What's considered a commercial loan?

Commercial and industrial loans, as defined by the Federal Financial Institutions Examination Council (FFIEC) in the commercial bank Call Reports (FFIEC 031, 032, 033, 034), include loans for commercial and industrial purposes to sole proprietorships, partnerships, corporations, and other business enterprises, whether secured (other than by real estate) or unsecured, single-payment, or installment. Loans to individuals for commercial, industrial, and professional purposes, but not for investment or personal expenditure purposes, also are included.

How much can I borrow?

We can lend up to $15,000 in our installment loan product.  We can pawn up to $7,500 in a title pawn product.

What are your hours?

We have funding specialist available from 9:00 am EST to 8:00 pm EST Monday through Friday. On Saturdays, our hours are 9:00 EST to 2:00 EST. We are closed on Sundays so our associates can spend time with their families.

What if my truck is in the shop broken down?

Big Rig Lending specializes in repair financing. We can provide financing if your truck is up and running or in the shop. We will send the loan proceeds directly to the repair shop in the event you need the funds to get back on the road.

Does Big Rig require an inspection?

We do not require an inspection but we do require specific pictures of the truck. In some cases, we'll ask for a video from your smart phone of the truck running.

Where are you located?

We are an online company that provides commercial Big Rig lending across the United States. We do have an office located in Historic Downtown Dalton, Georgia - The Carpet Capital of the World.

How long does it take?

Our application process should take roughly 10 minutes.  Once we've received all the proper documentation from the customer, we can fund within 24 hours. The entire process can be completed in as little as 48 hours.

What if I don't have great credit?

Big Rig caters to the truck driver no matter what your credit score is.  We incorporate many factors into our proprietary underwriting decision which includes, but is not limited to, value of the truck, length of residence, ownership history, company history, and current income situation.  Your personal credit score is only a portion of our overall underwriting analysis.

Do you loan on trailers?

We will be rolling out a Trailer Cash program to our existing Big Rig customers in the near future.  Stay tuned for details!!!

Do I have to have clear title to get money?

You do not have to have a clear title to get the money.  If you currently owe money on your Big Rig, we would incorporate the payoff of that loan as part of our approval process.

Does Big Rig finance truck purchases?

We do not currently provide purchase money financing, but stay tuned because our team is working on a purchase money product for drivers like you.

What kind of trucks do you lend on?

We specialize in lending on all kinds of Big Rigs.  Semi's, Dump Trucks, Box trucks, Car haulers, etc. We loan on Mack, Kenworth, Peterbilt, International, Western Star, Freightliner, Volvo, GMC, Ford, Chevy, Sterling, UD, and many more.

Does Big Rig cover all 50 states?

Our commercial lending products are governed by the state of Georgia, but we currently offer our products in 37 states electronically - where we take applications over the phone, and have an electronic closing process. In the following 12 states, we can take your application over the phone, but you are required to close that transaction inside the borders of the state of Georgia. We have 29 partner locations across the state of Georgia to facilitate a smooth closing that is convenient for you. Please refer to our coverage map for the states that we can close electronically.

Does Big Rig Lending offer a referral program?

Word of mouth is our best form of advertising. We would appreciate the opportunity to help other truckers in getting the cash they need to stay on the road. Big Rig will pay you $100 for every owner/operator you refer to us that completes a transaction.

What are the funding methods?

We can send funds electronically with an ACH payment or we can send a check.

What are the payment methods?

  • Monthly ACH withdrawal from your checking account

  • MoneyGram, Cashier’s Check, or Certified Check (we do not take personal checks)

  • Payment over the phone using your debit card

  • Money Order

  • Comchecks

  • Online Payments