Document:

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                                                                    EXHIBIT 4.24

                 FLEET CAPITAL CORPORATION COMMITMENT AGREEMENT

                                 USA TRUCK, INC.

October 21, 2002

Mr. Cliff Beckham
Chief Financial Officer
USA Truck, Inc.
3200 Industrial Park Rd.
Van Buren, AR 72956

Dear Cliff:

Fleet Capital Corporation (FCC) is pleased to present the following proposed
TRAC lease line of credit structure:

<Table>
<S>                                   <C>
LESSEE:                               USA Truck, Inc.

LESSOR:                               FCC or its assigns

EQUIPMENT:                            Approximately 130 Freightliner tractors, acceptable to Lessor.

ASSUMED DEPRECIATION:                 3 Year Modified ACRS

EQUIPMENT COST:                       Approximately $10,000,000

EQUIPMENT LOCATION:                   Lessee address

DELIVERY
AND ACCEPTANCE:                       The Equipment will be delivered and accepted for lease no earlier than
                                      finalization of lease documentation and no later than the date(s) specified under
                                      Lease Payments.

LEASE TERM:                           Forty-two (42) months

LEASE PAYMENTS:                       For equipment placed on lease between January 1, 2003 and December 31, 2003:

                                      Forty-two (42) consecutive monthly payments, each equal to the Rate
                                      Factor per $1,000 of equipment cost, payable monthly in arrears as
                                      follows:
</Table>

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<Table>
<Caption>
                                        DELIVERY           RATE            TRAC          IMPLICIT RATE
                                         MONTH            FACTOR        PERCENTAGE      (INCLUDING TRAC)
                                        --------          ------        ----------      ----------------
<S>                                                       <C>           <C>             <C>
                                          JAN             $16.34            40%               3.45%
                                          FEB             $16.31            40%               3.41%
                                          MAR             $16.29            40%               3.37%
                                          APR             $16.27            40%               3.33%
                                          MAY             $16.26            40%               3.32%
                                          JUNE            $16.24            40%               3.29%
                                          JULY            $16.18            40%               3.19%
                                          AUG             $16.15            40%               3.13%
                                          SEPT            $16.11            40%               3.08%
                                          OCT             $16.10            40%               3.06%
                                          NOV             $16.07            40%               3.00%
                                          DEC             $16.04            40%               2.95%
</Table>

<Table>
<S>                                     <C>
                                        The lease rate(s) will be subject to change depending upon the Lessor's cost of
                                        funds at the time the transaction is funded. As an example, the factors quoted
                                        herein of $16.34 per $1,000 of Equipment Cost has a lease rate of 3.45% and is
                                        based upon Lessor's three year cost of funds of 2.49%. For every change in our
                                        cost of funds (increase or decrease), an equivalent corresponding adjustment
                                        will be made to the lease rate factors.

LEASE TERMINATION:                      Lessee shall have the option to terminate the lease after the Lease Term, upon
                                        notice to the Lessor, by either selling the Equipment to an unrelated third
                                        party or returning the Equipment to the Lessor, at such site mutually acceptable
                                        to Lessor and Lessee. Lessor shall sell the Equipment within a reasonable time
                                        after such Equipment has been returned to Lessor. If the net proceeds of the
                                        sale of the Equipment initiated by the Lessee or the Lessor exceed the
                                        termination value, such excess shall be for the account of the Lessee. If the
                                        net proceeds of the sale are less than the termination value, the Lessee shall
                                        be responsible for such deficiency. Lessee shall also have the right to purchase
                                        the Equipment under the same terms and conditions as an unrelated third party.
                                        The Termination Value amount equals the TRAC stated above as a percent of the
                                        Equipment Cost.

TYPE OF LEASE:                          Lessee will pay all taxes when due and give notice to Lessor.  Net lease
                                        transaction whereby Lessee shall be responsible for the payment of all taxes
                                        (other than Lessor's income taxes), fees to secure Lessor's Equipment security
                                        position, insurance and maintenance and all other costs in connection with the
                                        Equipment, and its operation. Lessee shall provide evidence of physical damage
                                        and liability insurance with endorsements in amounts acceptable to the Lessor
                                        prior to the delivery of the Equipment.

CREDIT EXPIRATION:                      Credit approval, if granted, and acceptance of the terms outlined in this proposal
                                        shall remain in effect for the period specified under Lease Payments, but in no
                                        event, longer than one (1) year from the date of this proposal and subject to no
                                        material adverse change in the financial condition of the Lessee.

PROPOSAL
EXPIRATION DATE:                        This proposal shall remain in effect for fifteen (15) days from the date of this
                                        letter.
</Table>

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This proposal is not an agreement or commitment to lease. The Lessor's
obligation to provide the proposed structure is subject to an agreement between
Lessor and Lessee and other material terms of the proposed structure, the
obtaining of all prior approvals by Lessor, including credit committee approval,
and the review and execution of documentation mutually acceptable to Lessor and
Lessee. Our proposal is based upon current tax laws and any change in tax laws
prior to funding the Equipment which adversely affects the tax benefits
available to Lessor may require certain terms and conditions of this proposal to
be adjusted. The proposed financing is subject to the conditions that a clear
market exists for the syndication of the proposed financing and that no material
changes in governmental regulations or policies affecting the Lessee, Lessor, or
Assignee involved in this transaction occur prior to the Closing Date. FCC shall
be entitled, with the consultation of the Lessee, to readdress the pricing,
structure, or any other terms of this financing if FCC determines that such
changes are required in order to ensure a successful syndication.

If the above terms and conditions are acceptable, please acknowledge your
acceptance below and return this letter.

Thank you for the opportunity to present our proposal and we look forward to a
long and mutually beneficial relationship.

                                        Sincerely,

                                        FLEET CAPITAL CORPORATION

                                        /s/ Greg Larrick

                                        Gregory E. Larrick
                                        Vice President

AWARD ACKNOWLEDGMENT

This proposal is acceptable to us,
And this financing is awarded to
Fleet Capital Corporation.

By: /s/ Cliff Beckham
   -------------------------

Title: C F O
      ----------------------

Date: November 5, 2002
     -----------------------

                                        3<PAGE>

                                                                    EXHIBIT 4.25

                   GE CAPITAL CORPORATION COMMITMENT AGREEMENT

                                 USA TRUCK, INC.

November 19, 2002

USA Truck, Inc.
3108 Industrial Park Road
Van Buren, AR  72956

<Table>
<S>                                              <C>
TRANSACTION:                                     Tax-Oriented Lease, with Terminal Rental Adjustment Clause
                                                 (TRAC)

GUARANTOR:

LESSOR:                                          General Electric Capital Corporation or its assignee

LESSEE:                                          USA Truck, Inc.

EQUIPMENT:                                       New Tractors

EQUIPMENT LOCATION:                              East Peoria, Illinois

EQUIPMENT COST:                                  See Attached Exhibit

DEPRECIATION ASSUMPTION:                         3 year MACRS

DELIVERY ASSUMPTIONS:                            See Attached Exhibit

LAST DELIVERY DATE:                              12/30/03

BASIC TERM COMMENCEMENT DATE:                    See Attached Exhibit

BASIC TERM:                                      42 Months

RENTAL INTERVAL:                                 Monthly in Arrears

BASIC TERM RENTAL FACTORS:                       See Attached Exhibit

BASIC TERM RENT:                                 See Attached Exhibit

PROPOSAL/PRICING VALID UNTIL:                    November 26, 2002

TERMINAL RENTAL ADJUSTMENT:                      The Lease would contain provisions requiring the aggregate
                                                 rentals to be adjusted upward or downward by reference to the
                                                 net amount realized by GE Capital from the sale of the Equipment
                                                 following Lease expiration.  Specifically, if the net amount
                                                 realized is less than the TRAC Amount, Lessee would be required
                                                 to pay the shortfall to GE Capital.  If the net amount is above
                                                 the TRAC Amount, GE Capital would pay to Lessee 100% of the
                                                 excess.

TRAC AMOUNT:                                     40%
</Table>

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This proposal and the lease rate enclosed are specifically based upon the
following Terms and Conditions:

1.       PURCHASE OF EQUIPMENT: We anticipate that Lessee will submit its order
         for the Equipment to the vendor. GE Capital would then take an
         assignment of Lessee's purchase order. Such assignment would be
         conditioned upon the leasing of the Equipment by Lessee from GE
         Capital.

2.       TAX BENEFITS AND TAX QUALIFICATIONS: It is assumed that Lessor would be
         considered owner of the equipment for state and federal income tax
         purposes. It is further assumed that GE Capital will be entitled to the
         following benefits of tax ownership: 3 Year (the "Tax Benefits"). The
         rents and rental factors used in this proposal are based, in part, on
         the leased equipment being eligible for the initial year's 30% Bonus
         depreciation, in the hands of the Lessor. Should this not be the case,
         Lessor would be entitled to modify the proposal by adjusting the rents
         and rental factors accordingly. Lessee will indemnify GE Capital for
         loss of Tax Benefits due to Lessee's acts or omissions or breach of
         representation, as well as for any reduction in GE Capital's economic
         return resulting from increases in Federal income tax rates after the
         date of this proposal.

3.       NET LEASE: The Lease will be a "net lease" with the Lessee responsible
         for paying rent under all circumstances. Lessee is specifically
         responsible for all expenses, maintenance, insurance and taxes relating
         to the purchase, lease, possession and use of the equipment excluding,
         however, taxes based solely on the net income of the Lessor.

4.       MAINTENANCE AND INSURANCE: All maintenance and insurance (fire and
         theft, extended coverage and liability) are the responsibility of the
         Lessee. Lessee will be responsible for maintaining in force, property
         and liability insurance with companies in amounts and coverage's
         satisfactory to GE Capital.

5.       WARRANTIES: Lessor would lease the Equipment to Lessee on an as is
         basis. However, Lessor would assign to Lessee all warranties,
         guarantees, and services provided by the manufacturer or vendor (to the
         extent they are assignable).

6.       DOCUMENTATION: GE Capital's current standard lease documentation for
         this type of equipment will be used. Any changes to this documentation
         must be approved by GE Capital. For a multiple location transaction,
         either GE Capital's Master Lease Agreement with separate schedules for
         each location or individual leases for each location can be used
         depending on your requirements and those of the transaction.

7.       INDEXING: The Rental Amount quoted in the Proposal will be adjusted
         prior to the Term Commencement Date for each basis point change (.01%)
         change in the rate of the 3-year Treasury note yield to final maturity
         at the time of Equipment acceptance, as specified in the Federal
         Reserve statistical release H.15 site,
         www.federalreserve.gov/releases/h15/current. The benchmark for the
         3-year Treasury note applicable to the transaction is 2.11% (the
         "Benchmark rate") and was established on October 1, 2002.

8.       ELECTRONIC PAYMENTS: If Lessee chooses to elect, scheduled payments can
         be set-up with the Electronic Payment System being the Standard form of
         payment; appropriate documentation will be provided. There is no fee
         for this service and it can be terminated at any time.

9.       UPGRADES AND IMPROVEMENTS: GE Capital will consider leasing upgrades
         and improvements to the equipment throughout the lease term, depending
         upon investment and credit approval requirements at that time. Lease
         terms and rates will be determined based upon the facts and
         circumstances and tax law in effect at the time of any additional
         leasing.

This proposal constitutes only a general, non-binding expression of interest on
the part of GE Capital. THIS PROPOSAL IS SUBJECT TO GE CAPITAL'S CREDIT, LEGAL
AND INVESTMENT APPROVAL PROCESS AND IS NOT INTENDED TO, AND DOES NOT, CREATE A
LEGALLY BINDING COMMITMENT OR OBLIGATION ON THE PART OF GE CAPITAL. The creation
of such a legally binding commitment or obligation is subject to, among other
things, the completion by GE Capital of an in-depth investigation of the
proposed investment, the results of which are deemed

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satisfactory by GE Capital and the negotiation, execution and delivery of
definitive documents which shall be mutually agreed upon by all parties. IT IS
UNDERSTOOD THAT NO PARTY HERETO SHALL BE LEGALLY BOUND TO THE OTHER BY REASON OF
THIS LETTER, NOR SHALL RIGHTS, LIABILITIES OR OBLIGATIONS ARISE AS A RESULT OF
THIS LETTER.

PROPOSAL ACCEPTED:

By: USA Truck, Inc.

Name: Cliff Beckham
      ------------------------------------

Title:   CFO
      ------------------------------------

Date:    November 27, 2002
      ------------------------------------

Federal ID #: 71-0556971
             -----------------------------

Email Address:

Proposal Id: 1V3-9KV

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