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.

  • A dedicated in-house team
    of finance professionals

  • Choose from six different
    financing options available

  • A large network of financial institutions to work with

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:

Very pleased with our new chassis purchase from Utility Keystone. Tim Proffitt was very responsive and professional, answering questions and emails in a timely manner. Will use them again for our new equipment purchase.
GSM T.
GSM T.
19:04 13 May 24
Great staff
Chevy 6.
Chevy 6.
01:08 13 May 24
Excellent people. I had a great experience with Jan Christen he was able to find some used equipment for me that exceeded my expectations.The parts department is very knowledgeable and happy to assist. I was impressed with their ability to find what I needed quickly.The facility and shop is modern and very clean and I would highly recommend Utility Keystone Trailer Sales.Rob TouchtoneA-Tech Logistics Inc.Palmer, PA.
Robert T.
Robert T.
18:57 07 May 24
Enjoyed working with Jan in purchasing our reefer trailers, hoping we will continue to do business again
Ray Z.
Ray Z.
20:56 27 Apr 24
Great experience dealing with Utility Keystone for our 45' dry van trailer. Dan Upschulte was great to work with from concept to delivery. Highly recommend. Will deal with again!
BB B
BB B
15:23 19 Apr 24
Dan Ups and Matt did great job assisting me with my Reitnouer 2022 flatbed purchase. Trailer condition was described as "like new", and when I took it to my mechanic I was expecting him to find things to fix, but there was nothing to fix👍. Awesome
Vik H
Vik H
02:45 18 Apr 24
Pleasure working with Matt Duke. Very easy-going.
Izzyneumann
Izzyneumann
19:22 15 Apr 24
Nice to work with and very friendly and Matt Duke really enjoyed dealing with you
Robert B.
Robert B.
19:47 05 Apr 24
Drew Hoffman is an incredible businessman and an even better person! He always maintains professionalism and is excellent at providing clear instructions. GET THIS GUY A RAISE!!!!
Chris D.
Chris D.
21:08 03 Apr 24
Matt Duke was my salesman, very knowledgeable and very professional at his job! I would definitely look for him the next time I come in to make a purchase
STACEY M.
STACEY M.
19:13 24 Mar 24
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