Truck Owner Loan Ready Package 2025
Get SBA 7(a), FMCSA, fleet, and mortgage-approved financials in 14 days. Includes P&L with mileage/fuel/per diem, balance sheet, accountant-signed expense letter, and FMCSA-compliant mileage log.
Truck-Specific Docs Included ($399):
- ✅ 2-Year P&L with Mileage, Fuel, Per Diem
- ✅ Current Balance Sheet (Equipment, Debt)
- ✅ Accountant Expense Verification Letter
- ✅ FMCSA-Compliant Mileage Log
- ✅ 6–12 Months Reconciled Bank Statements
Why 80% of Truck Owner Loan Applications Fail
Lenders (SBA, banks, fleet financiers) reject due to missing per diem, mileage logs, or unverified fuel costs. We fix that with FMCSA-compliant, audit-proof docs.
SBA 7(a) & Fleet Loans
- P&L with Per Diem ($80/day): Proves income stability.
- Mileage Log (67¢/mile): FMCSA-compliant, IRS-accepted.
- Equipment Depreciation: Section 179 & bonus (60% in 2025).
- Debt Schedule: Truck loans, trailers, insurance.
Mortgages for Owner-Operators
- YTD P&L with Fuel/Repairs: Shows true take-home.
- Accountant Letter: Confirms $5K+ in deductions.
- 12 Months Bank Statements: Reconciled (business vs personal).
- Cash Flow Projection: 2-year forecast for DTI.
95% of our truck clients get approved. From $399, 14 days.
Your $399 Truck Loan Ready Package Includes
Financials
- ✅ 2-Year P&L (Mileage, Fuel, Per Diem)
- ✅ Current Balance Sheet
- ✅ Cash Flow Projection
Verification
- ✅ Accountant Expense Letter
- ✅ FMCSA Mileage Log
- ✅ Debt & Insurance Schedule
Delivery
- ✅ PDF + Excel Files
- ✅ Lender Submission Guide
- ✅ 1-Hour Review Call
Sample Accountant Expense Verification Letter (Truck-Specific)
Accountant Expense Verification Letter – Truck Owner
[Nexus Tax Books Letterhead]
[Date]
To Whom It May Concern:
I am a licensed tax professional and accountant with Nexus Tax Books. I have prepared the tax returns and financial statements for [Truck Owner Name], EIN [Number], for the past [Years] years.
Based on FMCSA-compliant mileage logs, fuel receipts, and bank statements, I confirm the following 2025 expenses are legitimate:
- Fuel & DEF: $[Amount] (avg. 45% of revenue)
- Mileage (67¢/mile): $[Amount] (124,000 miles)
- Per Diem ($80/day): $[Amount] (210 days OTR)
- Repairs & Tires: $[Amount]
No personal expenses were commingled. Records comply with IRS and FMCSA standards.
Contact: (904) 385-0466 | info@nexustaxbooks.com
Sincerely,
[Accountant Name]
Licensed Tax Professional & Accountant
Get Loan-Ready in 14 Days
- 1. Free Assessment: Upload sample log & statements.
- 2. Secure Upload: Send mileage logs, fuel receipts, bank statements.
- 3. Accountant Prep: Build P&L, letter, log — FMCSA-ready.
- 4. Delivery: Download package + lender guide.
Truck Loan FAQs
Do SBA loans accept per diem in P&L?
Yes — $80/day (no receipts). We include in P&L for accurate income.
What mileage log do lenders want?
FMCSA-compliant (date, origin, destination, miles). We generate from your ELD or app.
Can I use this for a truck mortgage?
Yes — meets Fannie Mae self-employed rules. 95% approval rate.
Get Your Truck Financed in 2025
Free assessment — custom $399 package quote in 24 hours.
Start Free Truck Loan Assessment