Keep Your Wheels Rolling
Ten Four Funding is a heavy equipment finance brokerage built for owner-operators and small fleets. We put capital to work for your business—so you can protect your cash flow, own your equipment, and keep your wheels turning.
Let's Get Started — Free Financing Assessment
Answer 5 quick questions. No credit pull, no obligation — just an honest read on where you stand before you apply.
Finance That Moves As Fast As You Do
Whether you're buying your first truck or refinancing your fleet, we work the phones so you don't have to.
Equipment Purchase Financing
Ready to add to your fleet? We connect you with lenders who specialize in commercial vehicles—no runaround, no delays. Class 3–8: semi trucks & sleepers, dump trucks & specialty vehicles, box trucks & medium-duty, trailers & attachments. New and used, with rates shopped across lenders.
Refinancing
Locked into a high-rate loan? We'll shop your current deal and find you something better—lower your payment, reduce your rate, cash out equity, or consolidate multiple loans. No-prepayment-penalty options available.
Credit-Challenged Programs
Less-than-perfect credit? We have lenders who understand the trucking business and fund deals that banks turn away. All credit profiles considered, income-based approvals, first-time buyer programs, and help rebuilding your business credit.
Lease Buyouts
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. End-of-term or early buyout financing, so you stop paying for someone else's asset.
Built for the Road Warriors
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.
✓ Solo Owner-Operators
Just you and your truck. We help you own your equipment outright and build toward the fleet you want.
✓ Small Fleets (2–20 Trucks)
Growing your operation? We can finance one truck or an entire fleet expansion with streamlined paperwork.
✓ Lease-to-Own Transitions
Done leasing and ready to own? We'll get you out of the lease cycle and into real equity.
Sample Deal — Owner Operator
- Equipment
- 2021 Kenworth T680
- Purchase Price
- $92,500
- Down Payment
- $5,000
- Term
- 60 Months
- Est. Monthly Payment
- ~$1,640 / mo
- Typical Decision
- 24–48 Hours
*Example only — not an offer of credit or a rate quote. Terms vary by credit profile, equipment, and lender.
Estimate Your Payment
Drag the sliders for a real, working estimate. This is an example to get you in the ballpark — your actual rate depends on your credit profile and the lender, which is exactly why we shop multiple lenders instead of locking you into one number.
Stuck in a Lease-Purchase Program?
You're paying like an owner. You should own something. Federal regulators have called out lease-purchase programs for burying drivers in fine print — if that's your situation, you have options, and we'll walk through the real math with you for free.
📄 Bring Us Your Numbers
Send your current lease statement. We'll show you, line by line, what a buyout or replacement loan actually costs — no pressure, no obligation.
🔑 Buy Out or Replace
Sometimes buying out your current truck makes sense. Sometimes refinancing into a different truck is cheaper. We shop both paths and tell you which one wins.
🤝 Straight Answers Only
If the math doesn't work yet, we'll tell you that — and what would need to change. No one else in this business does that for free.
Four Steps to Funded
No jargon, no runaround. Just a straight shot from application to keys in hand.
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01
Submit Your Info
Fill out our short application in about 5 minutes. We'll ask about you, your business, and the equipment you need.
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02
We Shop Lenders
We submit your file to our network of commercial trucking lenders to find your best rate and terms.
-
03
Review Your Offer
We present you with clear options. You pick the deal that fits your budget. No pressure, no surprises.
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04
Get on the Road
Paperwork done, keys in hand. Most deals close within 48–72 hours of approval. Time to roll.
We Work For You
As a broker, we represent you—not the bank. That means we fight to get you the best terms possible.
🚛 Trucking Specialists
We only work in commercial trucking and heavy equipment. We know the industry, the lenders, and how to structure deals that get approved.
💰 No Upfront Fees
We're paid by the lender at closing—not by you. Our consultation is completely free and there's no cost to apply. Want to know exactly how we get paid on your deal? Ask—we'll walk you through it.
🏦 Access to Multiple Lenders
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.
⚡ Fast Turnaround
We move at truck-stop speed, not bank speed. Most applications get a decision within 24–48 hours.
✓ All Credit Considered
We work with lenders who understand that truckers often have unique financial histories. When banks say no, we know which lenders will still take a real look—and if the honest answer is "not yet," we'll tell you that too, with a plan to get there.
🤝 Straight Talk
We'll tell you upfront what you qualify for and what to expect. No bait-and-switch, no hidden terms. Just honest financing.
About Ten Four Funding
Ten Four Funding is a heavy equipment finance brokerage built for a market that big banks often overlook: owner-operators and small fleet owners who need fast, flexible financing for their trucks and trailers. As a broker, we represent you—not the bank—and we shop your deal across a network of commercial trucking lenders to find the terms that fit your business.
We're paid by the lender at closing, not by you. That means applying is free, the consultation is free, and our incentive is simple: get you funded on the best terms available. Whether it's your first truck, a fleet expansion, a refinance, or a lease buyout, we work the phones so you can stay on the road.
Our focus on owner-operators and fleets up to 20 vehicles means we're not chasing mega-corporate accounts. We serve owner-operators and small fleets nationwide—the backbone of American freight—and we think you deserve the same level of service and competitive rates the big carriers get.
Owner: Lee Oday
Phone: (303) 514-5134
Service Area: Owner-operators & small fleets nationwide
Specialty: Heavy Equipment Finance Brokerage — semis, dump trucks, flatbeds & trailers
Trusted by Owner-Operators
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Not Ready to Apply Yet?
No rush — most equipment decisions take months. Leave your email and we'll send occasional straight-talk updates on rates, programs, and what's changing for owner-operators. No spam, unsubscribe anytime.
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Schedule Your Appointment
Fill out the form below to schedule a consultation with Lee Oday. We'll discuss your equipment financing or refinancing needs and get you started with a free quote.
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