These days, drivers trying to build a career in the trucking industry have a wide range of options for how to best finance their plans and achieve their goals. With so many companies offering truck finance loans, it’s essential to find a lender that has your best interests at heart. Financing a truck depends on a wide range of factors for success, including your credit history, available down payment, the vehicle itself, and so on. You need to finance your truck, but have a lot of questions about how to proceed to ensure the best results for your future.

10-4 Financing, LLC is here to serve as your premier financial specialists for trucks, trailers, and more. We’re here to offer versatile truck loans that go beyond your credit score and offer a diverse range of options to ensure an ideal fit for each driver.

Today, we’ll begin to discuss a few additional frequently asked questions not covered on the website. If you’re ready to see how fast and affordable our trucking loans can be, be sure to contact us online!

Do you offer financing for trailers?

Yes! As part of our commitment to delivering the best results to commercial drivers, 10-4 Financing is proud to offer ideal truck financing for trailers to start-ups, owner-operators, subprime borrowers, and more. You can rely on our high-quality financing, proactive partnerships, and expansively available inventory to find the best flatbeds, dry vans, reefer units, car haulers, oil tankers, step deck trailers, and more. Browse our trailers online, and be sure to contact us to apply for your truck financing!

What is a Class 8 truck?

Any vehicle that exceeds a gross vehicle weight rating (GVWR) of 33,000 pounds will fall under the envelope of Class 8 vehicles. Oftentimes, semi trucks carrying huge loads rely on five axles, as extra support is needed. A wide range of vehicles fall under the Class 8 envelope, including dump trucks, concrete trucks, and more.

Do you offer Class 8 truck financing?

10-4 Financing, LLC is proud to offer truck loans of all types, and we have both the inventory and expertise needed to set you up for success. Our team has the experience and high-quality connections needed to offer versatile, affordable truck financing for trucks, trailers, accessories, and more!

Can I receive a loan for a truck I find?

Yes. As long as the vehicle you have chosen fits our guidelines, the 10-4 team will be able to provide fast, affordable approvals with ideal terms. We work hard to ensure we only work with the most reputable dealers, and will need to ensure your vehicle is from a quality source. We also offer truck financing for private party sales, provided all paperwork, inspections, and the title are free and clear.

Do you offer subprime truck loans?

Yes! Our challenged credit program offers unmatched results through our subprime truck financing. If you’ve faced financial problems in the past, the flexibility and support offered by this program helps to rebuild your credit and get you on the road to success. Drivers with a FICO of at least 500 and three years of CDL experience can qualify for fast, advantageous offers that truly focus on affordability (20.9% max rates). Learn more about our subprime financing for semi trucks before contacting us to learn more!

Can I get a business line of credit through 10-4 Financing?

Yes. Our team offers advantageous loans for semi trucks, but we also offer other financing options to increase your working capital. Our customers can access between $500 and $100,000 based on their unique financial profiles. Instead of going after a one-time trucking loan, you can open a line of financing similar to a credit card, offering the ideal level of flexibility, control, and affordability!

Do you offer truck factoring?

Yes! As part of our commitment to providing the best truck financing solutions to our customers, we have developed a factoring program to free up your cash flow. As your factoring partner, 10-4 Financing will buy your invoices and advance you 85-97% of their value, typically within 24 hours. You can manage your money with confidence knowing you now have enough free capital to take care of business fast, including financing for fuel, insurance, permits, and more.

If you’re ready to expand your business, learn more about our truck factoring before contacting us online today!

Ready to Get Started?

Next time, we’ll conclude this discussion by highlighting a few more frequently asked questions about our truck finance programs. 10-4 Financing is here to provide premier loans for trucks and trailers across the country, partnering with dealers and finance specialists to offer a diverse range of results for each of our customers. If you’re ready to get started, feel free to contact us online or fill out our application form!