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Commercial Vehicle Finance Solutions | Trusted Business Auto Loans & Leasing Options

For small business owners in the commercial trucking industry, securing the right vehicle financing solution can make the difference between surviving and thriving.

Whether you’re purchasing your first truck or expanding your fleet, commercial vehicle finance options provide critical flexibility. But with so many options on the market, how can you know which one fits your business needs?

By understanding your options and choosing a strategy aligned with your goals, you can confidently navigate the world of commercial vehicle financing. In this guide, we break down the most trusted solutions for business auto loans, leasing, and specialty commercial vehicle financing.

Business Vehicle Financing

Small trucking businesses often need tailored financing to match seasonal demand, growth stages, or unique vehicle needs.

Commercial vehicle finance plays a crucial role in helping small trucking businesses grow, adapt, and compete. And with many lenders offering a streamlined online application process, it’s easier than ever to get the commercial vehicle finance you need.

Business vehicle financing offers structured solutions with favorable terms to help you acquire the equipment you need without compromising cash flow. However, to make the right choice, you must select the financing option that fits your business.

Let’s have a closer look at what that means.

Financing Options to Fit Your Business

Choosing financing that fits your business means aligning the loan structure with your cash flow, operational requirements, and asset usage.

For example, short-haul delivery services may benefit from leasing newer, fuel-efficient vehicles every few years, while long-haul operators may choose ownership through fixed-term loans.

Commercial vehicle finance terms typically range from 24 to 72 months and may have fixed or variable interest rates. By choosing a financing option designed for your business model and budget, you maintain flexibility while building equity or rotating equipment as needed.

Take note that any down payments required can vary depending on credit history, collateral, and the vehicle’s condition. If you don’t have the best credit history, don’t fret. You can still apply for financing through Mission Financial Services.

Commercial Line of Credit

As your business becomes more successful, with trucks constantly on the road, you’ll find that you need to repair or even replace vehicles more often.

Indeed, your business may do so well that you need to add to your fleet of light-duty trucks and delivery vans regularly. And if you’re supplying shipping logistics to e-commerce companies, you will have a consistent demand for your services.

For businesses that regularly purchase or upgrade vehicles, a commercial line of credit offers unmatched flexibility.

This revolving credit line lets you draw funds as needed and repay them over time, perfect for operators managing seasonal spikes or rapidly expanding fleets.

Financing in the Business Name

If you’re an owner-operator or have a small business, you may be considering applying for financing in your name. In our experience, it is usually best to finance your commercial vehicles in your business’s name and make payments from your commercial accounts.

Here’s why. Establishing credit in your business’s name helps separate personal and professional obligations. And commercial lenders often prefer working with established business credit profiles. Financing under the company name also strengthens your business’s financial standing over time.

Third-Party Guarantee

What if your business doesn’t have much of a credit history?

That makes loan or credit approval a little trickier. Don’t worry. That doesn’t mean that you can’t apply for financing, but if your business lacks a robust credit history, some lenders may require a third-party guarantee.

This is usually a co-signer or affiliated entity that promises to repay the debt if the business defaults. While this can help new businesses secure financing, it adds a layer of responsibility to whoever signs on as the guarantor.

Specialty Vehicle Financing

Not all vehicles are created equal. Fortunately, there are financing options for these specialty vehicles, too. Specialty vehicle financing targets trucks and equipment built for niche applications such as refrigerated transport, hazardous materials, tow trucks, or mobile service vehicles.

Lenders who understand the unique demands of these vehicle types may provide better loan terms, flexible repayment schedules, and allowances for upfitting. If your business relies on specialized equipment, consider using commercial vehicle financing explicitly designed for that purpose.

Municipal Lease-Purchase Plan

Government contractors, school transportation providers, and waste management services may qualify for municipal lease-purchase plans. These programs are structured to comply with state and local government financing regulations while allowing businesses to acquire essential vehicles.

With a municipal lease-purchase plan, your business leases the vehicle with the intent to purchase it at the end of the term. This option offers budget-friendly payments and can include tax advantages, depending on the state/jurisdiction.

Heavy-Duty Truck Finance

Let’s face it: heavy-duty trucks don’t usually come cheap. They come with high price tags, and financing them requires a strategic approach. Therefore, commercial vehicle finance solutions specific to these trucks often include longer terms, balloon payments, or graduated payments.

Lenders consider various factors when financing a Class 8 vehicle or similarly heavy equipment. They evaluate the truck’s value, review your operating history, and assess the revenue the vehicle is expected to generate.

The resale potential may also affect loan approval and rates.

Compare the following options:

Fixed-term loan for fleet purchases: Such a loan is paid back over a set period (term) with regular and equal payments. You can use a fixed-term loan to buy a new or used commercial vehicle.
Equipment leasing with maintenance add-ons: This is like “renting” a commercial vehicle. You’ll make monthly payments in exchange for the use of the vehicle. An optional maintenance package will cover maintenance and sometimes repairs of the leased vehicle.
Sale-and-leaseback for cash flow improvements: This is an arrangement in which the commercial vehicle you sell can be leased back from the purchaser.

What Type of Commercial Vehicle Loan Is Right for You?

Choosing the right commercial vehicle finance option depends on your financial goals, budget, operational demands, and credit profile.

Here are common types of commercial vehicle finance options:

Traditional Loans: Ideal for commercial customers seeking long-term ownership. Allows you to build equity in the asset, and requires consistent payments.
Equipment Leases: Offers flexibility with lower upfront costs. You can upgrade vehicles more often.
TRAC Leases (Terminal Rental Adjustment Clause): This vehicle and trailer lease allows adjustments to payment terms, lengths, and residuals while it is active. It’s great for fleets that want an option to purchase at lease-end.
Operating Leases: These allow for the vehicle’s use but do not convey ownership rights. They keep the asset off your balance sheet. Operating leases are often used by companies with rapid turnover.
Seasonal Payment Structures: When you’re in a niche business or use specialty vehicles, you need financing to match. These seasonal payment structures match payments to revenue cycles in trucking businesses with major seasonal shifts, such as agriculture or even construction.

Each loan type comes with pros and cons. A careful review of your financial strategy and fleet goals will help you make the best commercial financing decision.

Is a Commercial Auto Loan or Lease Better?

A well-structured financing plan empowers your business. However, it can be difficult choosing between commercial loans and leases. They can both have advantages, depending on your unique business goals.

Here’s how they compare:

Feature	Commercial Auto Loan	Commercial Vehicle Lease
Ownership	You own the vehicle	The lessor owns the vehicle
Upfront Costs	Higher down payment	Lower down payment
Monthly Payments	Typically higher payments	Lower payments may include a maintenance plan
Flexibility	Fixed asset	Easy to upgrade or return
Tax Benefits	Depreciation & interest deductions	Lease payments may be tax-deductible
End of Term	You keep the vehicle	You return the vehicle, renew the lease, or buy the vehicle

Is your goal a long-term investment and asset control? A commercial auto loan may suit you best. Do you want flexibility and simpler cost management? Leasing a commercial vehicle could be a better option.

Conclusion

From business loans and commercial lines of credit to specialty financing and municipal plans, you have various options to choose from. But how do you know you’ve found the right one? It supports your operational needs without straining your cash flow.

Perhaps you’re looking to buy your first truck. Maybe you need help paying for repairs to your existing trucks. You may even be trying to build a business credit history. With our extensive experience in the commercial trucking industry, Mission Financial Services is here to help.

We provide financing specifically tailored to commercial vehicles, with funds to buy new and used vehicles or even do semi-truck repairs. Contact us for more information.

How Many Gallons Does a Semi Truck Hold? All You Need to Know About Fuel

Fuel is one of the biggest operating expenses in the trucking industry. This is true whether you’re a fleet owner, an independent owner-operator, or just entering the world of commercial trucking. Understanding how fuel works in semi-trucks is crucial for planning trips, managing costs, and maintaining your rig.

A common question among drivers and trucking business owners is: How many gallons does a semi truck hold? The answer, however, is not always straightforward. It depends on the tank size, configuration, and the method used to fill the truck.

This guide breaks down the fuel system of semi-trucks, tank capacities, rules for safe filling, and how far you can expect to go on a full tank.

Average Fuel Tank Size for Semi-Trucks

When it comes to answering: how many gallons does a semi truck hold, it helps to understand standard tank sizes.

So, the first question we need to address is this: How big are semi-truck gas tanks? Semi-trucks pull heavy trailers, often over very long distances, and therefore need to hold a lot of diesel fuel. This is why most semis have two fuel tanks.

The typical semi truck fuel tank capacity typically falls within these ranges:

Single tank setup: 100 to 150 gallons of fuel
Dual tank setup: 200 to 300 total gallons of fuel

Dual tanks allow for extended range between fuel stops on long-haul operations. For instance, many over-the-road (OTR) trucks carry two 125-gallon tanks, totaling 250 gallons. That said, not every gallon in the tank will be used, as we’ll explain below.

The 95% and 25% Rules, and the Gas a Semi-Truck Can Hold

When someone asks, “How much gas does a semi truck hold?” the answer depends on whether you’re talking about total tank volume or usable fuel. To ensure safety and prevent fuel system damage, most truck drivers follow what’s known as the 95% rule and the 25% rule. This practical fuel limit is key when planning routes and calculating fuel expenses.

Fuel expands in hot temperatures, increasing the risk of spills. The 95% rule requires filling tanks only up to 95% of their total capacity to allow for fuel expansion and avoid spills. Truckers agree that this delivers roughly the same miles per gallon (MPG) as a full tank.

The 25% rule helps prevent running the tank too low. Refueling when it reaches around 25% of capacity lowers the risk of drawing air into the fuel lines or harming the truck’s engine.

For example: If a truck has dual 125-gallon tanks (250 gallons total), filling to 95% would mean around 237.5 gallons of fuel. Running the tanks down to 25% of 250 gallons leaves about 62,5 gallons. In this scenario, the drivers refuel after consuming about 175.25 gallons.

Reasons for the 95% Rule in a Semi-Truck

The 95% rule isn’t just a suggestion. It’s a safeguard built on years of trucking experience and engineering expertise. Overfilling a semi-truck tank can lead to some serious problems. So, let’s break down the main reasons why truckers follow this standard.

Expansion

Diesel fuel expands and contracts with temperature changes. On hot days, the fuel inside the tank can expand significantly. Overfilling can lead to overflow, which poses environmental hazards and safety issues.

Spills

No matter how many gallons your truck holds, it’s best to avoid overfilling the tank. An overflowing tank can lead to spills. When diesel spills out during refueling, it creates a slipping hazard at fuel stations and on roadways. It also violates environmental regulations and can result in fines.

Weight

The weight of diesel fuel varies depending on its gravity and density, as well as factors such as temperature and pressure. That said, diesel fuel typically weighs approximately 7 pounds per gallon in the US. Filling up 200 gallons adds about 1,400 pounds to your truck!

That weight impacts payload capacity, braking, fuel economy, and compliance with gross weight limits. Understanding how many gallons of diesel a semi truck holds is critical for staying within legal weight limits.

Understanding the Weight of Fuel per Gallon in a Semi-Truck

The question “How much gas does a semi truck hold?” can be answered in another way: weight. Many drivers focus solely on semi-truck fuel capacity, but weight matters just as much. Diesel fuel is denser and thus heavier than gasoline and can significantly affect your load.

One gallon of diesel equals roughly 7 pounds. But multiply that by 200 gallons, and we’re talking about 1,400 pounds! That’s a really big load on your overall vehicle weight.

For carriers hauling loads close to the federal 80,000-pound limit, fuel weight can reduce how much freight you can legally carry. Experienced dispatchers and owner-operators plan loads and refueling stops accordingly.

Key Considerations When Filling a Semi-Truck Fuel Tank

Knowing how to refuel responsibly is even more critical than understanding how many gallons your semi-truck can hold. Several factors affect when, how, and where you should fill up. Ignoring them can lead to inefficiencies or even mechanical issues. These are the factors that have led to widespread use of the 95% rule.

Fuel Expansion

Diesel expands with an increase in heat. Avoid filling up during the hottest part of the day if possible. Fueling in the early morning or evening can help reduce the risk of overflow and spills. Follow the 95% rule for added peace of mind.

Risk of Spilling

Overfilling a semi truck’s gas tank can cause diesel to leak out of the cap or vent. This wastes money and can lead to environmental issues and potential fines. Avoid this problem by avoiding parking on an incline.

Fuel Weight

Diesel fuel weighs more than most people think. And as the fuel tanks fill up, gross vehicle weight increases. Balance refueling needs with load weight, especially when hauling near the legal limit. Overloading can lead to DOT fines and extra wear on brakes and suspension.

Main Factors Affecting How Many Gallons a Semi-Truck Can Hold

Several variables determine a truck’s fuel capacity beyond just the number stamped on the side of the tank.

Tank configuration: Single vs. dual or customized fuel tank, tank shape, and installation method
Truck make/model: Freightliners, Kenworths, Volvos, and Peterbilts come with different configurations.
Some drivers replace stock tanks with larger aftermarket versions.
Local trucks may only need 100–150 gallons, while long-haul rigs may need 250+ gallons.

So, how many gallons do semi trucks hold? Semi-truck fuel capacity and consumption depend on the truck’s specifications and use.

How Many Miles Can a Semi-Truck Go on a Gallon of Gas?

Fuel economy is a significant factor in operational planning. Most modern diesel-powered semi-trucks average 6 to 8.5 miles per gallon (MPG) on highway routes. However, stop-and-go city driving or mountainous terrain can deliver lower MPG.

Theoretically, a truck with 240 usable gallons at 7 MPG could go about 1,680 miles on a full tank. However, how far a semi-truck can go on a full tank depends on speed, road grade, idle time, and load weight.

Additional facts to consider:

Trucks with aerodynamic fairings get better mileage.
Driving conservatively extends range. This is why continued driver training is so necessary.
Newer engines may offer better fuel efficiency.

Understanding your semi-truck’s range on a full tank helps plan fuel stops, reduce downtime, and keep delivery schedules on track.

Conclusion

How many gallons of fuel does a semi hold? The simple answer ranges from 100 to 300 gallons. The real answer is more nuanced.

Tank size, fuel expansion, weight limits, and safety regulations all impact how much fuel your truck can use at any given time. The real-world MPG range depends on route conditions, driving behavior, and truck configuration.

Newer semi trucks often have fuel efficiency technology that can improve your gas mileage range and give you a competitive edge. But don’t worry about affordability. Mission Financial Services offers semi-truck loans to suit all business types and budgets.

What Is a Commercial Truck? Definition, Types, and Uses

From delivering goods across the country to transporting heavy construction equipment, commercial trucks form the backbone of American commerce. But what exactly is a commercial truck, and how do you decide which type fits your business needs?

This guide explores the definition of commercial trucks, how they’re classified, and the different types by weight and use. You’ll also find useful buying strategies and tips for choosing trailers.

Exploring your options at a commercial truck dealership, considering new commercial trucks, or browsing used commercial trucks for sale? This guide will help you make informed decisions.

How Are Commercial Truck Classifications Determined?

The Federal Highway Administration (FHWA) and U.S. Department of Transportation (DOT) classify commercial trucks in North America by Gross Vehicle Weight Rating (GVWR). This is the maximum total weight of the vehicle, including its chassis, body, engine, fuel, passengers, and cargo.

Understanding GVWR helps businesses comply with safety regulations, licensing requirements, and insurance guidelines.

The FHWA divides trucks into three broader categories after classifying them into eight classes:

Class 1–2: Light-duty (GVWR up to 10,000 lbs)
Class 3–6: Medium-duty (GVWR 10,001–26,000 lbs)
Class 7–8: Heavy-duty (GVWR over 26,001 lbs)

These classes reflect the trucks’ capacities, which roads they can operate on, what licenses drivers need, and how the vehicles are insured and taxed.

What Are the Different Types of Commercial Trucks?

Commercial trucks come in a wide variety of builds and applications, from box trucks used for deliveries to semi-truck tractor-trailers shipping cargo. The type you choose depends on your business function, cargo type, and travel needs.

Let’s take a closer look at these truck types divided by weight class.

Heavy-Duty Commercial Trucks – Class 7 and Class 8: GVWR 26,001–33,000 lbs+

These trucks are built with power, endurance, and long-distance hauling in mind. They’re common in the freight, logistics, and construction industries.

Common types:

18-Wheelers / Tractor-Trailers (Class 8): These trucks are designed for long-haul trucking and pull-enclosed trailers, flatbeds, tankers, or refrigerated units. Ideal for freight and logistics operations, they often require lots of maintenance.
Cement Mixers (Class 8): Cement mixer trucks carry wet concrete to construction sites.
Dump Trucks (Class 8): Dump trucks are used for moving large volumes of gravel, sand, or demolition debris.
Refuse Trucks (Class 7 or 8): Waste management fleets rely on heavy-duty refuse trucks to collect and haul trash.
Tow Trucks (Heavy-Duty): What happens when a heavy-duty vehicle breaks down? You call for a heavy-duty tow truck, of course. Manufacturers specially design these vehicles to tow buses and other trucks.

Drivers of heavy-duty trucks like these require a Commercial Driver’s License (CDL).

Medium-Duty Commercial Trucks – Class 3 to Class 6: GVWR 10,001–26,000 lbs

Medium-duty trucks offer versatility for regional deliveries, service calls, and vocational uses like towing or utility work.

Common types:

Box Trucks / Straight Trucks (Class 4–6): These are popular among delivery companies and removal businesses. They have an enclosed cargo area attached to the cab rather than a separate trailer.
Flatbed Trucks (Class 5–6): Flatbed trucks are used to carry oversized or irregularly shaped loads. These commercial vehicles are ideal for the construction and lumber industries.
Utility Trucks / Bucket Trucks (Class 5): Utility trucks have an extendable boom for elevated work. They are common among electrical, telecom, and public works departments.
Refrigerated Trucks (Class 5–6): Refrigerated trucks are crucial for the food and medical transport industries. They maintain cold temperatures essential for perishable products.

These trucks don’t always require a CDL, depending on the GVWR and state laws, making them accessible for small to mid-sized businesses.

Light-Duty Commercial Trucks – Class 1 to Class 2: GVWR Less Than 10,000 lbs

Light-duty commercial trucks are perfect for small business owners, tradespeople, and delivery services within cities or suburban areas.

Common types:

Pickup Trucks (Class 1–2): Widely used in construction, landscaping, and agriculture. They’re versatile, fuel-efficient, and come in many configurations.
Cargo Vans (Class 1–2): Ideal for last-mile delivery, plumbing, HVAC, or repair businesses. Offers secure storage and easy urban maneuverability.
Passenger Vans (Commercial Use): Used by shuttle services, hotels, and churches for transporting multiple passengers.

Many new trucks in this class are available through retail dealerships and often qualify for business tax deductions.

How to Choose the Right Trailer for Your Commercial Vehicle Business

A commercial truck’s job isn’t complete without the right trailer. Trailers expand hauling capabilities and enable businesses to customize their operations.

Popular trailers:

Dry Van Trailers: Fully enclosed for general inventory and dry goods.
Flatbed Trailers: Open design for oversized or heavy materials like steel beams or lumber.
Refrigerated Trailers (Reefers): Temperature-controlled trailers used by food distributors and pharmaceutical companies.
Tanker Trailers: Used to transport liquids, chemicals, or gases.
Dump Trailers: Construction, agriculture, and landscaping professionals use hydraulic lift trailers for various tasks.

Consider these factors:

Cargo type: Is it perishable, hazardous, or fragile?
Load size and weight: Match trailer specs with your commercial truck’s towing capacity.
Operational terrain: Will you operate on highways, rural roads, or off-road environments? Optional equipment may be necessary for off-road use.
Regulatory compliance: Ask the sales team about DOT and state regulations for your cargo and vehicle class.

Working with a reputable commercial truck dealership helps you get the right trailer-to-truck match and ensures compliance with all legal requirements.

How Construction Crews Buy Work Trucks vs. Utility Companies

Fleet managers from both sectors often attend commercial truck sales events to find bulk discounts or demo models with low mileage. However, construction crews and utility companies prioritize different features and specs.

Construction Crews

Construction businesses need trucks that handle tough environments, haul heavy tools, and carry building materials. These trucks must be rugged, powerful, and often 4×4 capable.

Common construction trucks:

Heavy-duty pickup trucks with toolboxes and towing hitches
Dump trucks for debris and raw material transport
Flatbed trucks for moving pallets and lumber
Crane trucks for lifting equipment on-site

Best buying strategies:

Choose durability over luxury.
Buy based on payload capacity and off-road performance.

Utility Companies

Utility companies focus on efficiency, safety, and access. They equip their trucks for specialized tasks like line maintenance, underground inspections, and storm response.

Typical utility trucks include:

Bucket trucks for aerial work
Service trucks with onboard tool storage and generators
Cable spool trucks for telecom work

Best buying strategies:

Look for trucks with high uptime and easy maintenance.
Invest in vehicles with telematics and GPS for fleet tracking.

Finding the Work Truck That’s Right for Your Business

The right work truck boosts productivity, supports your team, and improves customer satisfaction. Whether you’re expanding a fleet or buying your first work vehicle, there’s a truck that fits your business.

Here are a few tips for making a smart investment:

Consider what your truckers are hauling, how far, and how often. Consider the terrain and weather conditions along your routes. The latest technology will give your drivers the confidence they need.
In your search for the perfect truck, match the vehicle to the job. Don’t overspend on a heavy-duty Freightliner-type model if a light-duty vehicle meets your needs.
Factor in the total cost of ownership, not just the initial price. Include fuel costs, maintenance, insurance, and depreciation.
Explore available financing options for the best deals. Many commercial truck dealerships offer flexible financing, leasing, and warranty packages.
Don’t get hung up on brands like Ford, Mack, RAM, Peterbilt, or Isuzu and then forget about scalability. If your business grows, will the truck live up to dealer promises and still meet your needs?
Before you buy, review the truck’s history and maintenance records and have a mechanic inspect it if it’s a used vehicle.

Conclusion

A commercial truck is an essential business asset. From light-duty delivery vans to heavy-duty haulers for construction materials, these vehicles support industries across America.

Understanding truck classifications will help you find the ideal vehicle for your needs when you’re looking to buy a truck. And Mission Financial Services will help you get the funds you need to get those trucks.

We offer owner-operators and fleet services the commercial truck financing they need, even with limited or bad credit. Contact us today and get the funding you need for your next commercial truck purchase.

How to Jump-Start a Semi-Truck

Are you a truck driver for a small trucking business or an owner-operator? You’ll face various challenges along the road, and one of them is the dreaded dead truck battery. But learning how to jump-start a semi-truck will give you the confidence you need to deal with this common issue.

This article walks you through everything you need to know, from gathering the right tools to knowing when to call a pro. Our jumpstart for semi-truck step-by-step guides and handy tips will get you back on the road again quickly and safely.

Equipment Required to Jump-Start a Semi Truck

Semi-truck repair insurance does not cover dead batteries. Fortunately, once you know how to jump-start a semi-truck, it’s often a cheap and simple fix. But jump-starting a semi truck requires more than standard automotive tools.

You need heavy-duty jumper cables that can handle large electrical loads and a donor vehicle with a compatible electrical system. You may also want to wear safety glasses and gloves.

Many operators carry a commercial-grade jump starter or portable power pack, which provides a powerful and often safer alternative. Other helpful items include a battery terminal brush and a voltage meter for diagnosing battery issues.

Choosing Heavy-Duty Jumper Cables

The most important thing about jump-starting your truck is that you must use heavy-duty jumper cables.

Light-duty cables designed for cars and vans won’t work on a semi truck. Most semi trucks have 3 or 4 12-volt batteries. Each is rated at around 1000 cranking amps. Therefore, choose cables rated for 1000 amps or more. Use cables at least 20 feet long so you can easily reach between vehicles.

Use 100% copper or high-quality copper-clad aluminum cables. Copper conducts electricity better and lasts longer. Make sure the insulation resists oil, heat, and abrasion. Use clamps that grip battery terminals securely.

Tools Needed for Jump Starting a Semi Truck

In addition to heavy-duty jumper cables, keep the following tools handy:

Battery terminal cleaner or wire brush. This removes corrosion for better connections.
A multimeter or voltmeter. This measures the voltage before and after the jump-start.
Work gloves and safety goggles. They protect hands and eyes.
Portable jump starter (optional): It offers a self-contained solution without needing another vehicle.
A flashlight to illuminate dark areas under the hood. This is even more useful if attempting a jumpstart in the dark of night.

These tools ensure you can jump-start your semi truck safely and efficiently.

Safety Measures and Precautions

Working around high-voltage systems can be dangerous if you don’t follow proper safety steps. Before you get started, take these precautions:

Verify that the donor vehicle has an equal or higher voltage system.
Turn off both vehicles before connecting the jumpstart cables. Set both trucks to neutral or park. Engage the parking brakes.
Remove metal jewelry and keep tools away from terminals.
Avoid leaning over batteries, and wear protective gear like gloves and goggles.

Step-by-Step Guide to Jump-Start a Semi Truck

The life of a trucker can be both exhilarating and challenging. Different truck types, routes, and roles mean that trucking can be a different experience for everyone. But getting sidelined by a dead battery frustrates every trucker.

If your truck won’t start or struggles to start, dead or weak batteries may be the cause. It’s best to use another truck as the donor vehicle or a dedicated jump starter designed for heavy-duty vehicles. A jumpstart is the quickest and cheapest solution.

Follow these steps carefully, and you’ll know how to jump-start your semi truck safely.

Step 1

The jumper cables have to reach both vehicles’ batteries, so position the truck that will be jumpstarting you as close to your semi as possible. However, the vehicles must not touch each other. Turn off both trucks and set them in neutral or park.

Step 2

Semi-trucks often have dual batteries or multiple batteries connected in series to meet the high power and performance demands of their engines. Open the trucks’ hoods and locate all batteries. Ensure that you understand your battery configuration before attempting a jumpstart.

Step 3

Inspect the batteries closely and check for battery acid leaks and cracks. If you find any damage, leaks, or cracks, don’t continue. The battery needs to be safely disposed of and replaced. Check the battery terminals for signs of corrosion. If you detect corrosion, clean the terminals with a wire brush to remove it.

Step 5

Once you have determined that the battery has no leaks or cracks and is free from corrosion, you may connect the jumper cables:

Clamp a red (positive) cable to the positive terminal of the dead battery, and the other red one to the positive terminal of the donor battery.
Clamp the black (negative) cable to the negative terminal of the donor battery. Attach the other black one to an unpainted metal surface on the engine block or chassis of your semi with the dead battery.

If you are unsure whether or not the battery is flat or if another issue may be at play, check the voltage before and after jumpstarting. However, this is unnecessary if you are certain that a flat battery is the only problem.

Step 6

Start the donor vehicle. Let it run for a few minutes to supply enough current. After a few minutes, try to start your semi-truck. If it doesn’t start, don’t stress; it can sometimes take a while. Just wait a few more minutes and try again.

Step 7

Remove the cables in reverse order:

Disconnect the black clamp from the chassis.
Remove the black clamp from the donor battery.
Remove the red clamp from the donor battery.
Detach the red clamp from the semi truck battery.

Step 8

Let the semi-truck idle for a while. Keep it running for 15 to 30 minutes to recharge the battery.nDrive it a while or test the battery’s voltage to confirm it’s holding a charge.

How Many Amps to Jump Start a Semi Truck

Semi trucks use powerful batteries. To jump-start a semi truck, you usually need 1000 to 2000 amps. Cold weather may require more. Use a portable jump starter that offers at least 1500 peak amps.

Donor vehicles, like other semi trucks or heavy-duty diesel pickups, can usually provide enough current. Smaller vehicles don’t have the power. Always match your cables and jump starters to your truck’s electrical needs.

Caring for Your Semi Truck Battery

From semi-truck wheel alignment to oil changes, regular maintenance is key to keeping your trucks on the road. But don’t forget about battery maintenance and care. Take care of your semi-truck batteries to reduce the need for future jump-starts.

Inspect connections: Tighten loose cables and clean corrosion.
Check fluid levels: Add distilled water to non-sealed batteries if needed.
Test voltage regularly: Use a multimeter to verify the charge.
Avoid deep discharges: Turn off accessories when the engine isn’t running.

Signs of Battery Failure

Watch for these warning signs:

Dim headlights or dashboard lights
Slow engine cranking
Clicking noise when turning the key
Accessory malfunctions
Swollen or leaking battery case

Replace the battery if you spot these symptoms.

Understanding the Electrical System of a Semi Truck

To know how to jump-start your semi truck, understand its electrical setup. Most semis use 12-volt or 24-volt systems powered by two 12-volt batteries.

These systems supply power to the ignition, lights, refrigeration units, and electronics. Issues with alternators, voltage regulators, or wiring can affect the entire truck. Know how the parts work together to diagnose issues and avoid repeated jump-starts.

When to Call a Professional

Call a professional if you experience the following:

Remaining uncertainty about how to jump-start your semi-truck.
Battery damage or battery acid leaks.
The truck won’t start after multiple attempts.
Strange sounds or the smell of burning.
You lack a donor vehicle or a high-powered jump starter.

Professionals have the training and equipment to resolve the issue safely.

Conclusion

Knowing how to jump-start your truck is an essential skill for owner-operators and fleet managers. With our guide to jumpstarting a semi and the right tools, you can handle dead batteries efficiently. And our tips for battery care will extend your semi-battery’s life.

But when your problems are bigger than a dead battery, get the funds you need here at Mission Financial Services.

Do you need to do urgent repairs? We offer semi-truck repair loans. Would it be more economical to replace your ailing truck? We’ll start the ball rolling with a loan for a new (or used but new to you) semi-truck. Contact us today for further information and advice.

Commercial Insurance for Pickup Trucks: Cost and Top Insurance Companies

Pickup trucks serve as the backbone for many small commercial operations across the United States. Whether used for hauling materials, making deliveries, or transporting equipment, these vehicles play a critical role in daily business operations.

However, operating a pickup truck for commercial purposes comes with its own set of risks. If you own a small business, facing these risks unprepared can mean financial disaster. That’s why insurance specifically designed for pickup trucks is so essential.

This article explores everything you need to know about commercial insurance for pickup trucks.

What Is Commercial Insurance for Pickup Trucks?

Commercial insurance for pickup trucks is a specialized type of auto insurance policy designed to protect trucks used for business purposes.

Unlike personal auto insurance, which covers only non-commercial activities, commercial auto insurance covers vehicles used for work-related tasks such as transporting tools, towing, or cargo deliveries. These policies typically offer higher liability limits and additional coverage options.

Commercial vehicle insurance is tailored for the unique risks that businesses face, including property damage, bodily injury, and, of course, cargo loss. Businesses that use pickup trucks rely on this insurance coverage not only to mitigate risks and protect their financial assets but also to stay legally compliant.

Are Commercial Auto Policy and Business Auto Insurance the Same Thing?

This is one of the most frequently asked commercial auto insurance questions. So, let’s clear up the confusion.

Commercial insurance provides comprehensive protection for vehicles used for business purposes, including delivery trucks and service vans. Business auto insurance is for businesses that occasionally use personal vehicles for work-related tasks.

So, can you use business auto insurance for your company vehicle? Business auto insurance can provide a middle ground between personal and commercial coverage. It may be sufficient for your company car. However, it does not offer the full protection of a commercial auto insurance policy.

Is There a Difference Between Insurance for Commercial Trucks and Pickups?

If you have a commercial truck insurance policy for your semi-trucks or box trucks, you may be wondering if you need separate insurance for your pickup trucks.

While these are all business vehicles, commercial pickup truck policies cover pickups specifically and the various tasks they’re used for. Pickup trucks carry less cargo than semis or even box trucks. They are also cheaper to repair. Therefore, pickups are cheaper to insure, too.

Who Needs Commercial Pickup Truck Insurance?

If you use a pickup truck for your business, then you need commercial insurance for pickup trucks. However, contractors and construction workers who haul equipment or materials, towing and roadside assistance providers, and delivery/courier services often need it the most.

Even if you occasionally use your pickup truck for business, your insurer may deny claims if you don’t have the proper policy and coverage. Don’t leave your business exposed. Commercial insurance ensures you keep your business afloat and on the right side of the law.

What Does a Commercial Vehicle Insurance Policy Typically Cover?

While policies vary by provider, most commercial vehicle insurance providers offer:

Liability Coverage: This covers liability claims if you’re at fault in an accident. It includes bodily injury and property damage coverage.
Collision Coverage: It pays for repairs to your truck if it’s damaged in an accident.
Comprehensive Physical Damage Coverage: This protects against non-collision events such as theft, fire, or vandalism.
Motor Truck Cargo Insurance: It covers goods transported by trucks against loss or damage during transit.

Common Types of Commercial Auto Coverage

Here are a few common types of coverage. Policies can also be customized to fit the specific needs of your operation.

Primary Liability: Required by law, this covers bodily injury and property damage to third parties.
Physical Damage Coverage: Helps pay to repair or replace your work vehicle in the event of damage due to an accident or other disaster.
Motor Truck Cargo Insurance: Covers the goods or materials your truck transports.

Customizing your policy helps ensure you have the right coverage without paying for unnecessary extras.

Liability vs. Physical Damage in Commercial Truck Insurance

Understanding the difference between liability and physical damage coverage is crucial when shopping for commercial insurance for pickup trucks.

Liability Insurance covers costs if you’re found at fault in an accident involving another vehicle or person. It’s legally required and includes both bodily injury and property damage components.

Physical damage insurance refers to damage to your vehicle. And there are two types:

Collision: Covers your truck if it hits or is hit by another vehicle or object.
Comprehensive: Covers events like theft, fire, or vandalism.

While liability insurance is mandatory, physical damage coverage is optional but highly recommended, especially if you have a financed or leased vehicle. Having both will ensure your business assets are protected in all scenarios.

What Types of Pickup Trucks Can Be Insured?

Some pickup trucks are marketed as heavy-duty because they have higher payload and towing capabilities. But all classes of pickup trucks used for commercial purposes can be covered under commercial vehicle insurance.

Light-duty pickups (like a Chevy Silverado 1500)
Medium-duty pickups (like a Ram 2500 or Ford F-250)
Heavy-duty pickups (like a Ford Super Duty F-450)

Additional customizations such as utility beds, lift kits, ladder racks, and toolboxes can impact your insurance needs. Insurers may request detailed information about the vehicle’s modifications and purpose.

Factors That Influence Insurance Costs

By understanding potential costs, you can make informed decisions that protect your livelihood.

Several factors impact the cost of commercial insurance for pickup trucks:

Newer or higher-value trucks typically cost more to insure.
Regularly driving long distances and hauling expensive equipment can mean higher premiums.
Insurance prices can vary widely from one state to the next. Some states may also have different coverage requirements.
A record of previous claims may result in higher premiums.
More coverage means higher premiums, but higher deductibles can lower them.
Fleet discounts may apply for multiple vehicles and drivers.

How Vehicle Use and Driving History Impact Commercial Auto Insurance

How you use your pickup truck and who drives it directly affect what you might pay for your commercial insurance policy.

Pickup trucks used for deliveries or equipment hauling are subject to greater risks than those used for supervisory visits.
Local versus interstate use impacts risk levels and pricing.
Insurers evaluate the motor vehicle records (MVRs) of all drivers. Clean records can lead to discounts, while accidents and violations increase premiums.
Driver Experience: Experienced commercial drivers pose less risk and may lower your premiums.

Maintaining a formal driver screening process can improve your risk profile and reduce insurance costs.

Common Exclusions and Limitations

Always read the policy’s fine print. Talk to your agent to clarify what’s included and what’s not. This will prevent unpleasant surprises during claims.

Typical exclusions and limitations include:

Some policies exclude non-business use.
Claims may be denied if an unlisted driver operates the vehicle.
Using the vehicle outside of declared purposes may void coverage.
Insurance doesn’t cover mechanical repair costs or maintenance expenses like oil changes.
Damage caused intentionally is excluded.
If cargo isn’t disclosed or covered under your policy, its losses won’t be reimbursed.

How to Get and Compare Commercial Pickup Truck Insurance Quotes

Don’t settle for a one-size-fits-all solution. Tailor your coverage to match your unique business needs.

The Top Contenders

Top providers offering commercial insurance for pickup trucks include:

Progressive Commercial
GEICO Commercial Auto
Nationwide Business Insurance
State Farm
The Hartford
Sentry Insurance

Get the Best Coverage for Your Business

Ready to get your commercial vehicles covered? These tips make shopping for commercial insurance for pickup trucks easy:

Decide on the types and amounts of coverage based on your business risk profile. Have details ready about your truck(s), business use, driver history, and previous insurance.
Some insurance agents and brokers focus exclusively on commercial vehicle insurance. However, we recommend that you use comparison websites to get multiple quotes.
Ask about coverage bundling, safety programs, or other tactics that may earn you discounts.
Check each insurer’s reputation. Look at customer reviews, claims handling, and financial strength. And review their terms and conditions carefully.
Check the limits and deductibles. The coverage limit is the maximum amount the insurer will pay for a covered claim. The deductible is the amount you pay before they pay out.

Conclusion

Whether you’re an independent contractor or manage a team of up to ten drivers, commercial insurance for your pickup trucks is a smart investment. From liability protection to coverage for vehicle damage and cargo, the right policy will shield your business from potentially devastating financial losses.

And when the time comes to add to your fleet, continue to make sound financial choices with Mission Financial Services.

Don’t let a limited or poor credit history stand in the way of progress. We provide affordable commercial vehicle loans to first-time buyers and those with bad credit. Contact us and make the right choice for your business today.

Semi-Truck vs Full Truck | What Is the Difference?

Trucks are used across almost all industries. In fact, according to the American Trucking Associations, trucks deliver over 80% of all US freight. That makes transporting goods with trucks a good business to be in.

If you’re new to the world of trucking, though, you may be confused by some of the jargon, such as the names of different types of trucks. Don’t worry, we’ve got you covered. Join us as we explore the differences between the semi-truck vs full truck.

What is the Difference Between a Semi-Truck and a Truck?

Most trucks are either full trucks or semi-trucks. So, what is the difference between a semi-truck vs full truck, and why does it matter so much in the trucking industry? They are both trucks used for transporting cargo. However, they have distinct differences that make them suitable for different types of cargo hauling.

A clue to the main difference is in their names. A full truck has a full trailer. A semi-truck has a semi-trailer. Let’s examine the different trailer types to understand what makes them so different.

What is a Full Trailer?

Full trailers move with the trucks that tow them, but do not rely on the towing vehicle to support the load. A full trailer carries its own weight entirely. The full trailer has a drawbar that connects to the coupling on the truck.

What is a Full Truck?

A full truck is a straight truck with its own cargo space. It does not have a detachable trailer. It has a trailer for cargo hooked to the truck itself.

Full trailer trucks are reliable and versatile, and are used widely in a variety of roles. If you’ve ever heard of a box truck, it is a full truck. It is called a box truck because the cargo area is an enclosed, rectangular box that is attached to the truck’s chassis.

Thinking of buying a box truck for your business? Before you do, read our guide to understanding box truck financing.

What is a Semi-Trailer?

Semi-trailers are detachable trailers usually constructed of high-strength steel or aluminum. They get hitched to a truck to transport cargo. Semi-trailers come in different designs to suit specific cargo, for example, raw materials, bulky goods, liquids, chemicals, etc.

The truck can offload the entire trailer without waiting for the goods in it to be offloaded, and attach another one. The trailer often has legs to support it when it is uncoupled from the truck.

What is a Semi-Trailer Truck?

The semi-trailer is used with a tractor truck, more powerful than a regular truck. The truck does not carry cargo itself, but instead pulls the rear trailer carrying the cargo. This combination of a semi-trailer and a tractor truck is called a tractor trailer truck or semi-trailer truck.

It is often just referred to as a semi-truck or a semi in the U.S. Elsewhere, it may be known as an articulated truck. An articulated vehicle is composed of two parts: a tractor unit (or cab) and a trailer.

Driving a semi-tractor truck with a long semi-trailer is very different from driving a delivery van or even a heavy-duty full trailer truck. These giant vehicles are much longer and can have multiple trailers. Remember this when you are looking for drivers for your trucking business.

If you need a driver who has experience driving big semis, state this clearly in the commercial truck driver job description. The last thing you need is for your truck driver to be involved in an accident. A truck accident can be much more costly than a car accident or a motorcycle accident, after all.

Full vs Semi-Truck: Key Differences

There are quite a few differences between a full truck vs semi-truck. Consider these before you purchase a truck to start a truck delivery business.

Connection Mode

The first and most obvious difference between a semi-truck vs full truck is the connection mechanism. A semi-trailer is connected to a truck by a heavy metal coupling called a kingpin.

This cylindrical connection is located underneath the front end of the trailer. It locks the trailer onto the truck. Meanwhile, a full trailer is connected by a front hook on the trailer and a coupling on the truck.

Dimensions

Dimensions are another giveaway in the comparison of a semi-truck vs full truck.

The semi-trailer’s standard dimensions are 48 to 53 ft. long, 8.5 ft. wide, and 13 ft. high. Compare this with the full trailer. Its standard dimensions are only 10 to 26 ft. long, 8.5 ft. wide, and 13 to 14 ft. high. Therefore, the semi-trailer is usually much longer than a full trailer.

Capacity

There’s also a big difference in the capacity of the semi-truck vs full truck. Semi-trailers can carry up to 80,000 lbs in weight. Full trailers typically carry about 33,000 lbs. in weight. Therefore, the semi-trailer usually carries more weight than a full trailer.

Usage

Because of their different dimensions and capacities, usage is another big difference between the semi-truck vs full truck.

Semi-trailer trucks can take more cargo and are thus often used for long-distance hauling. There are different types of semi-trailers, like refrigerated trailers for perishable foods, and lowboy trailers for oversized loads.

Full trailer trucks can take a lot of cargo, but decidedly less than the biggest semis. That’s why they are typically used for smaller, usually local, deliveries.

Driving a heavy truck, especially a semi, requires a Commercial Driver’s License (CDL).

Components and Design

A comparison of the semi-truck vs full truck shows a very different design and components. Full trucks are trailers on their own wheels, with both front and rear axles, although sometimes, the rear axles are in the middle. And these axles support the entire trailer’s weight.

Semis are a combination of a truck and a trailer, without a front axle. So, why do semi-trailers have no front axles, only rear axles? The front half of the trailer is supported by the back of the truck itself. The rest is supported by the rear axles.

Wheels

A two-axle straight truck will usually have four wheels. The number of wheels on a semi-truck can vary depending on the freight. Six to ten wheels is typical. However, there can be as many as eighteen, and these trucks are often referred to as eighteen-wheelers.

The extra wheels on semi-trucks offer better weight distribution, with more stability and balance for those heavier cargo loads. Of course, heavier loads can impact fuel consumption, but most modern semis offer better fuel efficiency.

Maneuverability

The design of a semi-truck vs full truck affects maneuverability as well.

Semi-trailers generally provide better traction than full trailers and more maneuverability in tighter urban spaces. Semi-trucks are easier to reverse even with the trailer hooked. This is because they only have a single turning point at the coupling, unlike full trailers, which have two: the drawbar and the coupling.

Experienced drivers handle these issues well. However, even new truck drivers will find it easy to handle any truck by attending one of the top CDL training schools. These schools offer practical commercial truck driver training for all heavy trucks, including semis.

The Role of Semi-Trucks in Commercial Transport

In the choice of semi-truck vs full truck, which is more popular? The truth is, they both are, because they both have advantages. Full trailer trucks are easy to drive, have low operational costs, and are ideal for transporting lightweight goods.

However, semi-trucks are especially popular for commercial transport logistics and long haul transport. They can haul much larger volumes. And they fulfill necessary functions at all stages of the commercial journey.

They are crucial for manufacturing, hauling raw materials to factories. They are essential for distribution, carrying finished goods to retailers. And they are just as useful for retail deliveries, transporting the merchandise to waiting consumers.

This makes semi-trucks invaluable for commerce. But they are just as important for agriculture and other sectors. This makes owning or operating a semi-truck fleet a good business to be in.

Conclusion

Now that you know all the differences between a full truck and a semi-truck, you can decide which is the better option for your business.

For a smaller local delivery business, a full truck is fine. Semi-trucks are preferred for long hauls as they can take much more cargo. If you’re building an intracontinental freight business, this is the truck you will need.

Whatever you decide, you’ll need reliable financing to buy your trucks. Mission Financial Services can help you get the funds to buy new or used commercial vehicles and semi-trucks. Contact us today to get started.