BANK
Talk to your local bank and see what lease and loan rates they offer. Often smaller banks who know you may be able to provide more flexible financing than a large commercial bank who runs by the numbers.  On the other hand, established commercial banks understand small businesses and are typically better prepared to ansewer your questions. These lease institutions usually have a history of established lease processes to ensure all customers are treated fairly when leasing or financing equipment or semi trucks.

RECOMMENDATIONS
Talk to other truckers and get feedback on their experiences and who they have financed there semi truck with successfully. We have partnered with DIRECT CAPITAL CORPORATION, a leader in on-line lending who is fully capable of providing a large variety of truck and trailer, equipment and commercial financing. It is important to perform some due diligence to see which leasing or financing company suits your situation.

CREDIT REPORT
It is also crucial that you understand your credit rating and the impact this may have on your rates. Get a copy of your free credit file disclosure, commonly called a credit report. ANNUAL CREDIT REPORT.com is a central site allows you to request a free credit file disclosure, commonly called a credit report, once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion.

FINANCE SUMMARY
The goal of financing is to provide you with stable equipment or semi truck, allowing you to earn, save and pay it off to become debt free. If your deal does not help you do this, you may want to shop some more. If a deal sounds too good to eb true it probably is. If you do not understand completely the contract, ask and get answers before committting to it. Your business and life are too important to be left to misunderstandings.