Trucking companies often face unique equipment financing challenges.

That's why Concept Financial provides equipment financing and refinancing specifically for small to medium size trucking businesses. We finance for both new and used tractors and trailers usually no older than 2001 models. Typically, we require a minimum down payment of 10 percent of the purchase cost.

Our Financer Knows Trucks

Concept Financial provides equipment financing through a financer that knows the trucking industry inside and out — Old Republic Financial Acceptance Corporation (ORFAC). In business since 1985, ORFAC provides simple, affordable equipment financing for the trucking industry, and only the trucking industry.

Through ORFAC, Concept Financial can offer:

1. Competitive Interest Rates — industry-competitive financing that's appealing and affordable
   
   
2. Free Credit Approval — there's no cost or obligation to apply for an ORFAC loan
   
   
3. Exceptional Service — we're committed to giving you the highest level of customer service
   
   
4. Prompt Turnaround — we'll be in touch with you within 24 hours or less after receiving your loan application
   
   

To apply for a loan, please click on the Equipment Financing Application button below. You'll be guided through a simple, preliminary application.

Please call Concept Financial if you have any questions during this process. We're here to help!