The demand for financing in the trucking industry continues to gain ground , driven not only by the need to renew fleets, but also by greater dynamism in logistics and distribution in the country, according to the Mexican Association of Financial Societies for Leasing, Credit and Factoring (Amsofac) .
The sector has consolidated itself as one of the main destinations for financing within specialized financial companies, concentrating 35% of the portfolio by asset type , as explained by Alberto Martínez Rubio, president of Amsofac.
This behavior is due to a combination of structural factors that are redefining transportation operations. The growth of e-commerce, the strengthening of logistics chains, and phenomena such as nearshoring (relocation of production lines) are increasing the demand for transportation services in various segments.
“In terms of financing, we expect to grow by about 6% to 7% in light vehicles and between 8% and 10% in heavy vehicles in terms of penetration,” Martínez explained.
Added to this environment is the natural renewal of fleets , as well as the expansion of regional distribution networks, which keeps the need to acquire or replace units active.
“There is a cyclical renewal of fleets, and also the expansion of regional distribution networks that is growing,” the executive added.
According to Amsofac, this trend will be reflected throughout 2026, where a growth of close to 40% in transportation financing is expected , particularly in the freight transport segment , driven by the demand for solutions to strengthen the operational capacity of companies.
However, this growth will not be uniform across all segments. According to Martínez, market growth will also be significant in light vehicles, while the heavy vehicle segment could remain at levels similar to those of 2025.
The year 2025 ended with a marked contraction for the Mexican heavy vehicle industry, both in sales and production, confirming a less dynamic environment that persisted throughout the period, according to figures from the National Association of Bus, Truck and Tractor-Trailer Producers (ANPACT) .
Between January and December of last year, wholesale sales totaled 30,673 units, representing a 54.7% drop compared to the same period in 2024. By segment, the cargo market declined by 55% , according to ANPACT.
Even so, from the perspective of non-bank financial institutions , an increase in financing penetration is anticipated in both light and heavy vehicles, with greater growth opportunities in the former, although there will also be progress in freight transport.
In this context, small and medium-sized enterprises (SMEs) remain the main focus of attention for these financial solutions, as they are the segment with the greatest need for access to capital.
Among the available tools, pure leasing stands out as one of the most relevant alternatives for the sector, allowing companies to operate with updated units without compromising their liquidity or assuming direct ownership of the assets.
“Operating is an extremely effective tool that allows you to always keep your fleet at the forefront,” Martínez said.
Furthermore, this model facilitates the integration of additional services within the financial scheme, reducing operating costs associated with maintenance.
Thus, financing is emerging as a key enabler for road transport , at a time when fleet modernization, logistical efficiency and adaptability will define the sector’s competitiveness.
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