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Truck drivers and members of the long-haul transportation industry keep our economy moving. Can you imagine a world without truck drivers? How would we receive our goods and products? At Exponential Commercial Finance, we understand the importance and significance of this industry, and that is why we have a program geared for first-time owner-operators that would like to branch out on their own in the trucking and long-haul transportation industry.

Owner Operator Truck Financing Program

This program is a simple, fast, application-only program that is geared toward first-time owner-operators. Whether or not you have challenged credit, our program offers same-day approvals, early payoff options, fee financing, and no additional collateral required.

Program Guidelines

  • Financing from $10,000 to $55,000
  • Class 8 tractors 2015 or newer (less than 700,000 miles)
  • Class 6 tractors 2015 or newer (less than 250,000 miles)
  • Trailers 2015 or newer
  • Reefer Trailers 2015 or newer (less than 15,000 hours)
  • Minimum 25-percent down payment (trade-ins accepted)
  • First-time owners are eligible
  • No minimum credit score (past bankruptcy, derogatory credit history, and foreclosures will not disqualify)
  • Must have a commercial driver’s license (New CDL is Okay)