USCCLG

U.S. Corporate Capital Leasing Group Inc.

Obtaining Semi Trucks, Big Rigs and Over the Road Trucks For Sale With
Financing

There are many alternatives in obtaining semi trucks, big rig trucks and over
the road trucks for sale with financing. Whether you are a start up or a
seasoned business, the first logical place to investigate your financing is at
your local bank. This may be a pleasurable experience if you have many
contacts at your bank but most people usually don't have these types of
connections. The seasoned or fleet operator must have at least mid 600s on
their credit scores and be prepared to go through a long paper process. Prior
year tax returns are required, current personal financial statements needed,
interim financial statements and other banking information pertaining to
your business and personal bank balances are required.

The start up business must have a credit score properly 680 or higher and
will have a much smaller success rate in obtaining bank financing. The
business start up is a much higher risk factor and must adhere to tougher
lending standards than the seasoned or fleet operator. Additionally, the
lender may require that the prospect borrower be incorporated prior to
document submission.

Most banks offer loan and/or lease programs. The difference is that the loan
program transfers title at the end of the payment obligation, whereas the
leasing component offers a rent type environment during the course of the
lease with a buy out option at the end of the lease period to take title.
Usually, the monies required upfront to acquire a loan are higher and
eliminates many candidates. The Leasing arena requires anywhere from
usually first and last payment to approximately 30% down of the acquisition
cost depending on the applicant and the risk factors determined by the
lender. As the economy has become weaker and the risk factors have
become higher, it isn’t uncommon to see up to a 30% down payment
required on a start up situation. Additionally, some lenders will not finance
an over the road truck that is over five years old as well. The standard for
others may be ten years. Other niche lenders may require lower credit
scores, such as 550-650 but their interest rates may range between 20-40%
depending upon the application’s time in business and personal credit
scores.. Once again, the front money can vary from lender to lender.
On the loan and lease programs for a semi truck applicant, the borrower
must investigate whether the bank and/or financial institution considers this
a qualified asset which they will lend on. Most lenders don’t like this type of
asset, they consider it high risk and would prefer to lend on more traditional
type assets like bulldozers, dump trucks, excavators etc. Other niche lenders
specialize in other industries such as transportation only which may include
limos, limo buses, ambulances and over the road trucks as described here.
Loans and leases usually run anywhere between 36 -60 months based upon
the age of the semi truck.

The semi truck applicant is seeking a relationship with the lender no matter
whether it is a start up or seasoned business. The front money to commence
the lending vehicle, the monthly payments and the buyout clauses at the
end of the lending instrument, if there is one, is paramount in making a
prudent business decision. The amount of paperwork and hoops to jump
through to get to end of the financing process must be considered in the
total evaluation process.

As we discussed above, there can be a long drawn out paperwork process to

obtain your financing. Recently, some of the lenders have changed their
computer qualification models and require application only programs This
means that there are no income tax returns required, time consuming
personal financial statements needed, and other key documents either
prepared and /or requested. This program is usually geared for the seasoned
or fleet operator business but there are also start ups programs available
from some lenders. These application only lending programs run as high as
$250,000 for available financing. It is important for the semi truck applicant
to check out all the lending programs available. The collateral on a financing
deal is usually the over the road truck acquisition, additional collateral isn’t
required but may be looked at for weaker applicants. The minimum credit
score required for all semi truck applicants may run as low as 575 if there
are off lease and repos available.

The last thing you should be aware of is dealer/financing inventory

programs. What this means, the lender has repos and/of a off lease
inventories that they want to move for cash flow purposes. This financing
arrangement is geared to the start up as well as seasoned business and may
offer the over the truck applicant an excellent buying and financing
opportunity. Some programs offer as little as first payment only to get the
owner operator into the deal. Check around and see what is available. It
could save you thousands..
When you are shopping for an over the road truck financing, consider the
following, the front money, the monthly payments, what collateral is
required, the insurance coverage, and what the buyout clauses mean. Also,
make sure you have a good source of income coming from a contract and/or
other methods to support your debt financing and gasoline costs.

Happy hunting for your over the road truck and its related financing.....

www.cclgequipmentleasing.com/semitrucks.htm

CHECK OUT SPECIAL LEASING PROGRAMS BELOW FOR

SUBPAR CREDIT, CLICK ON LINK BELOW

http://www.scribd.com/doc/24707794/Semi-Trucks-Big-Rigs-Over-the-
Road-Trucks-Tractor-Semis-Work-Trucks-Financing-Programs-Update-Used-
and-New

CHECK OUT THESE SPECIALS BELOW. CALL FOR DETAILS AT 800-760-6863

2005 KENWORTH T600..LOCATION.. FLORIDA…

SALES PRICE..$44,995.. SPECIAL FINANCING AVAILABLE

86" Studio Sleeper; C15 Caterpillar Engine 475 hp; Diesel; 575,000 Miles; 10 Spd OD; Engine Brake; Air
Ride Suspension; 3.55 Ratio; 24.5 Tires; All Aluminum Wheels; 256" WB; Tandem Axle; 12,000 # FA;
40,000 # RA
2004 KENWORTH T2000.. ..LOCATION.. PA ..

SALES PRICE…$36,000, SPECIAL FINANCING AVAILABLE

75" Aerodyne Sleeper; C15 Caterpillar Engine 475 hp; Diesel; 545,000 Miles; 13 Spd OD; Engine Brake;
3.55 Ratio; All Aluminum Wheels; 12,000 # FA; 40,000 # RA
2003 KENWORTH T600B.. LOCATION.. NEW JERSEY..

SALES PRICE…$35,000 .. SPECIAL FINANCING AVAILABLE

72" Sleeper; C15 Caterpillar Engine 475 hp; Diesel; 593,000 Miles; 13 Spd OD; Engine Brake; Air Ride
Suspension; 3.55 Ratio; 22.5LP Tires; Aluminum Wheels; 235" WB; Tandem Axle; 12,000 # FA; 40,000 #
RA
2002 FREIGHTLINER CL12064ST-COLUMBIA 120

LOCATION..PA….SALES PRICE….$17,995
70" Raised Roof Sleeper; Series 60 Detroit Engine; Diesel; 758,142 Miles; 10 Spd OD; Engine Brake;
3.70 Ratio; 22.5 Tires; All Steel Wheels; 232" WB; Tandem Axle; 12,000 # FA; 40,000 # RA;
2003 KENWORTH T2000…LOCATION.. FLORIDA..

SALES PRICE…$23,995.. SPECIAL DEALER FINANCING

70" Condo Sleeper; C15 Caterpillar Engine 475 hp; Diesel; 760,000 Miles; 10 Spd OD; Engine Brake;
3.55 Ratio; 22.5 Tires; All Aluminum Wheels; Tandem Axle; 12,000 # FA; 40,000 # RA
2005 KENWORTH W900…..LOCATION..FLORIDA…
SALES PRICE $38,000 .. SPECIAL FINANCING
72" Double Bunk; ISX Cummins Engine 550 hp; Diesel; 740,000 Miles; 10 Spd OD; Engine Brake; 22.5
Tires; Aluminum Wheels; 240" WB; Tandem Axle; 12,000 # FA; 40,000 # RA;
2005 PETERBILT 379……LOCATION…FLORIDA…

SALES PRICE…$45,000 …..SPECIAL FINANCING

70" Unibilt; C15 Caterpillar Engine 475 hp; Diesel; 490,000 Miles; 10 Spd OD; Engine Brake; 24.5 Tires;
All Aluminum Wheels; 263" WB; Tandem Axle; 12,000 # FA; 40,000 # RA;
 ADDITIONAL SEMI TRUCKS FOR SALE

2003 FREIGHTLINER COLUMBIA…….

SALES PRICE..........$17,600

Year.........2003..................STOCK NUMBER........13079
Make........FREIGHTLINER SEMI
Model........COLUMBIA
Engine..................DETROIT 60 SERIES.. DIESEL
Horsepower........430HP
Transmission.........10 SPEED
Mileage..........536,649
Hours...........N/A
FAWR.........12,000
RAWR..........40,000
GAWR............52,000
FUEL TANK.............DUEL 100 GALLONS
SUSPENSION...........AIR RIDE.
TIRES .......FRONT........ 295R75R22.5
TIRES........REAR.........295R75R22.5
WHEELS............ALUMINUM
WHEEL BASE......................258"
COLOR.......WHITE
LOCATION ....MISSOURI

60" x 87" DOUBLE BUNK

HVAC IN SLEEPER
DIFFERENTIAL LOCK
C
 SALES PRICE..........$17,600

Year.........2003..................STOCK NUMBER........12996
Make........Kenworth Semi
Model.........T2000
Engine..................Cat C-15
Horsepower........435HP
Transmission.........13 Speed
Mileage..........604,084
Hours...........N/A
FAWR.........12,000
RAWR..........40,000
GAWR............52,000
FUEL TANK.............DUEL 100 GALLONS
SUSPENSION...........AIR RIDE.
TIRES .......FRONT.........295/75R22.5
TIRES........REAR.........295/75R22.5
WHEELS............ALUMINUM
WHEEL BASE......................247"
COLOR.......DARK BLUE
LOCATION ....MISSOURI
 SALES PRICE..........$13,200

Year.........1999..................STOCK NUMBER........5412
Make........FREIGHTLINER SEMI
Model.........FLD132
Engine..................DETROIT 60 SERIES.. DIESEL
Horsepower........500HP
Transmission.........SUPER 10
Mileage..........535,239
Hours...........N/A
FAWR.........12,000
RAWR..........40,000
GAWR............52,000
FUEL TANK.............DUEL 120 GALLONS
SUSPENSION...........AIR RIDE.
TIRES .......FRONT........11R24.5
TIRES........REAR.........11R24.5
WHEELS............ALUMINUM
WHEEL BASE......................285"
COLOR.......DARK BLUE
LOCATION ....MISSOURI

60" x 84" DOUBLE BUNK

HVAC IN SLEEPER
 2002 FREIGHTLINER COLUMBIA

SALES PRICE..........$16,500

Year.........2002.................STOCK NUMBER........9938
Make........FREIGHTLINER BIG RIG
Model........COLUMBIA
Engine..................DETROIT 60 SERIES.. DIESEL
Horsepower........470HP
Transmission.........13 SPEED
Mileage..........727,968
Hours...........N/A
FAWR.........12,000
RAWR..........40,000
GAWR............52,000
FUEL TANK.............DUEL 140 GALLONS
SUSPENSION...........AIR RIDE.
TIRES .......FRONT........ 295R75R22.5
TIRES........REAR.........295R75R22.5
WHEELS............ALUMINUM
WHEEL BASE......................265"
COLOR.......WHITE
LOCATION ....MISSOURI

60" x 84" DOUBLE BUNK

HVAC IN SLEEPER
DIFFERENTIAL LOCK
CLIMATE AND LIGHT
A/C
 2000 FREIGHTLINER CENTURY

SALES PRICE..........$15,400

Year.........2000.................STOCK NUMBER........5704
Make........FREIGHTLINER OVER THE ROAD TRUCK
Model........CENTURY
Engine..................DETROIT 60 SERIES.. DIESEL
Horsepower........430HP
Transmission.........13 SPEED
Mileage..........674,277
Hours...........N/A
FAWR.........12,000
RAWR..........40,000
GAWR............52,000
FUEL TANK.............DUEL 100 GALLONS
SUSPENSION...........AIR RIDE.
TIRES .......FRONT........ 275/80R22.5
TIRES........REAR.........295/75R22.5
WHEELS............ALUMINUM
WHEEL BASE......................258"
COLOR.......WHITE
LOCATION ....MISSOURI

60" X 87' DOUBLE BUNK SLEEPER

HVAC IN SLEEPER
DIFFERENTIAL LOCK
JAKE BRAKE
A/C

SALES PRICE…..$16,500
Year............2003
Make.............International Semi..
Model.........9900I
Stock #..........10275

Mileage.........485,592
Hours..........15,703
FAWR..........12,000
RAWR...........40,000
GVWR...........52,000
Color............White

Engine............Cat C-15 Diesel, 500 HP

Transmission............Eaton Fuller Super 10 Top 2
Front Tires...............295/75R22.5
Percentage.....70%
Rear Suspension...........Air Ride
Rear Tires...............295/75R22.5
Percentage..............70%
Wheels.........Aluminum
Fuel Tank...............Two @ 147 Gallons Each
Air Conditioning........YES
Differential Lock.........YES
Engine Brake..........YES

Model..............60" x 88" Double Bunk

Controls...........HVAC in Sleeper
Wheel Base...268"
ECM Mileage........485,592

LOCATION.......MISSOURI...
 Sales Price……$16,500

Year..........2002
Make.........International
Model........9200I
Stock #..........5313

Mileage.........588,120
FAWR..........12,000
RAWR...........40,000
GVWR............52,000
Color..........Black

Engine..............Cummins ISM Diesel, 425 HP

Transmission.........Eaton Fuller Super 10
Front Tires............295/75R22.5
Percentage..........50%
Rear Suspension.........Air Ride
Rear Tires.............11R22.5
Percentage........50%
Wheels.........Aluminum
Fuel Tank............Two @ 100 Gallons Each
Air Conditioning........YES
Differential Lock.......YES
Engine Brake.........YES

Model............60" x 90" Single Bunk

Controls...........HVAC in Sleeper
Wheel Base.............250"
ECM Mileage.........584,090

U.S Corporate Capital Leasing Group

800-760-6863 phone 866-671-6878 fax

www.cclgequipmentleasing.com/trader.htm