Selling trucks and trailers is your specialty and we appreciate the products and services you offer to this industry. We have been able to form strategic partnerships with dealerships across the country by offering to finance to their customers.

Selling trucks and trailers is your specialty, and we appreciate the products and services you offer to this industry. We have been able to form strategic partnerships with dealerships across the country by offering semi truck financing to their customers.

We are also looking for dealers we can partner with to send qualified pre-approved customers who need to find a good truck.

We can help you finance your 700 FICO Owner Operator, but if that’s all we could do, we could not continue to be in business. Where we can actually really help you is with your subprime applicants, specifically, guys with FICOs 650 and under.

Subprime lending is a large industry with lots of players out there, but one of the things that makes us different is our ability to review your application in under two hours.

How can we do that?

We pull credit in-house through our quality process and are able to quickly look at the factors that determine whether or not the applicant is approvable:

  • FICO Score
  • Renter vs Homeowner
  • Start up vs Owner Operator vs Fleet Owner

  • Buying Truck vs Buying Trailer
  • Age and Mileage/Hours on Equipment
  • Down Payment Availability

Based on where the applicants score in each of the categories, 10-4 Financing determines which one of our programs will most likely provide the applicant with the most optimal approval.

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Not all subprime programs are the same, but because we can partner up with most lenders in the industry, we can provide them all to you in ONE PLACE:

  • No Equipment Age Minimum
  • Mileage up to 800,000
  • No FICO Minimums

  • No Driving Experience Minimums
  • Trucks and Trailers
  • $0 down payments available

If you are currently having a hard time closing your subprime applicants, send them our way and we will give it our best shot! Our truck financing specialists are honest, reliable, and ready to benefit your business. Contact us today or fill out the form below to begin your commercial truck financing process!


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