Big Rig

What Big Rig does

Big Rig Lending, LLC is a privately held commercial lender founded in June 2016 and headquartered in Dalton, Georgia. The company provides short-term installment loans of up to $25,000 to owner-operators and small trucking fleets to cover working capital gaps, truck repairs, tire replacement, tax obligations, and insurance premiums. Since inception, Big Rig has disbursed more than $87 million across 48 continental US states, with no disclosed institutional investors, parent company, or external equity funding.

The company's core operational technology is the "10-4 Process" — an origination workflow requiring approximately 10 minutes of phone interaction and four photographs (driver's license, truck, odometer, title/VIN) to determine loan eligibility and amount. Documents are executed electronically in most states, while in-person execution at the Dalton office is required for the remaining jurisdictions. The product set includes commercial truck loans, title pawns governed by the Georgia Pawnbroker Act, and revolving lines of credit, all underwritten on factors beyond credit score such as truck value, business history, and cash flow. Standard funding timeline is 48 hours, and Big Rig pays repair shops directly for repair-financing transactions.

Distribution is split between inside phone sales (funding specialists reachable at 1-844-624-4744) and a repair-shop affiliate program that pays $100 per closed referral. The company targets a single underserved vertical — owner-operators and small fleets in the US trucking industry, a segment typically declined by traditional banks due to irregular income and thin credit files. The Recent Fundings page shows individual loan sizes between $5,000 and $12,000 across at least a dozen states, confirming a long-tail, small-ticket origination model with no enterprise concentration.

Name

Big Rig

Legal name

Big Rig Lending, LLC

Website

https://bigriglending.com

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

11–50 employees

Short description

Big Rig Lending is a Georgia-based private direct lender offering short-term commercial truck loans of up to $25,000 to owner-operators and small fleets across the US. Its 10-4 Process (10 minutes + 4 photos) enables 48-hour funding with direct repair-shop payment.

Ownership category

akta.pro rank

Product category

Commercial Truck Financing

SIC

Loan Brokers (6163)

akta.pro primary industry

Commercial Trucking & Heavy Equipment Vehicle Finance (FSAKADAI)

Keywords

• Commercial truck financing
• Owner-operator loans
• Working capital loans
• Truck repair financing
• Tire financing

Headquarters

HQ city

Dalton

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Supply Chain, Others

Revenue model

1. Commercial Truck Installment Loans: Short-term installment loans for owner-operators to cover unexpected expenses like repairs, tires, taxes, insurance, and working capital. Loans up to $25,000 with repayment plans tailored to the customer's cash flow.
2. Title Pawn: Title pawn product for commercial entities, governed by the Georgia Pawnbroker Act. Uses truck title as collateral for short-term financing.
3. Lines of Credit: Revolving credit facilities for owner-operators needing ongoing access to working capital for truck-related expenses.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

Big Rig Lending is a commercial truck finance company that provides loans and credit products to owner-operators and small trucking fleets. Core offerings include semi-truck loans up to $25,000, working capital financing, truck repair financing, tire financing, tax and insurance financing, and title pawns. Applications are processed through the proprietary "10-4 Process" (10-minute phone call plus four photos), with funding typically delivered within 48 hours across 48 continental U.S. states.

Product overview

Big Rig Lending is a single-product commercial lending company offering short-term bridge loans for owner-operators and small trucking fleets. The core product is the Commercial Truck Loan/Semi Truck Loan, which provides up to $25,000 with funding in as little as 48 hours. This is complemented by Working Capital Financing, Truck Repair Financing, Tire Financing, and Tax & Insurance Financing—all using the same streamlined 10-4 Process (10 minutes + 4 photos). The company also offers Title Pawns governed by Georgia law. Products are delivered through an online platform with phone support, and the company maintains an affiliate/referral program for repair shop partners. Big Rig has loaned over $87 million to owner-operators across 43 U.S. states since its founding in June 2016.

Differentiator

Problem solved

Functional benefit

Products and services

• Commercial Truck Loans Commercial truck loans of up to $25,000 for owner-operators and small fleet trucking businesses to finance semi-trucks and related commercial vehicles.
• Semi Truck Loans Dedicated financing product for semi-truck purchases by owner-operators, structured as commercial truck loans within Big Rig's core product range.
• Working Capital Financing Short-term working capital loans for owner-operators and small fleets to bridge cash flow gaps and cover day-to-day operating expenses.
• Truck Repair Financing Financing for unplanned or major truck repairs, enabling owner-operators to fund mechanical work and return trucks to service quickly.
• Tire Financing Dedicated financing for commercial truck tire purchases, allowing operators to spread the cost of essential tire replacements.
• Tax and Insurance Financing Loans to help owner-operators pay quarterly estimated taxes, annual tax bills, and commercial truck insurance premiums on schedule.
• Title Pawns Short-term, title-secured pawn loans using truck titles as collateral, providing quick liquidity for owner-operators.

Quantifiable outcome

• Funding in as little as 48 hours from initial application
• +2 more outcomes

Named customers2 records

Segments2 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

One partnership is on record.

• Repair Shops (Affiliate Network)coreChannel Partner/ Reseller/ DistributorRepair shops across the United States refer owner-operators to Big Rig for commercial truck loans. In exchange, repair shops receive a $100 referral fee for each completed transaction. Big Rig pays repair shops directly for repair financing, eliminating hassles for customers. The company actively recruits repair shops as affiliates and describes word of mouth as their best form of advertising.

Scale indicators5 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Tandem Finance: Specializes in financing for commercial trucks and owner-operators, offering loans and lease-purchase options for used trucks. Directly comparable to Big Rig in target customer (owner-operators), asset class (commercial trucks), and underwriting flexibility.
• TFS Financial (Transportation Financial Services): Provides commercial truck financing and leasing tailored to owner-operators and small fleets. Comparable to Big Rig in niche focus on commercial trucking finance, asset-based lending, and serving subprime or thin-file borrowers.
• OnDeck Capital: Digital small-business lender offering short-term loans and lines of credit to SMBs underserved by banks. Comparable to Big Rig in subprime-friendly underwriting, fast-turn funding (often 24 hours), and small-dollar loan products.
• Fora Financial: Provides working capital loans and lines of credit to small businesses, including those with challenged credit profiles. Closely mirrors Big Rig's subprime SMB lending approach, revenue-based underwriting, and quick-turn product structure.
• TitleMax: Title-lending company using vehicle titles as collateral for short-term loans. Directly comparable to Big Rig's title pawn product in collateral structure, regulatory exposure to state pawn/title lending laws, and short-duration, small-dollar format.
• Apex Capital: Trucking-focused factoring company providing invoice financing and working capital to owner-operators and small carriers. Comparable to Big Rig in serving the same customer base with cash-flow-based products that bridge the gap between hauls and payments.

Broad incumbents

• CIT Group / First Citizens (Commercial Services): Large commercial finance institution offering equipment financing, working capital, and fleet financing. Comparable to Big Rig in serving trucking and small-business borrowers, but at vastly greater scale and primarily serving more creditworthy customers.
• Volvo Financial Services: OEM captive finance arm providing loans and leases on Volvo and Mack trucks. Comparable to Big Rig in financing the same commercial truck asset class, but Big Rig serves independent owner-operators while VFS primarily supports new Volvo/Mack buyers through dealer channels.
• PACCAR Financial: Captive finance arm of PACCAR (Kenworth, Peterbilt) providing retail loans and leases on new and used trucks. Comparable to Big Rig in commercial truck lending, but constrained to OEM channels and more prime-skewed underwriting than Big Rig's subprime-friendly model.

Emerging players

• Bluevine Capital: Digital small-business banking and lending platform offering lines of credit and term loans to SMBs. Comparable to Big Rig's lines of credit product and subprime-friendly SMB underwriting, though broader across industries rather than trucking-only.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/BigRigLending
• LinkedInlinkedin.com/company/big-rig-lending

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Big Rig