Asset-Based A-D Credit

Request funding for your business, commercial equipment or real estate. No obligation or request a free quote.

Start-Up & Owner Operator Truck Loans

No matter the status of your credit; new credit, no credit, bad credit, or even if you are an owner operator who wants to buy the first owner-operated vehicle for your fleet – we will support you.

List of trucks and engine overhaul funding options, including but not limited to:

  • Backhoes
  • Bulldozers
  • Bobcats
  • Boom Sweepers
  • Car Haulers
  • Cranes
  • Back Hoe Loans
  • Dry Van Trailers
  • Dump Trucks
  • Evacuators
  • Flatbed Truck
  • Food Trucks
  • Front Loader Loans
  • Garbage Trucks
  • Heavy Equipment
  • Hot Shot Trailer Truck
  • Lowboys
  • Loaders
  • Motor Graders
  • Construction Equipment Loans
  • Milling Machines
  • Reefer Trailers
  • Sprinter Trucks
  • Skid Steer Loans
  • Boom Truck Loans
  • Flatbed Tow Truck Loans

Owner-Operator Business Truck Financing

Through our Owner-Operator Truck Financing program, Nationwide Owner-Operators are offered Class 6 to Class 8 truck and reefer trailer financing. We understand and appreciate the opportunities drivers have by becoming owners of the equipment they operate, in addition to other challenges obtaining fund. BS&S has created an application-only program to meet the needs of these business owners a net funding between $10,000 – $40,000 with as little as 10% down.

  • Start-Up Friendly
  • Same-Day Approvals
  • All Fees Financed
  • No Additional Collateral Required
  • No Pre-Payoff Penalty after 12 Months

Deal Guidelines

  • $10,000-$40,000 to Seller (net funding)
  • 2008 or newer Class 6 Box Trucks (under 200,000 miles)
  • 2008 or newer Class 8 Tractors (700,000 miles or less)
  • 2011 or newer Reefer Trailers (15,000 hours or less)
  • Minimum 25% down payment (Trade-In Credit is Welcome)
  • First-Time Owners are Welcome
  • NO Additional Collateral Required
  • No Minimum FICO Required
  • Past Bankruptcy, Derogatory Credit History, & Foreclosures are Welcome

Deal “Killers” Non-Starters

  • Current Bankruptcy
  • Child Support Issues
  • Private-Party Sales
  • Mercedes Engine
  • Tax liens > $10,000
  • Auto Repossession or Charge-offs

What We Need To Get You A Fast Decision


Equipment Funding Request


Credit Bureau (Consumer Tri-merge Credit: All 3 Credit Scores)


Dealer Invoice, Quote, or Bill of Sale (Including Price & VIN)


Detailed Vehicle Specs (Including Make, Model, Mileage, Engine & Transmission)

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