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Perry Funding LLC is a privately-owned commercial truck, trailer, and equipment financing company, located in Hagerstown Maryland, near the juncture of I81 and I70. We have been in the lending business since 1982, serving customers nationwide.

Whether you are a start-up owner-operator, or experienced fleet owner, we have finance programs to fit your needs. We have programs for all credit profiles, no matter if personal credit is good, bruised, or poor.

Our two most popular programs for bruised or poor credit, are Programs MT & DF. Program MT requires a 25-30% down payment, and the semi-truck must be a 2008 model year or newer, with less than 700K miles. A warranty will be required for mileage between 650-700K. For a straight truck, the mileage must be less than 200K. Trade-in value also considered. The equipment must be purchased form a licensed, reputable dealer.

Program DF requires a 50% down payment, including free & clear collateral. Trucks, trailers & equipment can be older models, reviewed on a case by case basis. Program DF will also do a private-party sale.

We have many other finance programs, for all equipment types, for good or bad credit, ranging in down payment requirements from first & last payments upfront, to 10%, right up to 50% down.

Another popular transaction with us is a Sale-Leaseback. Unlock the equity in your existing equipment to receive the working capital that you need to grow your business.

We receive referrals from dealers and former customers from all across the United States. I personally have been an owner-operator in the past, in various industries from tri-axle dump service, to residential & commercial trash collection. I do understand your needs when it comes to equipment finance.