Fleet & Equipment Financing
At Sterling Ledger Capital, we provide tailored financing solutions for logistics and transportation companies — from independent owner-operators to established regional carriers. Whether you're looking to acquire trucks, trailers, or specialized equipment, our programs are designed to support the flow of your operations, not slow them down.
What Is Operating Equipment Financing?
What Is Operating Equipment Financing?
What Is Operating Equipment Financing?
Operating Equipment Financing refers to customized lending or leasing solutions designed to help logistics companies acquire the core assets they need to move freight efficiently — including:
- Tractor units / Day cabs / Sleepers
- Dry vans, reefers, flatbeds, and specialty trailers
- Box trucks, liftgates, and medium-duty vehicles
- Support assets like forklifts, pallet jacks, and more
Unlike generic business loans, this form of financing is tied directly to your essential revenue-producing equipment. We speak your language, and we structure deals to support your cash flow, your compliance needs, and your operational rhythm.
Equipment Loans vs. Business Loans
What Is Operating Equipment Financing?
What Is Operating Equipment Financing?
Equipment Loans
These are asset-backed loans that use the truck or trailer as collateral. They offer:
- Fixed rates and terms
- Predictable monthly payments
- Ownership at the end of the term
Business Loans
These are flexible capital injections that can be used for anything from repairs to payroll — but usually require stronger financials and carry higher rates.
Our View: If it rolls, hauls, or generates revenue — we help you finance it.
Financing vs. Leasing
What Is Operating Equipment Financing?
Financing vs. Leasing
Financing (Own the Asset)
Unlike leasing — where you’re essentially renting equipment with restrictions and no long-term value — financing puts you in control. You build equity with every payment, enjoy full ownership, and have the freedom to use, maintain, and eventually resell your equipment on your terms.
With predictable monthly payments and no mileage or usage limits, financing is the smarter path for growing fleets and serious logistics operators who want long-term stability and return on investment.
Ideal for:
- Fleets looking to grow sustainably
- Owner-operators building long-term value
- Companies seeking full control and asset ownership
Why Logistics Companies Choose to Finance
Running a logistics operation requires constant reinvestment. Financing allows you to:
- Preserve Working Capital
Don’t tie up cash in assets — use it for payroll, permits, insurance, and dispatch. - Access Better Equipment, Faster
Higher-quality trucks and trailers mean fewer breakdowns, better driver retention, and more profitable freight. - Gain Tax Advantages
With options like Section 179 deductions, financed or leased equipment may qualify for write-offs. - Build Business Credit
A well-managed equipment loan builds your commercial financial profile — opening doors to bigger lines of credit and better rates in the future.
Who we Serve
We don’t just serve trucking companies — we partner with logistics operators at every stage of growth:
- Owner-Operators
Just getting started or scaling from leased equipment to ownership. - Small Fleet Owners
3–25 trucks, growing across lanes and seeking capital-efficient expansion. - Established Regional Carriers
Looking to optimize asset replacement, secure better lending terms, and invest strategically. - Dispatchers & Third-Party Operators (3PLs)
Who may need equipment on behalf of contracted carriers.
We understand FMCSA timelines, freight cycles, and the realities of cash flow in the trucking world — because we've been there.
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