18 Wheels of Justice - Trucking's Headquarters!  Driver and Owner Operator Advertising, Books, Trucking News and Articles


Have a Voice, Chicago, with First Choice Equipment Loans 

Don’t Sign that Lease Purchase Agreement until you have talked to First Choice! 

Contact First Choice Today at 888-637-0054 x4  


Welcome to 18 Wheels of Justice, Truck financing anyone?  You ask. We deliver.

We’ve been contacted by many truck finance companies over the years who claim to be able to help our readers with low rates and financing for everyone, no matter what their credit situation might be.  We have been hesitant, because most finance companies claim this, but few can actually follow through.

Today, we want to introduce the one-stop truck financing shop for everyone.  Good Credit? Bad Credit? No Credit? Get better terms than any dealer, bank, financing company or anyone else can offer.

First Choice understands the Trucking Industry better than anyone else, hands down.  First Choice delivers the financing you need, when you need it!  Many finance companies make all sorts of promises on financing damaged or bruised credit; First Choice actually brings it to the table.  Whether this is your first truck or your last, they will get it done with terms you deserve.

Feel like a lease purchase is your only option?  Don’t sign yet until you have talked with First Choice.  Don’t get roped into high payments, an older truck, and stuck with the same trucking company.  First Choice, gives you just that, Choice.  To succeed in this business today, you must remain independent of any one trucking company and have options to survive and prosper.  

…We get the client to complete a one page credit application and submit it to us with some supporting documents.  Depending on the client, documents can vary.  We go thru all this during the initial consultation call.  We typically can have a decision within 3 hours.  If the credit is bruised, it could take up to 24 hours.  We keep our customers in the loop during the entire process so they know what is going on…”-Neil Bissa, First Choice


Contact First Choice Today at 888-637-0054 x4 

Mr. Neil Bissa is with us today to talk about truck financing and the ease of doing business with First Choice Equipment Loans, the truck and trailer financing specialists.

If you don't mind, Mr. Bissa, can you give us a little about your background and your company's in the truck and owner operator finance business?

First Choice Equipment Loans have been helping everyone from the new owner/operator to mid size fleets with their leasing needs.  We specialize in structuring aggressive and cost effective operating leases which provide flexibility and affordability to our drivers on the road.  We are made up of individuals who come from varying backgrounds – we have former owner/operators, fleet owners and banking professionals who work day and night to help get the best possible approval for our clients.

In addition, we work closely with fleet operators to set up programs for their owner/operators so the driver does not have to search for financing solutions – they can work thru the company they are driving for to coordinate with us directly to get the financing approved.

We always feel that owner operators and fleet owners don't spend enough time reviewing all of their options for financing.  What are the benefits of them reaching out to you? 

It’s funny that we often spend more time trying to figure out what we are going to have for dinner and not enough time finding the most cost effective solution for any of our business financing needs.  Most owner operators and fleet owners either rely on their bank or the dealer who is selling them the equipment to secure the financing.  In most instances, that may be enough but you have to know that the dealers typically come to firm’s like ours to get the financing done for their client.  When you eliminate the middle man and go direct to the source – you often save hundreds and even thousands over the course of the lease.  In addition, it’s always advisable to go into the dealership with a pre-approval so you know exactly how much you can spend based on your budget.

We all go into department stores looking to buy 1 thing and leaving with more than we wanted.  When you get a pre-approval and a lease structure in advance, you are ready to buy only what you need because you know exactly what you will be paying monthly.  We sit with all of our clients and educate them on the pro’s and con’s of each type of lease and suggest the best option for them – most banks only have 1 option which may not always be the best for you.

“…It doesn’t matter to us if potential or current owner operators  are with a carrier or running under their own authorities – again, we will walk the client thru all the costs when running under their own authorities and make sure the payment structure we come up with will fit into their monthly budget…”First Choice’s Neil Bissa

 Contact First Choice Today at 888-637-0054 x4 

What if it's a first time owner operator?  Do you have programs for them?

Yes – dealing with the first time owner operator is our specialty.  Most banks turn away from new owner ops – we don’t.  We have helped many first time buyers with their first truck and now they have a small fleet of 10 or 15.  When dealing with us, our objective is to guide you thru the life cycle of the trucking business – we feel like we are there to help you achieve your dreams and goals – whether it’s driving 1 truck or eventually owning a fleet – we can help you every step of the way

What type of down payment do you typically require?

It all depends on the credit profile but in most cases, 10% down can get the job done.  Remember, the more you put down, the lower the payment is every month – we guide all our clients as to what the best strategy is for their long term success


Contact First Choice Today at 888-637-0054 x4 

There a lot of good operators in our audience that have a strong work history but may have a few issues on their credit history.  Even though the freight market is growing stronger now, it's been rough the last few years.  Do you offer programs for blemished or damaged credit history?

Yes – we all have had ups and downs in life.  Our job is to not judge but to help and find a solution for them.  We have often suggested to clients with bruised credit to start small – buy a used truck and then as they build up their credibility with the lender, we then move them up into a newer truck.  We have become experts in structuring deals that work for all credit types.  We are not magicians, but pretty close to it!

What is the process for applying?  How soon will you have an answer on a loan?

Process is simple.  We get the client to complete a one page credit application and submit it to us with some supporting documents.  Depending on the client, documents can vary.  We go thru all this during the initial consultation call.  We typically can have a decision within 3 hoursIf the credit is bruised, it could take up to 24 hours.  We keep our customers in the loop during the entire process so they know what is going on.

Does an owner Operator have to be leased to a carrier?  What if it is a single owner operator with his own operating authority?

That’s fine.  It doesn’t matter to us if potential or current owner operators  are with a carrier or running under their own authorities – again, we will walk the client thru all the costs when running under their own authorities and make sure the payment structure we come up with will fit into their monthly budget

What types of financing options are available to owner operators? 

We typically structure all deals as an operating lease.  This is the most beneficial structure from a tax standpoint for owner/operators and businesses in general.

Do you finance trailers also?

Yes.  Trailers are easy. We can finance anything that has a serial number – from trucks, trailers, construction equipment to office equipment.  We can do it all.

Contact First Choice Today at 888-637-0054 x4  

With your history and success in the industry, can you help a first time owner operator or even a veteran owner operator decide on terms that best fit his projected revenue and operating costs? 

Yes – that is our specialty.  During our initial consultation call, we go thru everything in detail and then once the client is ready, we go to the application process

Owner Operators are truly building a future with you and your company.  Building a business is never easy and it's good to have a great finance company as a partner.  You must have a lot of success stories...

Yes – we have many success stories.  We have taken many new comers to the industry and have built them up to small and mid size fleet owners.

We take great pride in our ability to relate to each client and we work closely with them and their budgets to create a win/win.

We are not in this business for the short term – we are here to stay and we believe in building long term relationships.  We have clients who have been working with us year after year.  They feel comfortable dealing with us because they know we are on their side.


Thank you, Neil.  We are very happy to be able to introduce you to our audience! First Choice is an amazing resource for finance options for potential and experienced owner operators!

Contact First Choice Today at 888-637-0054 x4 

Have a Voice with Truck Commercial Loans at First Choice, Chicago!


                                     American Global Express, a small nationwide dry van carrier is growing!  We need quality Owner Operators to share in our growth and profitable freight opportunities!  

100% Owner Operator Fleet!

AGX is a small financially stable company, we don't allow our dispatchers to manage more than 7 owner operators each.  This allows us to provide the personal attention each of our operators deserve, no one ever sits without the load and the rate they deserve.  We offer multiple high dollar loads daily to every owner operator, you decide!  We aren't committed to multiple loads at last years rates from customers, that we try and convince you to haul.  We are free to take loads at the current high market rates! Don't miss out on your chance to take advantage of record setting rates in today's Spot Market!! 

                                                                   CALL US TODAY!  KEITH 314-278-8841 or TOM 314-363-4200 !! OR fill out our simple Online App by Clicking Here AGX APPLICATION or go to https://www.mycdlapp.com/amglobalexp


We Know Owner Operators!  We understand and provide what it takes to succeed in this business, whether you are a first time owner operator or have been doing it for decades, we provide what it takes to succeed in this tough business! What our Owner Operators have to say:

"I deal with same dispatcher here for everything, I get an answer right away for any question I have and am having one of the best years I've ever had since I bought my truck in 2014..." Tom - Memphis, TN 

OUR OPERATORS AVERAGE $2500 PLUS after fuel every week - week in and week out - Lots of available freight, we have owner operators with consistent settlements of $4000-$4500 per week after fuel is deducted.  We have access to abundant profitable loads.  There is no shortage of opportunity here, we have an excellent owner operator program and we understand Owner Operators!

"I have been with American Global Express for over a year, I like having my assigned dispatcher, Dan, always gets me home and gets me the loads I want, I've done better here than anywhere else I've been".... David - Owner Operator, Ft. Smith, AR




CALL US TODAY!! KEITH 314-278-8841, TOM 314-363-4200 or STEPHANIE 620-334-0473!
Or fill out our simple online app AGX APPLICATION or go to https://www.mycdlapp.com/amglobalexp



We Know Owner Operators at AGX!

- 2 HOUR ORIENTATION BY PHONE - no need to travel and sit for days in orientation! 
- Maintenance Advance/Loan Program for our Operators
- Plate Program - Weekly deductions
- Fuel Card
- DEEP Fuel Discounts
- Free Company Trailer Use
- No forced Dispatch
- Dedicated Dispatcher 
- 24/7 Dispatch
- Abundant Profitable Freight - Never sit

CALL US TODAY - 314-278-8841 or 314-363-4200!! OR Fill out our simple Online Application by clicking here AGX APPLICATION or go to - https://www.mycdlapp.com/amglobalexp



TrueNorth and TSA - Save Time, Save Money! Get your Bobtail Quote in Minutes...Call Today - 877-968-8785!  

TrueNorth and the Truckers Service Association are the Bobtail Insurance Leaders in the Trucking industry.  TrueNorth has been saving owner operators money on their bobtail insurance for decades.  Call us today and save!  One of our founding principles is to help the Owner Operators in our country not pay for insurance they don't need, save money on the insurance they do need and to provide the best service in the industry.  We are here to answer any questions you may have.  We are more than happy to explain the definitions of Bobtail and Non Trucking Liability to you, and make sure you have the insurance coverage you need.  See the definition of bobtail insurance below, along with a brief explanation.  
Don't forget, you can always call us with any questions...877-968-8785 TrueNorth Bobtail! 

What is definition of Bobtail Insurance? 

  1. Bobtail Liability Defined:  A term coined to apply to auto liability coverage for an owner/operator after a load has been delivered and while the truck is not being used for trucking purposes.   Wikipedia Definition
  2. Call TrueNorth Today - Best Prices on Bobtail Insurance in the Industry!  877-968-8785

18 Wheels of Justice, Sustainable Truck Driver Retention, Negotiating with Freight Brokers, The Ultimate Guide on Driver Recruiting and Retention - Trademark & Copyright 2012 Michael H. Komadina