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Practical notes on financing trucks, trailers and cash flow.

Box truck financing requirements for small fleets

The business, the bank statements, the truck and the work it will do: what a funding partner reads on a box truck request, written…
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Can you finance a commercial trailer without a tractor?

Yes — a trailer is a titled asset and can be financed on its own. What changes is the structure: standalone or bundled with…
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What documents do you need to buy a truck from a private seller?

A title in the seller’s name, a written payoff if there is a loan, a signed bill of sale, photo ID and a VIN…
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What can delay a truck financing approval?

Most stalled deals are not declined — they are waiting on something. The usual culprits, from mismatched names to a missing payoff letter, and…
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Financing a mini excavator or skid steer: what lenders look at

Compact machines are some of the easier equipment to finance — when the quote, the serial number and the business file line up. Here…
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How age and mileage change your used truck options

A truck with miles on it is normal here. What age and mileage change is which lenders look, how the term is shaped, and…
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How much down payment do you need for a semi truck?

There is no single number, and anyone who gives you one before seeing the deal is guessing. Here is what actually moves the figure…
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What lenders actually review on a semi truck deal

Four things decide a semi truck approval: the business, the owner, the cash flow and the truck itself. Here is what sits behind each…
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The documents lenders actually want to see

Most funding delays are documentation delays. The short list lenders ask for, why they ask, and how to have it ready before you apply.
Read more: The documents lenders actually want to see