Owner-Operator Truck Financing

Apple Capital offers owner-operators Class 8 truck and reefer trailer financing through our Owner-Operator Truck Financing program. We understand the opportunities drivers have in owning their own tractor as well as the challenges they face in obtaining financing for those rigs. Maxim has created an application only program to meet the needs of these business owners with as little as 25% down and a net funding between $10,000 and $40,000.

Owner-Operator Financing Solutions Guide

Deal Parameters

  • $10,000 to $40,000 net funding to dealer
  • 2007 or newer class 8 tractors
  • Under 700,000 miles
  • 2009 or newer reefer trailers
  • Under 15,000 hours
  • Minimum 25% down payment (trade-in OK)
  • First time owners OK
  • Additional Collateral NOT required
  • No minimum FICO
  • Past bankruptcy, Derogatory credit history, & Foreclosures OK


  • Current bankruptcy
  • Child support collection
  • Auto repossession or charge-off
  • Tax liens > $10,000
  • Private party sales
  • Funding in Wisconsin

Submission Requirements

  1. Signed Truck Financing Application
  2. Credit Bureau
  3. Invoice or Quote (including prices, specs, mileage, & VIN)
  4. Down Payment and/or Additional Collateral Information

Please feel free to call us to discuss your Owner-Operator Truck Financing at 866-611-7457.