PIB TIP: BASICS FOR A LOAN. You’ll need a budget, a business plan and a cash-flow statement when you apply for a loan. A detailed budget will assure the lender that you can meet the financial obligations of owning a truck. A cash-flow statement shows that your projected revenue will be sufficient to meet current obligations. 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.