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?
It depends on the commercial vehicle, but we are typically less likely to finance vehicles that are over 8 years old. 
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?
Yes! We’re happy to work with first-time buyers, as long as they have previous experience in the trucking industry. 
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?
Yes, we charge a fee based on the finance amount. At pre-approval all fees will be clearly stated in writing. You’ll be able to see the amounts and what they are for. We believe in complete transparency, so you won’t get hit with hidden fees or last-minute charges.
Who handles titling my equipment?
The truck dealer (seller) will take care of filing the title with the state.
In whose name will the truck be registered?
You will be listed as the registered owner. Genesis Capital Finance will be listed as the lien holder.
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?
The dealer will provide all the appropriate forms and documentation requirements.
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

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  • AUTHORIZED DEALERS

    ARROW TRUCK SALES
    CORPUS CHRISTI FREIGHTLINER
    DOGGETT
    EXCEL TRUCK GROUP
    EXODUS TRUCK MART LLC
    FLORIDA UTILITY TRAILERS INC
    FREIGHTLINER OF ARIZONA
    FREIGHTLINER OF GRAN RAPIDS
    LOU BACHRODT  FREIGHTLINER
    MHC KENWORTH
    NACARATO TRUCK CENTER
    NEXTRAN TRUCK CENTERS
    PALMER TRUCKS
    PREMIER FINANCING
    PREMIER TRUCK GROUP
    RUSH TRUCK  CENTERS
    SELECTRUCKS
    SOUTHPORT TRUCK GROUP
    SUMMIT TRUCK GROUP
    TAMPA TRUCK CENTER
    THE HOUSE OF TRUCKS
    TLG- THE LARSON GROUP
    TOM NEHL TRUCK COMPANY
    TRI-STATE TRUCK CENTER
    TRUCK COUNTRY
    VANGUARD TRUCK CENTERS
    WISCONSIN KENWORTH – CSM TRUCK
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