B
BULLDOG
Truck Leasing
Owner-Operator Lease-to-Own

A bank sees
a credit score.

We see a driver.

Your miles. Your carrier. Your revenue. Your hustle. We underwrite what actually predicts success on the road — not a three-digit number from your past.

15
Underwriting criteria
beyond FICO
48hr
Average approval
turnaround
$6K
Driver down —
no hidden fees
Pre-Qualify in 2 Minutes

Talk to us before you go bank to bank.

No credit pull at this stage. A real person calls you back — same day.

Soft conversation only. We talk before we run anything on your credit.

✓

We got you.

Someone from our team will reach out today.
We'll ask about your situation and give you a straight answer.

✓Fresh PM Completed
✓DOT Ready
✓175-Point Inspection
✓90-Day Warranty
✓Cummins Powered
✓In-House Approvals
Why Bulldog

Built for drivers banks don't understand.

Three things make us different. Each one exists because we've watched good drivers get denied for the wrong reasons.

01

We Underwrite the Driver

A 15-criteria scorecard weighs your carrier, experience, revenue, and payment history. Credit is one factor — not the gatekeeper.

See the scorecard →
02

You Pick the Carrier

Drive for the carrier of your choice. As long as the carrier has a good safety rating, you're good to go. You're in control — not locked into someone else's program.

03

Real Path to Ownership

30-month lease, $8,000 residual at the end. Pay the buyout and the truck is yours — no balloon surprises, no perpetual lease trap.

See the terms →
Trucks We Lease

What you'll drive.

Representative of the class of truck in our program. Exact year, mileage, and spec depend on what's on the lot when you're ready.

2022 International LT low-mileage sleeper

2022 International LT — Low-Mileage Sleeper

Cummins X15 450HP Endurant 12-spd Auto Raised Roof Sleeper 250K–350K mi Air Ride · Tandem
$2,000 / mo $6,000 down · 36 months · 90-day warranty
2021 International LT sleeper

2021 International LT — Sleeper

Cummins X15 450HP Endurant 12-spd Auto Raised Roof Sleeper 350K–450K mi Air Ride · Tandem
$2,000 / mo $6,000 down · 30 months · 90-day warranty
2019 Freightliner Cascadia day cab

2019 Freightliner Cascadia — Day Cab

Detroit DD15 DT12 Auto Day Cab 300K–400K mi Air Ride · Tandem
$2,000 / mo $6,000 down · 30 months · 90-day warranty
Coming Soon Mack Anthem
Low Miles

Low-Mileage Mack Anthems — Coming Soon

Mack MP8 mDRIVE 12-spd Sleeper Low Miles Air Ride · Tandem
Inventory inbound Call (888) 607-0998 to reserve your spot

Inventory rotates. These are the classes of trucks we lease — ask us what's on the lot right now. Real photos of current inventory are available on request.

How We Underwrite

We look at what banks don't.

Our proprietary scorecard evaluates 15 criteria across four tiers. Credit is one input — not the gatekeeper.

Tier 1 — Highest Weight
Carrier quality & safety record Owner-operator experience Monthly gross revenue Secured payment history
Tier 2 — High Weight
CDL tenure Down payment readiness Cash reserves Income vs payment ratio
Tier 3 — Moderate Weight
FICO score Collections history Charge-offs Address stability
Tier 4 — Context
First-time vs returning O/O Replacement vs additional truck Referral source
Program Terms

Built for working drivers.

Transparent math. No hidden fees. If a number changes, it's because the truck changed — and we'll show you why.

Equipment
Class 8 tractors, 2–5 years old
Lease term
30 months
Monthly payment
$2,000/mo
Down payment
$6,000
Residual buyout
$8,000
Carriers accepted
Landstar, Mercer, JB Hunt, Schneider, Werner, Swift + many more
The Real Math

$2,000 isn't the story. Freedom is.

You're not paying $2,000 to drive a truck. You're paying $2,000 to escape the system that's been taking $10,000+ of your gross every month and giving you nothing back.

Path 1 — Company Driver

Steady paycheck. Zero upside.

  • ~$4,000/mo typical paycheck
  • Carrier owns your time, your lanes, your home schedule
  • No equity. No asset. No business.
  • W-2 taxes off the top before you see a dime
After 30 months: same paycheck. Nothing on your books.
Path 2 — Carrier Lease-Purchase

Looks like ownership. Isn't.

  • $12–15K/mo typical gross (after deadhead)
  • $1,500–$2,500/mo lease deducted from your settlement
  • Forced fuel, forced freight, forced maintenance program
  • Truck-swap clauses keep you from ever finishing
After 30 months: still leasing. Truck usually goes back.
Path 3 — Bulldog O/O

Your truck. Your carrier. Your money.

  • $14–18K/mo gross — your carrier, your lanes
  • $2,000/mo lease — roughly 12–15% of gross
  • You pick the freight, the fuel stops, the home time
  • Title transfers to you at month 30
After 30 months: truck is yours. Real asset on your books.

Three years from now, a company driver still has the same paycheck. A lease-purchase driver still owes the carrier. You own a truck — and a business.

Who Qualifies

Experienced owner-operators. That's our lane.

If you've been running your own truck — or you're stuck in a carrier's lease-purchase plan trying to get out — you're exactly who we built this for. Brand-new drivers and company drivers looking to make the jump for the first time aren't the right fit yet.

Minimum Qualifications
  • 525+ FICO preferred (close cases discussed)
  • 2+ years CDL-A driving
  • No open bankruptcy
  • No recent repossession
  • Proof of income (3 months bank statements)
  • $6,000 down + proof of funds

✓ 2+ years of O/O experience

Under your own authority, as a 1099 contractor, or inside another carrier's lease-purchase program. Experience is Tier 1 in our scorecard — it matters more than credit.

✓ Trapped in a lease-purchase? Heck yes.

If your current carrier's program is designed so you'll never actually own the truck — miles that don't qualify, rates that don't pencil, a residual you'll never hit — let's talk. This is our sweet spot.

✓ $6K down

Standard minimum to get into a truck. Cash tight? Call us — there are paths worth discussing before you write off the idea.

✓ Dicey credit? We're used to it.

Thin files, collections, past bankruptcies — we've approved them. FICO is Tier 3 in our scorecard. Carrier history, revenue, and payment track record matter more.

Real Drivers, Real Approvals

Declined by a bank? Good. Talk to us.

"Bank said my credit was too thin. Bulldog looked at my 3 years with Werner and my revenue — approved in two days."
O/O Driver · Daycab lease, Georgia
"I had a rough patch during COVID. Every lender saw the score. Bulldog saw that I'd been running steady freight for 18 months since."
O/O Driver · Sleeper lease, Tennessee
"First lender that asked about my carrier and my freight lanes instead of just pulling credit."
O/O Driver · Sleeper lease, South Carolina
How To Apply

Five steps. Most drivers are on the road within the week.

No bank runaround. In-house approvals from a team that actually understands trucking.

  1. 1

    Submit Pre-Qualifier

    Two-minute form. We talk before we run anything.

  2. 2

    Send CDL + Bank Statements

    CDL front and back. Three months of business banking. Proof of carrier or authority.

  3. 3

    In-House Review

    Our underwriting team reviews against the 15-criteria scorecard. No waiting on a bank.

  4. 4

    Pick Your Truck

    Inspect the unit. Confirm specs. Sign the lease.

  5. 5

    Drive Away

    $6,000 down at signing. Keys in hand. Hit the road on your carrier.

Ready to talk?

Pre-qualify online in two minutes — or skip the form and call us direct.

Pre-Qualify Now →

Or call (678) 679-7950 — a real person picks up.