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