I hope this is the right subreddit. I'm still kinda new to Reddit. ​ First, a little about myself. I'm a truck driver and I've been wanting to buy my own truck and work for myself. I've been driving for roughly eight years now. I did work for myself for about two years but I leased a truck through the trucking company so I know how to run the business. It's not hard to make money in trucking. I stopped doing it so that I could be home with my family more. ​ I currently work for a company and I have a dedicated route that I drive every night. I've asked if they'd pay me to do it as an owner/operator, since the route gets me home every day and is about 2,675 miles a week. Plenty to pay for a truck, et al. I don't want to lease a truck again because that costs way more than buying one. ​ The problem I'm running into is that it takes a bit of money to get started. A truck could cost about $160,000, plus permits, etc. I looked into getting a business loan, but the banks want the business to have been operational for several years already at least, and lots of proof that it's profitable. Also, as far as my personal credit goes, I recently filed for bankruptcy because of some old debt from a time before I became a truck driver and had a new family and had difficulty finding work, since it was shortly after the recession. ​ How do you get a business started when they want you to already be in business to give you a loan? My other issue is my personal credit, but how is anyone supposed to make their lives better when past issues follow you forever? I had a hard time for awhile some time ago, but I know what I'm doing with the business and it's easily profitable if you're aware of all the expenses, which I am. ​ I just don't know what to do and I'm tired of dealing the the garbage equipment these companies want me to use and I'd like to feel more independent. Any sincere advice would be appreciated.