You financed a truck.
Not a tow bill.
Abandoned rigs. Late payments. Auction losses. Valor turns your collateral into a managed, earning asset: paid weekly, tracked live, reseated fast.
Guarantee
Every truck lender's nightmare, in four acts.
The truck goes dark.
Driver walks. GPS pings a truck stop 600 miles away. Nobody's answering.
The payment doesn't come.
Monthly billing means you find out 30 to 60 days late, long after the truck stopped earning.
The auction calls.
Tow. Storage. Recondition. Fees. A rig with no service records sells at a discount.
The deficiency stays.
The truck is gone. The balance isn't. And the write-off lands on your desk.
One industry analysis: a $150,000 truck financed at 80% LTV in early 2023 now liquidates below $100,000, leaving a $20,000+ deficiency after repo costs. Some banks have quit equipment lending entirely. Source
More than a financed truck.
Valor Finance Partners get settlement-deducted payments, live performance insights, driver occupancy and truck health. We keep the truck earning and hold drivers accountable.
Six layers between you and a loss.
Weekly payments
Deducted from settlement before the driver is paid. You get paid fast and often.
Performance data
Revenue, occupancy and mechanical health every week. See trouble in days, not after a missed month.
Service records
We organize and pay for maintenance and repairs, and keep every report and invoice on file.
Warranty & legal use
Coverage tracked. Equipment registered, insured, inspected and run legally.
Maintenance Savings
A weekly reserve, held by your institution, so a needed repair never gets pushed off or puts a payment at risk.
Warranty offerings
Extended warranty options guard against engine, aftertreatment and transmission bills.
What happens when a driver walks?
Driver leaves? We reseat the truck.
No repo. No auction. Valor typically places a vetted, qualified driver in a vacant seat within 30 days, and the payments keep coming.
What does one walk-away cost you?
Move the sliders to match a loan on your books.
Valor Lock
- Maintenance Savings held by your institution
- Weekly escrow reserve from settlement
- Warranty tracking and extended warranty offerings
- 30-day reseating program
- Quarterly performance scorecard
Credit scores don't make on-time deliveries. Professionals do. Good habits cut costs, catch problems early and add years to a truck's life.
Workmanship is a true indicator of success, not credit scores.
We vet the driver. And the authority they sign onto.
A great driver on a bad authority still loses money. So we check both before your truck turns a wheel.
The driver
- Previous work experience, verified with prior carriers
- Bank statements, to confirm financial health
- Professional and personal references
- Safety record and minimum occupancy commitment
The authority
- BASIC scores that could cut the carrier’s freight and income
- Authority and insurance concerns, including conditional safety ratings
- ISS scores that trigger inspections and lost time
- Lease costs that work against the driver: high trailer rent, poor fuel discounts, or lanes in high-cost areas with elevated fuel and tolls
Four steps. Zero guesswork.
We vet
Driver work history, bank statements and references, plus the authority they sign onto.
You fund
Start with a pilot. Weekly deductions and Maintenance Savings begin day one.
We manage
Dispatch, settlement, maintenance, compliance and reseating, every week.
You review
Weekly remittance reports and a quarterly scorecard on every unit.
Straight answers.
Lend on the work. Not the score.
Talk to our Lender Support Team about a pilot program.