FAQs
FREQUENTLY ASKED QUESTIONS
What types of loans does Genesis Capital Finance offer?
We specialize in commercial truck and semi-trailer loans for owner-operators and small fleets.
What areas do you serve?
Although we’re based in Miami, we work with customers and dealers throughout the contiguous United States. Feel free to reach out at info@genesiscapitalfinance.com.
What vehicles do you finance?
We finance commercial over-the-road equipment, primarily heavy-duty and medium-size trucks, and semi-trailers, although certain restrictions may apply based on the vehicle.
Is there an age limit on used trucks that you’ll finance?
Do I need a specific credit score or good credit history to qualify?
No, you don’t! We specialize in helping people who don’t have a perfect credit history and may have been declined by traditional banks. Even if you have had past credit challenges, we’ll work with you to find creative solutions to get the loan you need.
Do you finance first-time buyers?
What are your interest rates?
Interest rates vary based on the market and your situation, so we can’t provide a fixed rate here. However, we’re known for offering competitive rates and flexible financing options.
What do you require for collateral?
In most cases the key to getting around a poor credit history is using additional collateral. We use free and clear title on trucks including the truck you are buying or trucks and trailers you already own, as long as you have free and clear titles. We can even use additional collateral owned by a cosigner.
How long does it take to get approved for a loan?
Our process is fast and efficient. We can provide pre-approval within hours—all we need is your driver’s license, a completed credit application, the bill of sale, and the truck/semi-trailer’s specifications.
Once I’m pre-approved, how quickly can the loan be funded?
If everything is in order and all documentation has been provided, loans are typically funded by the next business day.
Do you guarantee financing?
While we can’t guarantee financing for everyone, our team works hard to find a solution for every customer.
Do you charge any fees for arranging my loan?
Who handles titling my equipment?
In whose name will the truck be registered?
Can I pay off the loan early?
Absolutely! You can pay off your loan early without any penalties, and you can contribute extra each month to reduce the balance faster.
What documents do you require to fund a loan?
How do I apply for a loan?
You can either Download credit application and submit it directly to us at info@genesiscapitalfinance.com or you can contact your dealership for an application. If your dealer isn’t authorized yet, they can contact us to learn how to become an approved dealership.
Other questions? Contact Genesis Capital Finance at info@genesiscapitalfinance.com
Contact Us
Genesis Capital Finance is ready to help you get the truck loan you need. We will get back to you promptly. You can contact us at:
PO Box 347195
Coral Gables, FL 33234
Customer Service/Payments:
+1 (866) 893-1576
If you are a Dealer:
(786) 207-4758