Get Financed.
Or Get Partnered.
Whether you're putting a truck or machine to work, or you sell equipment yourself, there's a fast path built for you.
Get Financed
Get pre-qualified in 60 seconds with a soft credit pull that won't hurt your score, then get funded in as little as 24–48 hours.
- Rates starting at 4.99%
- No age or mileage caps on most programs
- Startups welcome, up to $350,000 app-only
Become a Partner
Close more sales with in-house financing, backed by a dedicated HIL team and access to up to 75 lending partners.
- One dedicated funding contact
- Single soft pull reaches 75 lenders
- Fast, in-house credit decisions
We Earn Our Stars
on Every Deal
Our A+ BBB rating and 5-star Google reviews aren't marketing — they're built on 25+ years of doing right by customers in the trucking and construction industries.
Same-Day Decisions
Know if you're approved within hours of submitting. No waiting weeks. No chasing down your rep.
We Don't Shop You
An approval through HIL is an approval for your business only. We never send your customers to competitors.
All Credit Considered
A+ to C-credit — we work with the full spectrum, including collateral-based lending for tougher credit profiles.
100% Pre-Funding
Get fully funded before you take delivery. Order equipment and deliver with confidence.
We Finance It All
No age restrictions. No mileage restrictions on most programs. New or used — if your business needs it, we can fund it.
Pick Your Program
Tiered financing structured for every business stage — from well-established fleets to ambitious startups just hitting the road. Available whether you buy direct or through one of our dealer partners.
700+ CBR
660+ CBR
570+ CBR
Under 550 CBR
680+ CBR
640+ CBR
620+ CBR
Under 550 CBR
660+ CBR
620+ CBR
550+ CBR
Become a Dealer Partner
Give your customers financing that closes the sale — not a form that sends them to a competitor. Partner dealers work with a dedicated HIL team and the same 75-lender network our direct customers use.
Dedicated Team
A dedicated H.I.L. Financial team assigned to your dealership — one point of contact who knows your deals.
Same-Day Decisions
Your customers get a credit decision within hours, so financing doesn't stall a sale you've already won.
75 Banks, One Soft Pull
One application reaches up to 75 lending partners, using a single soft pull that won't hurt your customer's credit.
We Don't Shop You
Approvals stay with your dealership. We never send your customers to a competitor.
Get in Touch
Call or email our team to tell us about your dealership and what you sell.
Set Up Your Program
We assign your dedicated funding contact and walk through the tiers that fit your customers.
Start Financing Deals
Submit customer applications directly and get same-day decisions on the lot.
Approved in Hours,
Funded in Days
Get Pre-Qualified
Complete our quick pre-qualification in about 60 seconds. We perform a gentle pull to protect your credit score.
Submit Docs
Provide 3 months of bank statements plus a link or quote for the equipment you want. That's it.
Get Approved
Receive your decision within hours — same day in most cases. We let you know immediately if we have a workable deal.
Get Funded
Non-titled equipment funded in as little as 24–48 hours. eDocs make it fast and accessible from anywhere.
Ready to Get Started?
Get pre-qualified in 60 seconds as a buyer, or partner with us as a dealer. Either way, our team is in touch the same day.