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Trucks on the highway at sunset

Specialty Lending

Friendly Hills Bank’s Truck Lending Group

At Friendly Hills Bank, we provide fast and flexible truck financing solutions for independent owner operators and small fleet owners with less than ten units looking to purchase and/or refinance on-road medium duty and heavy-duty vehicles through direct funding, including grants from the California Air Resources Board (CARB) and additional support under the California Capital Access Program (CalCAP).

With nearly 50 years of combined experience, our dedicated team offers quick credit decisioning, flexible terms, and custom-tailored financing solutions to fit the unique needs of existing owner operators along with first-time truck buyers, so they can better manage their cash flow and focus on the bigger picture–growing their business.

Eligible Vehicles

  • on-road medium duty (gas/diesel/alternative fuel) and heavy-duty (diesel/alternative fuel) vehicles
  • Heavy-duty trucks (over 14,001 lbs. GVWR) equipped with 2010 or newer model year engines certified to engine emission standards
  • The engines can use diesel fuel, compressed natural gas (CNG), liquefied natural gas (LNG) or other fuels, including zero emission technology
  • Trailers when purchased with tractor

Borrower Qualifications

  • 10 or fewer trucks in the fleet at the time of loan signing
  • 100 or fewer employees, not including subcontractors
  • $10 million or less in annual revenues, averaged over the last three years
  • A majority of business must be conducted in California


Friendly Hills Bank is now accepting credit applications up to $250,000.

To learn more about available financing opportunities, contact one of our specialty lending experts:

Marc Merino
Executive Vice President, Director Specialty Lending

Clive Melville
Vice President, Business Development Officer

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