From New Business to the Open Road: How One Driver Built His Future with a 2022 Volvo VNL 760

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