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Bad and Poor Semi Truck, Big Rig, Tractor Semi, Semi Sleeper and Over the Road Truck Conventional Financing

Bad and Poor Semi Truck, Big Rig, Tractor Semi, Semi Sleeper and Over the Road Truck Conventional Financing


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Home Page > Finance > Loans > Bad and Poor Semi Truck, Big Rig, Tractor Semi, Semi Sleeper and Over the Road Truck Conventional Financing

Bad and Poor Semi Truck, Big Rig, Tractor Semi, Semi Sleeper and Over the Road Truck Conventional Financing

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Bad and Poor Semi Truck, Big Rig, Tractor Semi, Semi Sleeper and Over the Road Truck Conventional Financing

By: Rick Reiff

About the Author

Rick is a broker and has numerous financial experience in the accounting and finance   He works with various semi truck, tractor semi, and  big rig lenders through out the U.S .

U. S Corporate Capital Leasing assists the start up and seasoned business for all its truck acquistion and financing needs.

http://www.cclgequipmentleasing.com/semi_trucks.htm

http://www.cclgequipmentleasing.com/trader.htm

 

(ArticlesBase SC #3666937)

Article Source: http://www.articlesbase.com/Bad and Poor Semi Truck, Big Rig, Tractor Semi, Semi Sleeper and Over the Road Truck Conventional Financing





Not many owner operators know there are many bad and poor credit conventional financing programs for semi trucks, big rigs, tractor semi, semi sleeper opportunities available from dealers/lenders. These semi trucks, big rigs are available like any other leases with approximately 30% to 50% due upfront as a down payment. This creates a tremendous buying opportunity for the owner operator with a good driving history but poor credit history. The dealer/lender is more interested in the owner operators references, personal and business, than his past credit. They want to see whom he is leased on with or how he will derive his future income with his new acquisition.

There are many alternatives in obtaining semi truck financing. Whether you are a start up or a seasoned business, the first logical place to investigate your financing is at your local bank. This may be a pleasurable experience if you have many contacts at your bank but most people usually don’t have these types of connections.

The seasoned or fleet operator must have at least mid 600s on their credit scores and be prepared to go through a long paper process. Prior year tax returns are required, current personal financial statements needed, interim financial statements and other banking information pertaining to your business and personal bank balances are required.

The start up business must have a credit score properly 680 or higher and will have a much smaller success rate in obtaining bank financing. The business start up is a much higher risk factor and must adhere to tougher lending standards than the seasoned or fleet operator.  .

The types of semi trucks we are talking about are Freightliners, Internationals, Kenworths, Mack, Peterbilts and Volvos.  The years manufactured are from 1999 to 2006.  There is a good selection of makes and models and gives the owner operator a buying opportunity. This program applies for start ups as seasoned businesses…

The application process is quite simple and the dealership has a vested interest in getting to know you and your driving history. The process of obtaining a semi truck is no different than any other type financing vehicle.

 Happy hunting for you semi truck, big rig, semi sleeper and tractor semi acquistion and its related financing.

 

 CHECK OUT THIS SPECIAL CONVENTIONAL FINANCING FOR CUSTOMERS WITH POOR AND BAD CREDIT

Our Easy Qualify Semi Truck Conventional Financing Credit Program:

  YOU PICK OUT YOUR SEMI TRUCK ..MAXIMUM FINANCING $35,000

  SEMI TRUCK, BIG RIG, SLEEPER TRUCK 2005 OR NEWER

 

Prior Bankruptcy Ok
First Time Owner Operator Ok
Little Driving Experience Ok
Low Fico Score Ok
Past Credit Problems  Ok

 

The lender can overcome all these credit deficiencies with good down payments or additional collateral. (*additional collateral = Title’s to trucks or trailers owned free and clear) For difficult credits, we look for 30-50% down – The larger the down payment, the easier the approval. 

 

What the lender needs to get you a quick response:

Any standard credit application
.Spec. sheet including full vin. number and ecm mileage
 Price of the truck, include tax and license if applicable
Copy of customer’s drivers license

 

How the lender process works on approved applications:

1. You submit a customer
2. We will fax you a proposal outlining the terms – Generally within 1 hour
3. You send us an invoice
4. We email you a set of loan documents – same day
5. We will fund you the same day that we get back signed documents and insurance.
6. With the applicants cooperation we can finish a deal in two business day. Our goal is to get you funded as quickly as possible.

Trailer Financing:

We can finance trailers in two ways. either with 50% down payment or with ~20% down payment but with the title to a Truck as additional collateral. The customer must have title, to a 2003 Truck or newer, owned free and clear that they can pledge as collateral.

 

Lender Conventional Financing Limitations:

$35,000 Max fund amount
Applicants with large outstanding tax liens ($10,000+)
More than $15,000 in outstanding credit card debt
Currently in Bankruptcy, if discharged – OK
 ·  Repossessions on credit report

 

 

 

Retrieved from “http://www.articlesbase.com/loans-articles/bad-and-poor-semi-truck-big-rig-tractor-semi-semi-sleeper-and-over-the-road-truck-conventional-financing-3666937.html

(ArticlesBase SC #3666937)

Rick Reiff
About the Author:

Rick is a broker and has numerous financial experience in the accounting and finance   He works with various semi truck, tractor semi, and  big rig lenders through out the U.S .

U. S Corporate Capital Leasing assists the start up and seasoned business for all its truck acquistion and financing needs.

http://www.cclgequipmentleasing.com/semi_trucks.htm

http://www.cclgequipmentleasing.com/trader.htm

 

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Article Tags:
semi financing, tractor semi financing, semi sleeper financing, big rig finance, poor credit truck financing, bad credit truck financing, truck financing, truck finance, over the road finance, financing a semi, financing a tractor semi, trucks financing

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Not many owner operators know there are many bad and poor credit conventional financing programs for semi trucks, big rigs, tractor semi, semi sleeper opportunities available from dealers/lenders. These semi trucks, big rigs are available like any other leases with approximately 30% to 50% due upfront as a down payment. This creates a tremendous buying opportunity for the owner operator with a good driving history but poor credit history. The dealer/lender is more interested in the owner operat

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