Independent operators who run their own authority, drive their own truck, and build their own business. We work with lenders who understand owner-operator economics and the trucking lifestyle.
Initial application is intended for matching. If a lender needs a hard credit pull, you will be notified first.
Getting your authority and buying your first truck. CDL, a down payment, and a solid plan are your foundation. We work with day-one operators.
Experienced operators upgrading from older, high-mileage trucks to more reliable units for their operation.
Growing your fleet by adding additional trucks. Commercial lenders who understand small fleet expansion.
Owner-operators completing lease-purchase agreements and financing the buyout of their current truck.
Just got your CDL and ready to run your own authority. We work with first-timers who are serious about the business.
Established owner-operators with freight history looking to upgrade equipment or expand their operation.
Drivers leased on with carriers who want to transition to independent owner-operator status with their own truck.
Owner-operators growing from 1 to 3 trucks. Building a small fleet with lenders who understand the growth stage.
Name, phone, credit range, and the unit you want. No hard pull at this stage.
Commercial lenders who understand your equipment type and business situation.
Most approvals happen within minutes to a few hours. We move fast so you don't lose the unit.
Once approved, move on the unit before another buyer does. Quality commercial equipment moves fast.
We work with buyers across the full credit spectrum. Down payment, income, and the equipment itself all factor into the decision alongside your credit score.
Programs vary by lender. Some options available with little to no money down. A larger down payment improves your rate and approval speed.
Startup operators and new LLCs accepted by multiple lenders in our network. Come with your situation and we will find the fit.
Find current inventory on Torque Hub and apply when you find the right unit.
Yes. Some lenders specialize in first-time owner-operators. CDL plus a down payment is a viable path.
Not always. Some programs allow financing before authority is established. Requirements vary by lender.
Yes. Lease-on operators with established relationships can often access financing based on their freight contract history.
Owner-operators typically need 10-20% down depending on credit and experience. More down opens more options.
Most approvals within a few hours for standard commercial truck financing. Larger Class 8 loans may take one business day.
Get financing lined up and move on the right unit. Takes less than 2 minutes.
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