- 11S204 Jeans Rd. Ste. T, Lemont, IL 60439
- Mon-Fri 8:00am - 4:00pm
Home/Financing
Owner-operator and fleet financing built for trucking. Quick applications, real decisions in 24 hours, terms that actually fit how you run your business.
At A Glance
Most applications get a credit decision back the next business day.
First-time buyers and CDL-A drivers welcome. We work with all credit profiles.
Programs
We work with multiple lending partners so we can match the right financing structure to your situation — not the other way around.
For drivers buying their first or next truck. Designed around CDL holders with steady work history and a clean record.
For carriers adding a second, third, or fifth unit. Structured around business cash flow and existing fleet performance.
Past hiccup on your credit? We work with lenders who look at the whole picture — work history, time in trucking, and real-world ability to pay.
Apply In Minutes
This short form gives us enough to run a soft credit check and come back with a real number. No commitment, no impact to your score on the soft pull.
How It Works
Fill out the short form above or call us. We'll run a soft pull — no impact to your credit score.
We pair your profile with the lender most likely to approve at the best rate for your situation.
You'll get a decision back — usually within one business day — with terms in writing, no fine print games.
Sign at the lot, take delivery, and roll. We handle the title, registration, and all the paperwork.
FAQ
Quick answers to the things buyers ask most often. If yours isn't here, just call.
No. The initial pre-qualification uses a soft credit pull, which has zero impact on your score. A hard pull only happens later if you choose to move forward with a specific lender — and only with your written authorization.
There's no single cutoff. We work with multiple lenders covering excellent, good, fair, and challenged credit. Lower scores typically mean a higher down payment or shorter term, but approvals are common across the board — especially for buyers with steady time in trucking.
Yes. Several of our lender partners specifically work with first-time owner-operators. A clean CDL-A, a few months of verifiable driving history, and a reasonable down payment is usually enough to get started.
Programs start at 10% down for qualified buyers, with some pathways at 5%. Higher down payments (20%+) typically get better rates and faster approvals, especially on credit-rebuild profiles.
Yes — dry vans, reefers, box trucks, and cab-and-chassis units all qualify. Trailer financing usually has shorter terms (36–48 months) than truck financing.
Absolutely. Bring your unit by the lot or send us photos and details. We'll give you a real same-day appraisal that we'll honor at signing — no last-minute reductions.
Once approved and signed, most buyers drive away within 24–72 hours, depending on registration timing in your state. Out-of-state buyers can typically be on the road within a week.
