargo van → Sprinter, Sprinter → box truck, adding liftgates)
Fleet builders adding their second, third, or tenth truck
Carriers with limited credit history — new authority, thin file, or past credit hiccups
Equipment our partners finance
Equipment | Typical Price Range | Financing Available |
Used cargo van (Ford Transit, Ram ProMaster) | $15K–$35K | ✅ |
Used Sprinter (Mercedes, etc.) | $25K–$60K | ✅ |
New cargo van/Sprinter | $40K–$75K | ✅ |
Used 16' box truck | $25K–$50K | ✅ |
Used 24'–26' box truck | $40K–$80K | ✅ |
New 24'–26' box truck with liftgate | $70K–$130K | ✅ |
How it works
Pre-qualification (no impact on credit): partner team asks you a few questions to see what you qualify for.
Equipment selection: you find the truck you want (dealer or private seller). Partner can also recommend dealers they work with regularly.
Application: usually 1–3 days for approval. Newer carriers may need extra docs.
Funding: partner pays the dealer/seller directly, you take delivery.
Payments: typically 36–72 month terms with monthly payments.
What our partner programs offer
New-authority friendly — many lenders won't touch a carrier with less than 6 months of MC. Ours often will.
Cargo van and box truck specific — they know what a Sprinter is worth, what a liftgate adds in revenue potential, etc.
No CDL required for cargo vans/Sprinters — many lenders auto-decline non-CDL applicants. Ours don't.
Liftgate, refrigeration, and other upfit financing — sometimes bundled into the truck loan.
Pre-owned and new equipment — both supported.
What helps your application
6+ months of MC authority (newer can still qualify, but rates may be higher)
Bank statements showing consistent deposits from broker payments
Tax returns (1 or 2 years)
Down payment of 10–20% (some programs go lower)
Personal credit score (but credit alone isn't a dealbreaker — operational track record matters too)
What we don't do
Load Work doesn't lend, broker loans, or guarantee approval. We connect you with the right financing partner. The partner does the underwriting and decides the terms. We don't quote rates — those depend on your specific situation.
How to get connected
Tell us in chat:
What truck you're looking at (cargo van, Sprinter, 16'/24'/26' box truck)
Whether you have a specific truck in mind or you're shopping
New or used
Time in business
Whether you've been pre-approved anywhere else
We'll route you to the partner best suited to your situation. They reach out within 1–2 business days.
Disclaimer
Vehicle financing is a credit product. Rates, terms, and approval depend on your credit, time in business, and the equipment. We don't quote specific rates or guarantee approval. Read all loan documents carefully — pay attention to interest rate, term length, prepayment penalties, and any balloon payments.