--- title: "From New Business to the Open Road: How One Driver Built His Future with a 2022 Volvo VNL 760" description: A new owner-operator with no business credit got approved for a 2022 Volvo VNL 760 — thanks to Northlend’s experience-based financing approach. image: https://northlend.ca/hubfs/2022-volvo-vnl+760.1.jpg --- [Skip to content](https://northlend.ca/blog/from-new-business-to-the-open-road-how-one-driver-built-his-future-with-a-2022-volvo-vnl-760#main-content) ![](https://northlend.ca/hs-fs/hubfs/Screenshot%202025-09-12%20at%202.30.42%20PM.png?width=212&height=82&name=Screenshot%202025-09-12%20at%202.30.42%20PM.png)Homepage - [Home](https://northlend.ca) - [About](https://northlend.ca/blog/from-new-business-to-the-open-road-how-one-driver-built-his-future-with-a-2022-volvo-vnl-760#about) - [Services](https://northlend.ca/blog/from-new-business-to-the-open-road-how-one-driver-built-his-future-with-a-2022-volvo-vnl-760#services) - [Blog](https://northlend.ca/blog) [Get started](https://www.jotform.com/build/252108463032043) - [Home](https://northlend.ca) - [About](https://northlend.ca/blog/from-new-business-to-the-open-road-how-one-driver-built-his-future-with-a-2022-volvo-vnl-760#about) - [Services](https://northlend.ca/blog/from-new-business-to-the-open-road-how-one-driver-built-his-future-with-a-2022-volvo-vnl-760#services) - [Blog](https://northlend.ca/blog) [Get started](https://www.jotform.com/build/252108463032043) ![](https://northlend.ca/hs-fs/hubfs/2022-volvo-vnl+760.1.jpg?width=1600&height=900&name=2022-volvo-vnl+760.1.jpg) Owner-Operator # From New Business to the Open Road: How One Driver Built His Future with a 2022 Volvo VNL 760 ![Tony Chieco](https://northlend.ca/hs-fs/hubfs/TONY.jpeg?width=48&height=48&name=TONY.jpeg) Tony Chieco November 12, 2025 When a professional driver decided to go out on his own in early 2025, the excitement quickly turned into stress. His business was newly incorporated — no commercial credit, no lender history, and no clear path forward. But he wasn’t ready to give up on his dream of becoming an owner-operator. He had done everything right: four years driving for the same company, a strong reputation, and a plan to keep hauling steady routes across Canada and the Northeast U.S. Still, every call to a lender or dealer ended the same way — *“Sorry, not enough credit history.”* He had the experience and reliability that mattered in trucking, but the system only cared about credit files and time in business. For new companies, financing a first truck can feel impossible. Traditional lenders only see risk — not potential. Many new owner-operators end up taking on sky-high rates or walking away from their dream altogether. At Northlend Equipment Finance, we look beyond the numbers. When this driver came to us, we focused on what truly mattered — his four-year employment record with the same carrier, proof of home ownership, and a clear plan to continue working under the same contract with his new unit. That story told us more than any credit report could. We secured an approval for a **2022 Volvo VNL 760**, requiring just **15% down** on a **four-year term** — with a competitive rate and comfortable monthly payment designed to protect his cash flow and help him grow. By **June 2025**, the deal was complete, and his new Volvo hit the highway. In the months since, he’s been thriving — making payments easily, keeping up with maintenance, and maintaining a healthy profit margin. He’s already talking about adding another truck in early 2026 to expand his operation. His story proves that a lack of credit history doesn’t have to hold you back — not when you’ve got experience and the right financing partner behind you. Starting a business from scratch doesn’t mean starting alone. If you’re an experienced driver ready to take the next step, Northlend can help you get rolling — even if your company is brand new. **Let’s turn your experience into approval.** Reach out today to get your first truck financed ## Share this post [mailto:https%3A%2F%2Fnorthlend.ca%2Fblog%2Ffrom-new-business-to-the-open-road-how-one-driver-built-his-future-with-a-2022-volvo-vnl-760](mailto:https%3A%2F%2Fnorthlend.ca%2Fblog%2Ffrom-new-business-to-the-open-road-how-one-driver-built-his-future-with-a-2022-volvo-vnl-760) ## Keep reading ### [![](https://northlend.ca/hs-fs/hubfs/F750%20Tow%20Truck.webp?width=350&height=220&name=F750%20Tow%20Truck.webp) Tow Trucks The Hidden Fee Trap Towing Companies Keep Falling Into (And How to Avoid It)](https://northlend.ca/blog/the-hidden-fee-trap-towing-companies-keep-falling-into-and-how-to-avoid-it) ### [![](https://northlend.ca/hs-fs/hubfs/INTL.jpg?width=1200&height=900&name=INTL.jpg) Owner-Operator How a Local Delivery Business Broke Free from Rentals and Bought His First Truck](https://northlend.ca/blog/how-a-local-delivery-business-broke-free-from-rentals-and-bought-his-first-truck) [![](https://northlend.ca/hs-fs/hubfs/Screenshot%202025-09-12%20at%202.30.42%20PM.png?width=212&height=82&name=Screenshot%202025-09-12%20at%202.30.42%20PM.png)](https://northlend.ca/) - [Home](https://northlend.ca) - [About](https://northlend.ca/blog/from-new-business-to-the-open-road-how-one-driver-built-his-future-with-a-2022-volvo-vnl-760#about) - [Services](https://northlend.ca/blog/from-new-business-to-the-open-road-how-one-driver-built-his-future-with-a-2022-volvo-vnl-760#services) - [Blog](https://northlend.ca/blog) [mailto:troy@northlend.ca](mailto:troy@northlend.ca) --- Privacy Policy · Legal · © 2025 NorthLend Equipment Finance. 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