Owner-operators understand the freedom and financial rewards that come from driving your own truck. You may be looking to upgrade your current truck, buy an additional unit, or finance a trailer. 10-4 Financing can assist you with every one of those needs and we have some of the most competitive semi truck financing rates in the industry to make sure that you are satisfied with your purchase.

Our underwriters look at several different factors prior to issuing an approval; your credit score, length as owner-operator, and financial position. For customers with good credit scores, we are able to issue approvals with rates as low as 9% and $0 down payments.

The Great Recession affected a large portion of the US population, including people who are in the trucking business. Some of the effects resulted in damaged personal and business credit, home foreclosures, and recent bankruptcies. What separates 10-4 Financing from traditional banking institutions is our ability to look past your credit issues and evaluate your business for what it really is. We are able to offer approvals for owner-operators with bad credits and past bankruptcies.

We love working with owner-operators. Your industry experience allows you to know exactly what you need and makes it easier for us to serve your needs. If you are looking to upgrade or purchase additional equipment, please contact us today. We will promptly review your message and will contact you to better assist you with your needs.

  • Application-Only Programs
  • Low Down Payments
  • Competitive Rates
  • Approvals within 24 Hours
  • We look forward to working with you to serve your business!