208-534-8525

Owner-operator truck financing — from your first truck to a multi-truck fleet.

Built for the driver going independent. The owner-op upgrading from a used Cascadia to a new Peterbilt. The two-truck operation adding a third. The driver with a balloon payment coming due. We've funded all of it. A real person picks up the phone.

Call: 208-534-8525

A real person answers the phone. In about three minutes you'll know if we can help.

Who we fund

Different owner-ops, different deals — same lender panel, same five-day funding cycle on app-only files.

First-time owner-operators

Drivers going independent from a company seat. Strong personal credit, meaningful down payment, the truck picked out. Expect 15-25% down on a used Class 8 if you're sub-2 years in business. We have programs built for the first-truck deal.

Established owner-ops upgrading

Two to ten years driving your own truck and ready for the next one — newer Cascadia, longer-spec Peterbilt, your first Kenworth. App-only funding in 3-5 days on most files. Wrap your trade-in payoff into the new deal.

Multi-truck owner-op fleets

Adding truck #3, #5, #10. App-only fleet expansion up to a certain size; beyond that, full-financials deals that fund in 7-14 days. We know how to structure around your loads, drivers, and contracts.

Balloon-payment refinance

4-5 years into a 5-year truck loan with a $30K-$50K balloon coming due. We refinance the balloon outside your original lender and structure a clean 3-5 year payback. Sometimes wrap in a second truck purchase.

Used truck deals

Used Cascadia, Peterbilt 579, Kenworth T680, Volvo VNL, Mack Anthem, International LT. Trucks outside the dealer finance company's age and miles limits. Auction buyouts, dealer lots, fleet trade-ins, private sellers — all fund.

Prior BK and credit-challenged

Discharged BK with 12-24 months of clean credit behavior. 20-30% down on a used truck typically. The story matters — what the BK was, why it happened, what's different now. We walk through your file before pulling credit.

How an owner-op truck deal actually closes

  1. Five-minute phone call. Tell us about the truck, your driving history, credit picture, down payment, and what you're trying to accomplish. Spencer or one of his account managers picks up. No bot, no overseas call center.
  2. We tell you the deal on the phone. What credit tier we'd fund it at, expected down payment, expected monthly payment. No surprises in writing later.
  3. Application + credit pull. 15-minute app online or by phone. Hard pull only when you say go.
  4. Underwriting + approval in 24-72 hours. We package the deal to the right lender on our panel. Most app-only deals approve same day or next day.
  5. Stipulations + insurance. Insurance binder, last 30 days of paystubs or settlements, signed documents. Funded direct to the dealer or private seller.
  6. You drive the truck. Most deals complete in 3-5 business days from a complete app. Balloon refinance and multi-truck deals run 5-10 days.

What separates TAC from the bank or the dealer's finance company

TAC Your bank Dealer finance company
First-time owner-op deals Yes — built-in program Rare Strong-credit only
Used truck age limit Flexible — older trucks fund Usually 5-7 years max Brand-specific, varies
Prior BK fundable Yes, with structure No No
Balloon refinance Routine product Refer out Brand-locked
Decision time Same day to 3 days 2-4 weeks Same day on prime only
Who answers the phone Real person, your AM Loan officer voicemail Finance manager — when on lot

Trucks we finance for owner-ops

Class 8 sleeper

Freightliner Cascadia, Peterbilt 579/389, Kenworth T680/W900, Volvo VNL, Mack Anthem, International LT. New and used.

Class 8 day cab

For local and regional work — port drayage, intermodal, dedicated lanes, dump-and-hook freight.

Trailers

Dry vans, reefers, flatbeds, step decks, drop decks. Fund alongside the tractor in one transaction.

Refrigerated

Cold-chain owner-ops running broker freight or dedicated reefer lanes. See reefer trailer financing →

Specialty

Hot shot, heavy haul, oilfield service trucks. Owner-op operating with specialty equipment qualifies the same way.

Tow / wrecker

Owner-op wrecker operations. See tow truck financing →

Tell us about your deal — we'll call you back today.

A real person picks up the phone. In about three minutes you'll know if we can help.

Or call 208-534-8525 directly · A real person picks up

Ready to talk about your owner-op deal?

Call 208-534-8525 · A real person picks up
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Owner-operator truck financing in every state

Same lender panel, same first-time-owner-op programs, same balloon-refinance structures — applied to your state's freight lanes, dealer network, and driver pool. Click your state for local context.