Owner Operator Financing


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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. We also specialize in financing services for construction equipmenttransportation equipment, and more.

Our underwriters look at several different factors prior to issuing an approval for your semi-truck financing — your credit score, length as an 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.

Volatile economic conditions effect everyone; including people who are in the trucking business. Some of the effects res ult 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 credit 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. Our commercial truck financing pros will promptly review your message and will contact you to better assist you with your needs.

10-4 Financing is proud to offer a number of advantages when compared to other truck finance specialists, including:

  • Application-Only Programs
  • Low Down Payments
  • Competitive Rates
  • Same Day Approvals

We look forward to working with you to serve your business! Contact us online or fill out the form to pre-qualify!

Steps in 10-4 Financing process


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Pre-qualify quickly and easily with our online forms, pay a low down payment, and choose your dealership anywhere in the US. We’ll be with you every step of the way!

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We have strategic partnerships with the country’s best truck dealerships and leading industry lenders. Our specialists hand pick great deals and feature the trucks on our Inventory Page.

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We can pre-qualify you and provide you with advice on what type of trucks you should be looking for. Soft credit pull, no credit ding!

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