— 01
Lender Matching
Different lenders fund different credit profiles. We know which lender funds 580 FICO startups, which handles second-chance, which prefers established fleets.
Trucks, trailers, reefers — financed in 48 hours. We broker your file across the lender network most likely to fund. Startup-friendly, second-chance, no-money-down options for qualified buyers.
Different lenders fund different credit profiles. We know which lender funds 580 FICO startups, which handles second-chance, which prefers established fleets.
How your file is presented changes approval odds dramatically. We package financials, business plans, and credit narratives to maximize approval and rate.
We don't stop at the first 'yes.' We shop your file across 3-5 qualifying lenders to lock the lowest rate possible.
New trucking company with no operating history? We have lenders with first-time-buyer programs as low as 10% down.
Soft-pull credit check (no impact). We confirm what programs you qualify for in 30 minutes.
You pick the truck/trailer. We help you avoid overpriced dealers.
We submit to 3-5 qualifying lenders simultaneously. Best rate wins.
Approval in 48 hours. Funding to dealer in 5-10 days. Truck on the road within 2 weeks.
"I have a fleet of 5 Dry Van Rigs. Working with ATC, I've seen a huge arc in my income. Aamir Ranjha is professional and a great problem solver with unmatched experience in trucking. Always recommend them."
We have lenders for every credit tier. Best rates start around 680. We have programs for 580+ with reasonable down payment, and specialty lenders for 500-580 with story-based underwriting.
Ranges from 0% (qualified buyers) to 25% (challenged credit). Average is 10-15% for most owner-operators.
Yes. We finance trucks up to 10-12 years old depending on lender. Sleeper, day cab, regional, OTR — all welcome.
Yes — we have first-time-buyer programs. Typically requires 10-15% down, valid CDL with experience, and decent personal credit.
Free 15-minute consultation. Quote within 1 business hour. No obligation.