Semi Trailer Financing
Dry Van, Reefer, Flatbed, Lowboy & Specialty Trailers
Trailers are often financed separately from tractors, and lender appetite varies significantly by trailer type, condition, and borrower profile. EFN routes trailer deals to lenders who are actively buying trailer paper, including refrigerated units, specialty flatbeds, and older dry vans that bank lenders often decline.
Start a funding requestEquipment we cover in this category
- Dry Van Trailers (48' and 53')
- Refrigerated / Reefer Trailers
- Flatbed Trailers
- Lowboy / RGN Trailers
- Step Deck Trailers
- Curtain-Side Trailers
- Specialty / Custom Trailers
Typical deal parameters
- Typical deal size
- $15,000 – $200,000
- Time in business
- Owner-operators with 1+ year; startup programs available for bundled truck+trailer deals
- Credit
- 580+ FICO considered with adequate down payment; 650+ opens full program access
Reefer trailers and specialty units often require a lender that understands resale value for those asset classes. Our network includes those specialists.
How EFN works
- Tell us about the equipment, your business, and the amount you need. It takes about five minutes.
- A person reviews your profile against lender appetite criteria — your file is not blasted to a list.
- When there is a genuine fit, we introduce you to that funding source and tell you the moment it happens.
Equipment Funding Network is a match and routing service, not a lender. EFN does not make credit decisions and does not set your financing terms — the funding source does. There is no cost to you to use EFN.