Semi-Trailer Finance Programs Designed to Save You Money
At Utility Keystone’s Trailer Sales our goal is to match you with the right finance options. Our dedicated in-house semi-trailer finance specialists work with a large network of lenders to secure the best rates available for your trailer purchase. We offer six different finance options.
Semi-Trailer Finance Options
Trac Lease – Terminal Rental Adjustment Clause (TRAC) Lease
How it Works
- Lease equipment for a set term at fixed monthly payments
- At disposition:
- Purchase equipment (set residual value)
- Continue to lease equipment based on the residual amount
- Return equipment
- Gain/loss of equity
Benefits
- Little to no money down
- Monthly payments are fully tax-deductible
- Lower monthly payments
- Sales tax is paid out over the term of the lease
- Retain more cash-on-hand
- Walk away and keep equity
90-Day Deferred
How it Works
- Contingent upon credit approval and requires a minimum of 5 years in business and 10 or more power units
- Applies to a finance contract
- You need trailers but are waiting to spend
- Payments get added to the end of the term of the loan
Benefits
- Little to no money down
- Monthly payments are fully tax-deductible
- Provides you with equipment now
- Increases your cash flow
- Same rules apply to contract (ex. Pre-payment options)
Seasonal Payments
How it Works
- This applies to a finance contract
- The lender will reduce payment amounts for period of time annually for the full term of the loan
- Ex. Seasonal spikes and declines in business
Benefits
- Reduce expenses during the slow season
- Opportunity to structure all equipment
- Peace of mind
Dollar Buyout
How it Works
- Lease equipment for a set term at fixed monthly payments
- At disposition, you can purchase the equipment for one dollar
- If you plan to keep your equipment for a long time, this may be the ideal option for yo
Benefits
- You can claim the interest expenses
- Equipment can be shown as a company asset
- You can deduct the purchase price of the trailer(s) as a business expense in the first year
Skip Payments
How it Works
- Applies to a finance contract
- Great for businesses that haul construction equipment
- Lenders will skip a period of payments annually for the full term of the loa
Benefits
- Significantly decreases expense during your slow season
- The opportunity to structure all equipment
- Peace of mind
Balloon Payments
How it Works
- Purchase equipment for a set term at a fixed monthly payment
- At disposition a final (balloon) payment is due
- Ideal for companies with a good financial setting
Benefits
- You own the equipment
- Lowers your monthly payments
- Maximizes your operating cash
- Optimal for businesses forecasting increased cash flow
See what our customers are saying:
We purchased a dump trailer years ago from Dan and it is still on the road today!
Andrew L.
16:33 04 Dec 23
I had a great experience buying parts at Utility Keystone. Kiersten went far and beyond to find all the necessary parts to fix an axle on my trailer. Thank you very much!
Moamer K.
17:23 20 Nov 23
This was my second time doing business with them, very helpful and accommodating.
denise C.
19:58 03 Nov 23
Sean rozick was great and professional helping with the sale answering all the questions and everytime we call or send an email we get the answer back in couple of days . Also very kind person. Thank you Sean
Zak L.
16:05 02 Nov 23
Sean Rozick was great helping me get a trailer, any time we call he answered right away… we enjoyed doing business with him.
rahal el M.
16:00 02 Nov 23
Very fast and easy, staff Very friendly. I bought my trailer here and it was very easy. 5 star plus
John E.
14:50 31 Oct 23
Tim Proffitt is excellent to work with. He is friendly, knowledgeable, and patient. We had a deal that took us a little longer than usual, but Tim was patient and understanding. We will be back. Would 10000% recommend.
mike F.
18:15 18 Oct 23
Me and my husband own a new trucking company and utility keystone trailer sales help us to get a reefer trailer and help us with finance , and they have a really good customer service , Thank you to Jan , Matt and Sean
Abi S.
18:45 09 Oct 23
They are the best!!!! 💯 Recommended!
Melisa Laura C.
15:06 06 Oct 23
Great experience shopping for dry van trailers with Sean Rozick! Sean definitely went above and beyond going over their used inventory. I will definitely be back. Highly recommend Sean and the team there!
Michael W.
16:21 04 Oct 23
Have you partnered with us in the past?
If so, we’d love to hear about your experience.