Commercial Truck Financing

Our financing programs are fast, flexible, and customized to your goals - so you can service more customers, make more money, and maintain a healthy, growing business.

Financing Built for Operators

Whether you’re adding a truck or replacing aging equipment, we finance new and used commercial vehicles and equipment for operators across the Tri-State area.

Equipment We Finance:

Programs

Whether you’re replacing an old vehicle or expanding your fleet, our financing programs are designed to keep your business running smoothly.

Equipment Finance

As a direct lender, our EFA (Equipment Finance Agreement) helps finance both new and used trucks and equipment. We offer flexible financing options tailored to fit your budget and business goals.

Lease to Own

Our lease-to-own program is perfect for businesses acquiring new and heavy-duty equipment. This program features a residual option, making it easier to match your monthly payments to your business’s cash flow, with flexible ownership terms.

Start-Up Financing

Our Start-Up Financing program helps new businesses in New Jersey acquire the trucks needed to get started. Ideal for individuals with a strong down payment and industry experience, this program sets the foundation for your business growth.

What Our Customers Say

Tony L.

Owner Tam Enterprises

Evin Bogda

COO Service Professionals

New York Truck Parts

Truck Financing

Ben

True Tree

We have financed 10+ new & used vehicles with Intek over the last 7 years. Intek understands the tow truck market, provides outstanding service, and they know how quickly we must close a deal. We have had several transactions funded in 24 hrs or less!! Their entire staff are excellent to do business with.

Gallaghers Garage Inc

Paul and the team at Intek were great to work with. It was my first lease and they could not have made the process smoother. I value communication and Paul and his team kept me informed throughout the entire process. I will be using Intek going forward.

Gil R

We have doing business with Intek for years their response is excellent, and their knowledge is outstanding. Everyone is very helpful the owners make themselves available to the clients. Their sales staff and office personnel are the best in the industry. Kim, Martiza, Ema, and John always keep us on track. They have financed many, many vehicles for us and have zero hesitation. We would highly recommend and have referred other industry friends, we are very satisfied with Intek.

Annette

Intek has been an invaluable partner since the beginning of our operation as a startup in the animal feed manufacturing space. From trucks to bulk handling equipment and specialized instrumentation, Intek has been a reliable financier for things not many other groups like to finance, especially to young companies.

David J.

Paul, Adam and the entire Intek team have been a valuable resource to our industry in the 15 years I have known them. They have always been responsive, professional and a true partner for your business!

Ray B

This was my first commercial lending experience on my own and the whole Intek team and especially Adam really made me feel like a part of their family. Excellent responsiveness and their knowledge is unsurpassed. I can’t wait to grow my business fast enough to have to use Intek for another lease. Great company and highly

Greg T

I have nothing but great things to say about the entire staff at Intek. I buy lots of equipment and I couldn’t have grown my business without the help from Intek. They actually treat me like family.

Scott

River Mill Data Management has been in business since 2001. We’ve used the other trucks on the market. Intek trucks shred faster so you can service more customers with your shredding service. They also have some great financing options. You won’t go wrong getting your shredding truck through Intek- a great asset at an affordable expense! If you are just starting a shredding business, then talk to Intek Truck-Equipment leasing to make sure you start out on a good foot! You can’t go wrong with an Intek Truck!

Drew

I would highly recommend Intek Leasing to anyone looking for equipment leasing. I was dealing with John who was very helpful in helping me get the right loan for the equipment. Intek Leasing took a chance with us when everyone else said no and now we have multiple trucks , business is growing we would not be able to get here with out INTEK!!!

Abbas A

This is one fantastic family run business. Intek and Paul are committed to making financial solutions a reality, and I could not be any more please with their service. I have been a very satisfied customer for over 8 years now.

John A

40+ Positive Reviews

Get Started Today

Submit the form, and a financing advisor will reach out within one business day. Most applications are approved in 24 hours or less.

Frequently Asked Questions

FAQs

What types of trucks and equipment can I finance?

Intek finances commercial and specialty trucks across the Northeast, with nationwide financing for heavy-duty tow trucks.

We specialize in:

Tow Trucks: Heavy-duty wreckers, rotators, rollbacks and DTUs
Dump Trucks: Tri-axle, tandem, and mason dumps
Car Carriers: High mount, stinger, and four-car transporters
Waste Trucks: Roll-off, hook-lift, septic, pumper, and vac trucks
Tree Service Equipment: Cranes, bucket trucks, chippers, and spider lifts
Delivery Trucks: Box trucks and cargo vans

Don’t see your equipment? Reach out—if it keeps your business running, we can likely finance it.

Do you finance used trucks? How old can they be?

Yes—over 60% of the trucks we finance are used, whether from a dealer or a private seller on Facebook Marketplace. We typically finance trucks up to 10 years old. For older equipment, we can work with you if you provide a stronger down payment or have an existing relationship.

What does borrowing cost and what are the terms?

Our borrowing costs are comparable to SBA loans, but we approve in 24-48 hours instead of weeks or months. We offer terms from 18-72 months for most equipment and customize payments around your cash flow and goals.

Down payments depend on your business history and the truck’s age. Established businesses typically put 10-20% down, while startups need 20-30%.

What areas does Intek serve?

Intek provides commercial truck financing in New Jersey, New York, Pennsylvania, Connecticut, Massachusetts, Ohio, and North Carolina. For heavy-duty wreckers and rotators, we work with customers nationwide.

Our startup program serves businesses in New Jersey.

Outside these areas? Contact us—we evaluate each situation individually.

How do I apply and how long does approval take?

Contact us by phone or complete our pre-approval form. We’ll need a 1-page application, 3 months of bank statements, your most recent tax return, and truck details.

Most applications are approved within 24-48 hours, and you can be funded within days. Don’t have a truck picked out? We can pre-approve you so you’re ready when you find the right one.