Rainstar Capital Group has developed a diversified platform of lending partners that provide equipment financing, working capital and receivables financing for clients in the transportation space.

1. TOP 7
Lending Products for Transportation Companies
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2. www.rainstarcapitalgroup.com
Rainstar Capital Group has developed a diversified platform of lending partners that provide equipment
financing, working capital and receivables financing for clients in the transportation space. When it
comes to purchasing or refinancing trucks/vehicles please review the programs below:
First Time Owner Operators
Most lenders do not look to finance First
Time Owner Operators due to lack of
experience, cash flow and sometimes
credit. Thankfully, Rainstar Capital Group
has a platform of lenders that cover this
niche. To qualify we need the client to
have:
 Minimum 600 credit
 Minimum 20-25% down payment
01 A Paper Clients
For clients with the best credit of 700+
we have a host of low interest rate and
best term solutions. To qualify clients will
need:
 Best Rates are 6%
 Minimum 2 years in business,
sometimes 3-5
 Credit Score 700+
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Truck Operators with Bad Credit
Clients that have sub 600 scores
sometimes find it difficult to qualify for
cash out refinances or to be able to
purchase new vehicles. Rainstar Capital
Group has a platform of lenders that can
assist clients with these issues. To qualify
we need the client to have:
 15-50% down payments for new
purchases which can be either
cash down or title of another truck
(other collateral)
 Credit Score- 400-600
02 Cash Out Refi
Many Trucking Firms have multiple
trucks or transportation vehicles that
they own. When cash is needed quickly,
Rainstar Capital Group has a platform of
lenders that can provide cash out
refinances as working term loan or lease.
To qualify the client will need:
 Minimum Credit Score of 500
 40-60% of Forced Liquidation
Value
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3. www.rainstarcapitalgroup.com
If we can assist you with your transportation financing need please reach out to your Director or
visit rainstarcapitalgroup.com
Bridge Financing
For clients that have trucks/vehicles that
they are looking to sell Rainstar Capital
Group has a platform of lenders that can
provide a bridge financing solution until
the sale closes:
 Minimum Credit Score of 500
 40-60% of Forced Liquidation
Value
05 Older Truck Fleets
Clients that are looking to buy or
refinance trucks that are ten year older or
more sometimes have issues accessing
capital. Rainstar Capital Group has a
platform of lenders that will lend on
older trucks. Here is the qualifications:
 No age restrictions on truck
purchases
 Can have up to 900,000 miles
(over 900,000 with qualified
engine overhaul)
 Purchase and cash out refinance
 Minimum Credit Score of 600+
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Fleet Options
 3 trucks or more
 Special interest rates/terms for
Fleet Owners
 Purchase and cash out refi options
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