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About Us

We've been in the business of trucks since 1974

With over 50 years in the trucking industry, we understand your business and will offer the same prime financing experience regardless of if you are financing your first truck or need multiple trucks to add to your fleet. 

The Sovereign Difference

We understand how to help you get the right kind of financing, the best rates based on your individual credit, and can include warranty, insurance, used trailers, upfits or other items into your loan. 

Financing Application

Why Finance With Sovereign Equipment Financial

Whether you're starting with one truck as an individual owner-operator or adding multiple trucks to your fleet, we can help. The Sovereign difference ensures you get the right financing, the best rates for your credit, and can include warranties, insurance, used trailers, upfits or other items in your loan. The best dealership, immediate answers.

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Industry Experience

Specializing in trucks since 1974

Regardless of buying one truck or 10, at Sovereign, we understand the unique needs and challenges of the trucking industry. This expertise allows for tailored financing solutions that cater specifically to truck fleets and owners and operators.

Competitive Rates

Save money long-term

Leveraging strong relationships with various financial institutions, Sovereign Equipment Financial can offer competitive financing rates. This can potentially save you money over the term of your loan.

Convenience

Simplified transaction time

By financing directly through Sovereign Equipment Financial, you can streamline the purchase process. Handling both the acquisition of your truck and the financing at one location simplifies the transaction and saves time.

Flexible Terms

Tailored to your needs

Understanding that every business has unique needs, Sovereign Equipment Financial offers flexible financing terms. This flexibility can help manage cash flow and meet business-specific financial goals.

Expedited. We Have Lending Onsite.

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Commercial Installment Financing

Want to own your own vehicle? Get flexible financing that meets your changing business needs.

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Types
  • Traditional Buy
  • Fully Amortized Loan
  • Sell or Trade Anytime
  • Pay Off Anytime
Eligibility
  • New, Certified Pre-Owned or Used Vehicles
  • Freightliner, Western Star, Ford
  • Used Trailers, Flatbeds or Other Used OEM Vehicles
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Meet Our Team

Manager of F&I Services
Roy Bailey
Meet Roy

Roy brings more than 30 years of leadership, finance and trucking management experience to his role at Sovereign Equipment Financial. Roy earned an Undergraduate Degree from Morehouse College, and a Master of Business Administration with a concentration in finance from the University of Phoenix.

Roy's experience, expertise and leadership has provided much value to Peach State Truck Centers customers for many years and is thrilled to be able to continue to assist customers from Sovereign Equipment Financial.

Chief Financial Officer
Greg Finn
Meet Greg

Greg has 25 + years’ experience in the commercial truck industry. He began his career as a controller for a dealership group in Utah and quickly transitioned into the CFO role. After 17 years there, he moved into a consultant role for KEA Advisors, where he remained for five years. Greg then spent the next four years as CFO for a large truck dealership in Seattle prior to joining Peach State in August of 2021.

Greg has served on several dealer advisory boards including DMS and dealer facility advisory boards. He graduated with his accounting degree from the University of Utah and with his MBA from Weber State University. Greg also completed the Executive Dealer Leadership Program at UCLA.

Sr. Credit Analyst
Alex Rodriguez
Meet Alex

Alex has 10 years experience in transportation finance industry and has years of experience with credit underwriting and all aspects of loan servicing. 

Alex is originally a native of Dallas, Texas who recently moved to Atlanta. He attended Baylor University and majored in accounting. In his free time you can find him playing golf, doing home renovations, and spending time with family.

24/7 Support + Account Management

Our team of experts is committed to ensuring you have a positive and pleasant experience, both financing your vehicle or fleet, but also throughout the entirety of your loan period. You can quickly and easily check the status of your loan approvals and payments any time, from anywhere through your secure account dashboard. If you have questions for us, simply submit those through your portal and receive real-time notifications of responses. 

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Frequently Asked Questions

Yes. The best way to apply is through your Peach State Truck Center’s salesperson. They will send a secure link where you can complete the application and upload supporting documentation safely. You can use your smartphone, desktop, laptop or tablet to complete the application.

The first step is to complete a credit application and upload your driver’s license or identification documents. We require all the standard elements as a part of completing the credit application.

Some of those include social security number, employment history, tax ID, prior finance account information, references, personal credit and others. Each loan is different, some may require more points of information, and some may be completed based on fewer elements.  The amount of information required is based on your individual information. It is always important to complete the application as we have various financing options and we can contact you with the

Yes, that is absolutely a possible option. We recommend you follow the steps to complete a credit application and upload your identification information. The best way to apply is through your Peach State Truck Center’s salesperson. They will send a secure link where you can complete the application and upload supporting documentation safely. You can use your smartphone, desktop, laptop or tablet to complete the application.

Yes. Once your loan is funded you will receive a welcome kit that will explain how to access your account.

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