Do you finance steel and aluminum flatbeds?

Yes. Both steel and aluminum flatbeds, including combo decks, are commonly financed. Each is evaluated on the asset and the business, subject to underwriting.

Can securement gear and tarps be financed?

Sometimes. Straps, chains, tarps, and headache racks can occasionally be bundled when on the same quote, depending on the deal and subject to approval.

Are used flatbed trailers eligible?

Yes. Used flatbeds are valued on deck and crossmember condition, tire and brake status, and resale value, with term length set to the remaining useful life, subject to underwriting.

What term lengths are common for flatbeds?

Terms are matched to the long useful life of these trailers, with newer units supporting longer terms than older used flatbeds. Your specific term is set during underwriting.

Equipment Financing

Flatbed Trailers Financing

Direct answer

RCR International Finance LLC finances new and used flatbed trailers for carriers hauling steel, lumber, machinery, and oversized freight. Open-deck flatbeds load from the sides and top for versatile freight, and these trailers can be funded through an equipment loan or lease secured by the unit. Eligible trailers, term length, and any down payment are subject to underwriting and approval based on the business and the equipment quote.

Start an Application Call +1 248-939-2646

12-15 years

Typical useful life

New & used

What's financed

Loan / lease

Both available

The asset

Secured by

Subject to underwriting and approval.

Reviewed by the RCR International Finance LLC team

Commercial finance specialists · Last reviewed January 2026

Written to reflect how flatbed trailers financing actually works and checked against our editorial & compliance standards.

?Quick answer

Plan ahead

Estimate your payment

Model a monthly payment for flatbed trailers before you apply.

Open the estimator

What flatbed trailers you can finance

A representative sample of eligible assets in this category.

Wabash steel and aluminum flatbeds
Great Dane Freedom flatbeds
Utility flatbeds
Fontaine Infinity flatbeds
Reitnouer aluminum flatbeds
Transcraft Eagle flatbeds
48-foot and 53-foot flatbeds

Financing flatbed trailers: the basics

RCR International Finance LLC arranges flatbed trailers financing for businesses acquiring commercial trailers. Because the asset secures the deal, flatbed trailers is one of the more accessible commercial structures, and it keeps working capital free for payroll, materials, and growth. Subject to underwriting and approval.

New flatbed trailers typically support longer terms and full warranty coverage, which suits carriers with steady open-deck freight. Used flatbeds are widely financed and evaluated on deck and crossmember condition, tire and brake status, and overall wear, with terms tied to remaining useful life. Both are subject to underwriting and approval.

A loan builds ownership in a durable trailer open-deck carriers keep for years. A lease can lower upfront commitment and support fleet rotation. The right structure depends on freight volume, cash flow, and tax planning.

Loan vs lease: which fits this asset?

Both options finance flatbed trailers, the right choice depends on how long you keep the asset and whether ownership or lower payments matters more.

Equipment Loan

Build ownership

You own the equipment outright at the end of the term
Builds equity in the asset as you pay it down
Best for equipment with a long, productive useful life
Payments are typically higher than a comparable lease

Equipment Lease

Lower payments, flexibility

Lower monthly payments to preserve cash flow
Flexibility to upgrade, renew, or return at term end
Best for assets you replace or upgrade often
End-of-term purchase options may be available

Soft costs you can often include

Financing frequently covers more than the sticker price, so the asset is working from day one.

Freight or drive-away delivery of the trailer

Roll freight or drive-away delivery of the trailer into the financed amount where the structure allows.

Straps, chains, binders, and tarps

Roll straps, chains, binders, and tarps into the financed amount where the structure allows.

Coil packages and headache racks

Roll coil packages and headache racks into the financed amount where the structure allows.

Applicable sales and use taxes

Roll applicable sales and use taxes into the financed amount where the structure allows.

Decals, lettering, and DOT compliance items

Roll decals, lettering, and dot compliance items into the financed amount where the structure allows.

How equipment financing works

Select equipment

Identify the flatbed trailers and obtain a vendor quote with specifications.

Apply

Submit the quote with recent bank statements so underwriting can assess the asset and cash flow.

Loan or lease

Choose an ownership-building loan or a lower-payment lease, subject to approval.

Vendor payment

On approval, financing pays the vendor and you take delivery.

Documents to finance flatbed trailers

Signed equipment quote or invoice from the dealer or seller
Three to six months of recent business bank statements
Most recent business tax return
Trailer specifications including year, make, model, length, and deck type
Driver's license or government-issued ID of the owner
Completed credit application

All financing is subject to underwriting and approval. Program availability may vary, and documentation requirements depend on the financing structure.

Industries that finance flatbed trailers

Trucking

Getting paid immediately on delivered freight invoices

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Transportation and Logistics

Converting net-term freight and logistics invoices into cash

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Manufacturing

Buying or upgrading production machinery and automation

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