Get the Tractor-Trailer Loan You Need. Learn Exactly What Lenders Want to See — Straight From a Former Loan Officer
Get your truck financed the right way. Lower your payment. Stop letting someone else set the terms.
The creator of this program spent years on the other side of the lender’s desk — approving and rejecting tractor-trailer loans just like yours.
His name is Josh Bohlke. Now you can have him on your side.
We’ll show you exactly what lenders need to see, how to get your loan application right the first time, and how to sidestep the traps that catch most owner-operators off guard.
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Does Any of This Sound Familiar?
- You're making decent money, but the bank still said no to your truck loan — and nobody told you why
- You're paying your carrier $6,000 a month for a truck you'll never own, and you want out of the lease
- You got a negative paycheck after running 3,000 miles. You'd rather not tell your wife.
- You've tried to find answers about truck financing and gotten conflicting advice from people who've never seen the inside of a lender's office
- You don't know if your settlement statements really count as income to a lender
- You want to own your truck — your name on the title, not the carrier's — but you don't know the exact steps to get there
- You already own your truck but aren't sure you got the best financing terms — or you're ready to buy your next one and want to make sure you get it right
- You're stuck. Not because you're not working hard enough. Because you don't have the right information.
If any of that sounds like your situation — even just one of them — you're exactly who this was built for.
What the Trucker Finance Coach Program Covers
This isn't general business advice dressed up as trucking advice. Everything here is specific to owner-operators who drive 18-wheel tractor-trailers — because lenders evaluate trucking applications differently than any other business loan.
Here's exactly what the program covers:
What lenders actually look at
Not your gross revenue.
They look at what's called your Debt Service Coverage Ratio — calculated from your settlement statements and sometimes your bank account.
We explain, in simple plain-English, exactly how lenders run this math on your specific income, and what the number has to be for them to say yes.
Which type of financing fits your situation
SBA loans, specialty equipment finance, conventional loans — they're not the same thing and not everyone qualifies for all three.
We show you which one to pursue based on your credit, income, and operating history.
And how to use an "easier to get" loan now as a stepping stone to refinance into a more ideal loan in the near future.
What to fix before you apply
If something in your financial profile is working against you, we tell you exactly what it is and how to address it.
No guessing, no vague advice.
No sugar-coating the truth.
A specific action plan.
How to buy out a carrier lease
If you're in a lease-purchase program and want out, we show you how to refinance into real financing — the kind that gives you equity and an actual payoff date.
Not a truck you pay on forever and never own.
How to spot a predatory lender before you sign
Factoring contracts with large hidden fees.
MCAs that take 40–50% of your gross.
Lease-to-own deals that make it hard to get ahead.
We'll show you exactly what red flags to watch for — so you can spot a predatory deal before you're locked into one.
We'll help you find a lender
For students who complete the program and follow the process, we'll do our best to help you find the right lender for your situation.
Depending on where you are, that might mean pointing you toward the right types of lenders to approach, reviewing lenders you've found in your own research, or — in some cases — a direct introduction to a lender Josh has personally vetted.
We don't promise anyone a specific outcome. But if you've done the work, we'll give you guidance on where to go next.
The program is made up of direct advice and feedback from Josh and Dan for your specific situation, plus short videos that you can watch in the cab on a break. No long-winded theory. No get-rich-quick hype. No fluff.
You'll have direct access to Josh and Dan the entire time, to get our answers and advice for your specific situation.
Ask any questions and get our take throughout the loan process.
Dan Domino
Josh Bohlke
Real Driver. Real Math.
A driver, who Josh worked with, was paying $2,500 a month on a carrier lease for a well-used truck he'd never own.
After working through the financing process the right way — with the right lender, the right documentation — he got a loan on the same truck for $555 a month.
That's $1,945 more in his pocket. Every month.
That's not a best-case scenario. That's what can happen when you stop applying to the wrong lenders with the wrong paperwork and start understanding how to use lenders to your advantage, instead of the other way around.
This driver happened to be financing an older truck. However, even if it was a newer truck, with higher dollar amounts involved, he would have seen a similarly large payment reduction. The key was applying the right way, to the right lender.
Who's Behind This
We built this because we got tired of watching drivers get steered into bad deals by people who'd never sat on the lending side of the table.
Dan Domino
Founder
Trucker Finance Coach & Jay Street Group
Dan founded Trucker Finance Coach, and its parent company, Jay Street Group, to bring real-world financial thinking — and straight talk — to owner-operator truckers and other small business owners who've been getting flawed advice from people with conflicts of interest.
Over the past 25 years, he has worked in private wealth management and financial markets at Citigroup and Deutsche Bank, advised business owners and investors across industries, and built and operated businesses himself. Dan holds an MBA from Columbia Business School.
Dan's focus is helping owner-operator truckers, and other small business owners, understand how to use the financial system to work in their favor — to get financing, grow a profitable business, and build wealth.
Josh Bohlke
Head of Lending Advisory
Trucker Finance Coach & Jay Street Group
Josh spent over 20 years as a commercial loan officer, business loan underwriter, small business owner, and CFO.
He has personally reviewed and decided on numerous trucking equipment loan applications as a lender. When a driver got rejected by a bank, it was often someone like Josh making that call. He knows what killed those applications — and what would have saved them.
He now teaches that directly to truckers, so they can avoid costly borrowing mistakes and get the financing they need to succeed as owner-operators.
There are a lot of people online who have something to say about your truck loan. Very few of them have seen your loan application from the lender's side of the desk.
Josh has.
Who This Isn't For
- This program is not geared toward pickup truck operators or box truck drivers (what we teach is specifically designed for financing 18-wheel tractor trailers).
- This is not for people looking for guaranteed approvals or unrealistic shortcuts. No one honest can offer that. There are no magic shortcuts. But there is the right process. We teach that process.
- This is not for people who want someone to fill out their paperwork for them without understanding what they're signing.
- Not for people who want sugarcoating. We'll tell you the truth — even if that means telling you the timing isn't right yet.
If you're serious about getting financing for your truck, you're willing to learn about how the loan process actually works, and you want guidance from people who've been inside it — you're in the right place.
Start Learning for Free Right Now
The program isn't available yet. But the learning center is open.
Our Resources & Learning section has plain-English guides, quick-start checklists, and breakdowns of the tractor trailer financing process — for drivers in various situations. No email signup required.
Be First to Know When the Program Is Available
The program isn't open yet. Sign up with your email and we'll let you know when it is.
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