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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 and mid-size commercial fleets.

Although we’re based in South Florida, we work with customers and dealers throughout the contiguous United States. Feel free to reach out at info@genesisequipsyou.com.

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.
It depends on the commercial vehicle, but we are typically less likely to finance vehicles that are over 8 years old.
Even if you have had past credit challenges, we’ll try to work with you to find solutions to get the loan you need.
Yes! We’re happy to work with first-time buyers, as long as they have previous experience in the trucking industry.
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.

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.

If everything is in order and all documentation has been provided, loans are typically funded by the next business day.
While we can’t guarantee financing for everyone, our team works hard to find a solution for every customer.
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.
The truck dealer (seller) will take care of filing the title with the state.
You will be listed as the registered owner. Genesis Capital Finance will be listed as the lien holder.
Absolutely! You can pay off your loan early without any penalties, and you can contribute extra each month to reduce the balance faster.
The dealer will provide all the appropriate forms and documentation requirements.

You can either Download credit application and submit it directly to us at info@genesisequipsyou.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. 

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