Ten Four Funding is built for owner-operators and small fleets. We broker the best financing deals so you stay on the road — not buried in paperwork.
Whether you're buying your first truck or refinancing your fleet, we work the phones so you don't have to.
Ready to add to your fleet? We connect you with lenders who specialize in commercial trucking — no runaround, no delays.
Locked into a high-rate loan? We'll shop your current deal and find you something better — putting more money back in your pocket every month.
Less-than-perfect credit? We have lenders who understand the trucking business and fund deals that banks turn away.
Done leasing and ready to own outright? We'll structure a buyout that gets you out of the lease cycle and into real equity — on your terms.
We specialize in owner-operators and small fleet owners running up to 20 vehicles. You're the backbone of American freight — you deserve a lender that treats you that way.
Just you and your truck. We help you own your equipment outright and build toward the fleet you want.
Growing your operation? We can finance one truck or an entire fleet expansion with streamlined paperwork.
Done leasing and ready to own? We'll get you out of the lease cycle and into real equity.
*Example only. Terms vary by credit profile and lender.
No jargon, no runaround. Just a straight shot from application to keys in hand.
Fill out our short application in about 5 minutes. We'll ask about you, your business, and the equipment you need.
We submit your file to our network of commercial trucking lenders to find your best rate and terms.
We present you with clear options. You pick the deal that fits your budget. No pressure, no surprises.
Paperwork done, keys in hand. Most deals close within 48–72 hours of approval. Time to roll.
As a broker, we represent you — not the bank. That means we fight to get you the best terms possible.
We only work in commercial trucking and heavy equipment. We know the industry, the lenders, and how to structure deals that get approved.
We're paid by the lender at closing — not by you. Our consultation is completely free and there's no cost to apply.
Walking into one bank gives you one option. As a broker, we shop your deal across multiple commercial lenders to find the best fit for your situation.
We move at truck-stop speed, not bank speed. Most applications get a decision within 24–48 hours.
We work with lenders who understand that truckers often have unique financial histories. We find a way when banks say no.
We'll tell you upfront what you qualify for and what to expect. No bait-and-switch, no hidden terms. Just honest financing.
Ten-four. Let's make it happen. Apply in minutes, get funded in days.
Ready to apply or just have questions? Reach out — we respond fast.
tenfourfunding.com
Serving owner-operators & fleets nationwide