Whether you're adding a unit or consolidating your whole fleet, Northgate gets owner-operators and fleet managers funded fast.
Transportation financing is about margin. Owner-operators and fleet managers run on thin numbers — fuel, maintenance, driver costs — and a high monthly payment on a truck that's not earning full revenue kills profitability. Northgate structures commercial truck financing to keep your monthly costs in line with your revenue, whether that means a capital lease on a new day cab, a refinance on existing units carrying too high a rate, or a consolidation to simplify your books.
We finance all commercial truck configurations — day cabs, sleepers, flatbeds, dumps — and the trailers that run with them. We work with single-truck owner-operators and regional fleet operators running 20+ units.
Transportation financing is one of our most active deal categories. We've consolidated multi-lender truck payments, refinanced high-rate deals from original purchase, and arranged capital lease financing for drivers expanding from one unit to a small fleet. We understand trucking margins and structure deals that make operational sense — not just approval-friendly numbers.
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Outcome summary — what was achieved.
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