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:

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
We have been purchasing trailers with our Sales Rep Sean Rozick for several years. He's always very professional, helpful and gets us great deals. Would highly recommend!
Kelly F.
Kelly F.
16:34 21 Mar 24
Sean was instrumental in succeeding in my endeavor of entrepreneurship. Great all around guy. If you need a trailer just ask for Sean! A++++
Phil D
Phil D
14:43 14 Mar 24
Shout Out To Matt Duke.For helping us finance our trailer we purchased. He made the purchase process easy and answered any questions we had alone the way!
Sandhu B.
Sandhu B.
18:05 13 Mar 24
Greatest guy to work with. Was on everything I needed very quick and stay in contact from start to finish. Was willing to help any possible way I needed. Thank you!
Brad Phillips S.
Brad Phillips S.
16:39 12 Mar 24
Shawn Rozick from Utility in Manheim PA was great! Professional and understanding of our company's needs. Worked diligently with us to accomplish our trailer purchase.
Lori M.
Lori M.
16:07 06 Mar 24
Just bought a reefer trailer from Keystone Utility Trailer. Matt Duke took excellent care of us from start to finish. Can't wait to grow the business and go back to Mat for more trailers in the future.
Mike O.
Mike O.
17:47 05 Mar 24
Very good experience. Tim was very professional and accommodating to our time frame. Will definitely use keystone and Tim Proffitt the next time I need a trailer.
Andrew
Andrew
19:21 04 Mar 24
Awesome family of workers! Go talk to Matt Duke if you want good service on finding trailers!
Billy B.
Billy B.
16:59 04 Mar 24
Excellent service and great people to work with
Marvin S.
Marvin S.
19:17 28 Feb 24
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