Direct Line Equipment Finance was built on a simple idea: truckers deserve a finance partner who speaks their language.
Not a faceless bank. Not an algorithm deciding your future from a server farm somewhere. A person who picks up the phone, understands what you\'re trying to do, and gets you answers fast.
From owner-operators buying their first semi to established fleets expanding their routes, we structure financing that works in the real world — where diesel prices move, freight rates shift, and timing matters more than anything.
Three things shape every deal we put together. No exceptions.
When a deal comes across your desk, you don\'t have two weeks to wait. Most of our approvals come back in under 24 hours. You move as fast as the opportunity.
No hidden fees. No buried terms. No surprises at the closing table. You\'ll know your rate, your payment, and what happens if things change — before you sign.
You get one point of contact who knows your business. When you call, you reach a person who remembers you — not a phone tree that transfers you six times.
Kevin Caicedo founded Direct Line Equipment Finance to fix what he kept seeing in the industry: truckers getting bounced around by lenders who didn\'t understand their business. Endless forms. Slow decisions. People making calls from behind a desk who\'d never been near a loading dock.
Direct Line was built to be the opposite. Every client works directly with Kevin. Every quote is honest. Every deal is structured for how trucking actually works — with the seasonality, the fuel volatility, the long invoicing cycles, and the reality that sometimes your truck breaks down on a Tuesday and you need to be rolling again by Thursday.
Whether you\'re scaling your first rig into a full fleet or just trying to replace an aging tractor before it costs you another load, Kevin is the guy to talk to.
Get in Touch →Trucking is hard work. Financing shouldn\'t be.
Apply online or give Kevin a call. Either way, you\'ll hear back fast.