About Jayma Qualified
We Finance Your Future,
Not Your Past
Commercial equipment sales and financing for the businesses that build, haul, and move America.
Who We Are
One Shop. Equipment and Financing Under One Roof.
Jayma Qualified is a commercial equipment sales and financing company headquartered in Charlotte, North Carolina. We help trucking operators, construction businesses, and heavy-equipment companies get the machinery they need to generate revenue — whether they are a one-truck startup or a multi-unit fleet.
Most dealers sell equipment. Most lenders fund loans. We do both. That means you can browse our inventory, find a unit from any dealer or private seller nationwide, and get financing — all through one team that understands your operation.
We built this company for the businesses that banks overlook. The startup with a signed contract but no credit history. The owner-operator rebuilding after a setback. The established fleet that needs to move fast on a deal. If you need equipment to work, we will find a way to get you financed.
What We Finance
Trucks. Trailers. Heavy Equipment.
New or used. From our lot or from any dealer or private seller in the country. If it generates revenue for your business, we can finance it.
36–72 mo
Standard term range
Up to 120 mo
Available for select equipment
100% Financing
In qualifying cases
Who We Serve
Built for the Businesses That Build
From single-truck owner-operators to multi-unit fleets. If your business runs on equipment, we speak your language.
Startups
Signed your first contract but have no credit history? We have programs built specifically for new operators. Bring us your business plan and we will find a path forward.
Credit-Challenged
Turned down by banks? We look at your business potential and cash flow, not just your credit score. Our lending partners evaluate the full picture — and we explore every option.
Established Fleets
Growing your fleet and need to move fast? We offer competitive rates, same-day decisions, and a team that understands the urgency of keeping equipment working.
Our Approach
How We Do Business
Future-Focused Credit Decisions
Banks look at where you've been. We look at where you're going. We work with all credit histories — startups, challenged credit, and A-tier — and explore every option to find a path forward.
Buy from Anywhere
We don't limit where you shop. Find equipment at a national dealership or from a private seller — bring us the deal, and we'll finance it. Your operation, your choice.
Relationships, Not Transactions
We stay with you from application to payoff — and beyond. Rate reviews, refinancing, fleet growth. One relationship across every deal as your business scales.
Industry Expertise
Our team knows the difference between a lowboy and a step deck. We understand the equipment, the margins, and the day-to-day reality of running a trucking or construction operation.
“Been turned down three times by banks because we're a 2-year-old company. Jayma looked at our contracts and cash flow, not just our history. We're running four trailers now.”
— Marcus Caldwell, Caldwell Heavy Transport LLC
Memphis, TN
4-Unit Fleet Financed
Ready to Get Started?
Let's Get You
on the Road
Pre-qualify in 2 minutes. Soft pull only, no impact to your credit. Real numbers so you can make a real decision.