
Trucks
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Sale-leaseback with Purchase Option
GUIDELINES
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Class 7-8 trucks “sleepers”: 3 years or newer (classics up to 5 years)
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Class 7-8 trucks “vocational”: 6 years or newer
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Class 4-6 trucks: brand new only (with a few exceptions)
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Minimum retail price: $100,000 - $1,000,000
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Minimum down: 25-40% (cash/trade/collateral)
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Investor: 40% down (no social or credit needed)
HIGHLIGHTS
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No prepayment penalty
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Start-ups are OK
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No FICO minimum
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Past bankruptcy OK
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No minimum time with CDL
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1-3 hour approvals!
ITEMS NEEDED FOR APPROVAL
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Credit application
We will accept any credit application.
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Truck specs
Must include year, make, model, mileage, VIN, engine
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Invoice
Must be itemized
REQUIREMENTS FOR A FULL APPROVAL
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Application: We can use your application, if you have a credit report/score please send
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Invoice
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Spec sheet with pictures
OPTIONAL FOR BEST APPROVAL: “NOT REQUIRED”
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2 years tax returns
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3 months bank statements
QUESTIONS TO ASK FOR BEST APPROVAL "NOT REQUIRED"
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Credit score estimate?
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Time in business?
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CDL years?
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Bankruptcy?
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First truck purchase?
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Highest limit on credit?
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Net worth?
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Repossession?
WHAT IS REQUIRED FOR FUNDING?
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Wire confirmation of full down payment "to dealer or finance company"
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Insurance
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Signed and notarized contract. Original must be sent
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Truck inspection
COMMISSION
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There is no cap on points/broker fee, however, points over 5 affect the down payment
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Commissions are calculated simply: (price of truck - down payment or security deposit x broker commission) example: $70,000 - $21,000 = $49,000 x .05 = $2,450 broker fee
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Default broker fee is 5 points unless otherwise stated on submission email
COMMERCIAL HEAVY-DUTY GUIDELINES "CLASS 7 & 8"
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Deal Size: $100,000 - $1,000,000 Retail Price
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Engines We Don't Finance: Maxxforce/A26
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Mileage Restrictions: 400,000
400,00 Miles: 3 to 4 years term 4
300,000 Miles: to 5 years term 5
0 - 200,000 Miles: to 7 years term
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Customer location: We finance deals in all continental USA.

Your Path to Securing Financing
At East Harbor, we value your time and streamline the process to deliver optimal financing solutions with minimal effort
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Inquire and Consult
Fill out a brief inquiry form, and our advisors will quickly schedule a consultation to understand your financial needs and goals.
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Custom Financing Strategy
We create a financing plan that aligns with your portfolio, managing all details to ensure a smooth process.
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Effortless Execution
We handle everything from underwriting to fund disbursement, delivering your funds promptly so you can focus on growing your wealth.
Free Download
The Essential Guide to Strategic Asset Financing.
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Asset-based financing can be complex, even for seasoned investors. Without the right strategies, you risk missing returns and exposing your wealth to unnecessary risks.
Download 'The Essential Guide to Strategic Asset Financing' to gain expert insights that will help you maximize returns, protect your assets, and make informed decisions.
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