Tool

Semi Truck Loan Calculator

Estimate semi truck or trailer financing with down payment, fees, balloon, mileage revenue, operating costs, cash flow, DSCR, and funding gaps.

Truck purchase price Trailer / auxiliary equipment Taxes, tags, compliance, and setup Working capital reserve Borrower cash / down payment Loan amount Annual interest rate % Term months Balloon / residual payment Origination / lender fee % Fixed lender fees Monthly total miles Loaded mile % Revenue per loaded mile Fuel and maintenance % of revenue Driver pay / owner draw % of revenue Insurance, permits, parking, dispatch Target DSCR

Model the truck payment against operating cash flow

Semi truck financing depends on equipment price, down payment, rate, term, residual, miles, loaded percentage, revenue per mile, fuel, maintenance, insurance, permits, and driver pay. Compare this estimate with the equipment financing calculator, business loan calculator, business loan APR calculator, and DSCR calculator.

This calculator is an estimate for planning and comparison only. It does not replace lender underwriting, carrier contract review, insurance quotes, repair history review, tax advice, legal advice, or trucking business due diligence.