Owner Operator Financing
Your truck. Your business. Your financing.
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What Our Clients Say
"I've worked with Brobas for a long time. They provided financing with a minimal down payment, which was crucial for me. Since then, I've grown with them and plan to open a fourth location."
Nikola T.
Fleet Owner
"The first day after submitting documents, they gave me a full breakdown of my situation and explained the strategy. I got a great offer, and now the truck works for me — not the other way around."
Oleh O.
Owner-Operator
"Brobas has great relationships with banks. The monthly payment they offered was comparable, if not lower, than equipment financing. You won't get the same terms walking into a street bank."
Natalya P.
Business Owner
Becoming an owner-operator is the American dream of the open road — and Brobas is here to make it financially possible. Whether you're buying your first truck, upgrading from a company driver position, or adding to your small fleet, we connect you with lenders who specialize in owner-operator financing. Our programs accommodate new authorities, limited credit history, and the unique income patterns of independent trucking.
Why Choose Brobas for Owner Operator Financing
New Authority Welcome
Programs available for operators with as little as 3 months of authority.
Company Driver Transition
Specialized financing for drivers moving from company to independent operation.
Flexible Documentation
Alternative documentation options when traditional bank statements don't tell your full story.
1099 Friendly
Lenders who understand independent contractor income documentation.
The Brobas Process
Apply Online
Fill out a quick 5-minute application. No impact on your credit score.
Get Matched
Our AI engine matches you with the best lenders from our 500+ network.
Compare Offers
Review competitive offers with transparent rates and terms.
Get Funded
Choose your best option and receive funding — often within days.
Frequently Asked Questions
Can I get financing as a brand new owner-operator?
Yes. While rates may be higher for new operators, we have lenders with startup programs. Your CDL experience, down payment, and the truck's value all factor in.
What down payment do owner-operators typically need?
Down payments for owner-operators range from 10-25% depending on authority age, credit score, and the truck being financed. Experienced operators may qualify for less.
Do you help with operating authority setup?
While we focus on financing, we can connect you with partners who help with MC authority, insurance, and compliance setup.
Get Your Free Quote
No cost, no obligation, no credit impact.
Bank-level encryption. Your info is confidential.
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Areas We Serve
Owner-operator in TX approved for $145,000
2 hours ago