When you’re trying to grow a transport business, few things are more frustrating than being stuck in a high-cost finance arrangement—with no clear way out.
That was the reality for one of our clients, a two-year-old transport business trying to refinance a 2008 Kenworth truck and 2009 Hercules trailer. Despite gaining traction in their operations, they were up against multiple roadblocks:
Add to that a final fallback offer from another lender with a crushing $15k/month repayment—and it looked like the business might stall before it truly got moving.
But that’s where we came in.
The Challenge: A Financing Wall
Most lenders saw risk. We saw potential.
With multiple funding declines and no standard pathway available, the client needed a creative solution fast—or risk being locked into a hire-to-buy agreement that would cripple their cash flow.
Our Approach: Leverage, Structure, and Strategy
At Network Finance, we don’t just look at numbers—we look at the whole picture. In this case, we worked closely with the client to:
✅ Leverage an existing truck and trailer as additional security
✅ Structure a full-doc loan that aligned with their business needs
✅ Secure funding through a trusted lender, ScotPac
The result? A $190K loan over 5 years with repayments of just $5K/month—well below the $15K/month they were previously facing. That’s what we call sustainable financing.
The Outcome: $2M+ in Funded Equipment (and Counting)
This wasn't a one-and-done deal—it was the start of a partnership.
In the two years since that first loan, we’ve helped this client fund over $2 million in equipment, all without requiring asset backing. With the right finance strategy in place, their business has scaled with confidence and clarity.
What This Means for You
Even if your business has had setbacks…
Even if you’ve been declined before…
Even if traditional lenders won’t give you the time of day…
There’s often a better way forward. It just takes the right partner to help you find it.
If you're in the transport industry—or any industry—and need smarter finance that actually works for your business, we're here to help.
Let’s talk about your next move.
