PIB TIP: SEEK THE BEST LENDERS: Captive lending companies are owned by equipment manufacturers. They often are more willing than banks to lend money to new owner-operators because they are in the business of selling trucks. Also, some commercial lending institutions cater to the trucking industry. Check with your used truck dealer, who may refer you to lenders other than captive finance arms. The Partners in Business program is produced by Overdrive and the consultants at ATBS, the nation’s largest owner-operator business services firm, and is sponsored by Freightliner Trucks.