Financing for older truck engine rebuild.

Just kind of searching around for alternatives here.
I have a 2000 W900L that runs strong (for the most part), but is developing an oil consumption issue and a couple other things that are only going to get worse with time. That said, I am considering either a rebuild or a recon engine.
These ISX's aren't cheap to rebuild, nor replace. I'm looking at a recon moreso than an inframe, for the peace of mind of all newer components like compressor, water pump, etc. and the better warranty for what that's worth. Also the downtime factor plays a big role in that decision.
I'm finding that most financing companies that claim they know the trucking industry don't know a 1/4 of what they claim to. My intentions are to run this truck another 12-13 years until I'm done "playing trucks", or until it's no longer as much fun as it has been the past 34 years, lol.
I recently was shot down for this, kept in suspense for a week by a lender claiming this "wouldn't be a problem", with the plan being they'd pay off the existing amount owed to another lender I have the loan with currently, and just roll this engine project into the new loan. Come to find out the underwriters weren't interested, being the truck is 15 years old...Not a credit issue, not anything wrong as far as business goes...
I rebuilt everything from the sleeper BACK over the past year, including many other things intending to run this non-emissions truck for the next several years. If I put a recon ISX in and a new radiator, it's a brand new 2000 KW, with a total of $50,000.00 invested including the payoff. I don't see many 2000's in this mechanical condition anywhere online for sale under $50,000.00, especially pre-emission engines. I do however, see many new trucks loaded up with things that throw exhaust back into the intake, for over $150,000.00 and up.
I'm wondering if there is a truck-savvy lender out there that understands the true meaning of keeping an older truck operable, and out of the shop for emissions and DPF-related downtime by doing just what I am doing, that would do this kind of deal?
It baffles me to no end, that they're (lenders) so excited to let a new truck buyer sign their life away on something that is never going to work out, or if it does they will be in and out of the shop constantly, jeopardizing their job with excessive downtime...but turn their nose up to a seasoned one that has stood the test of time and just wants to get a few more years out of it by rebuilding what he has and making it work.
This is the part of this business I hate the most out of it all...the wonderful world of financing.
Any suggestions on some above-average truck savvy lenders out there that would make this thing go the way it should?
MY next move would be to just keep a good supply of motor oil in stock, keep the pan full and just start a slush fund so by next year if this engine makes it that long...just pay cash. I just look at the cost of that much oil over the course of a year and say..."ouch"...but a man's gotta do what a man's gotta do in this world.

 

That's my sole intention, but my two credit unions aren't that savvy with trucks to see the forest through the trees I guess. I have a line of credit for business currently, however no where near the amount needed for this big of a transaction. It's basically for emergency repairs, tires, etc. I'm going to see about increasing it so I can do this job.
A sliver of light though; I changed the thermostats and flushed the cooling system, and changed the fan sensor Tuesday this week, and got it to behave like it should now, with the exception of the "dribble" / oil seepage issue that is actually "acceptable" for a while, until I get this landed properly. Today I had a CEL that ended up being a "low fuel pressure" issue, so I took care of that plus I pressure tested the charge air system and found 2 boots leaking ever-so-slightly, so I replaced all four of them, and got my exhaust temperature down to an acceptable number now too. So to conclude, I did everything I had to in order to make it last a considerable amount longer, until I get over the hurdle of funding the "big project". I'm leaning (and hoping) towards getting through the winter and into next spring whereas I'll actually have it under control enough to fund it myself by that point.
I would have last winter season, but I invested just south of $25,000.00 into the other necessary things that needed to be done aside from this one truck too, so now that that's behind us, we'll continue forward.
I have a couple of trucks I run, and do other things besides just act as an o/o, so my situation may vary slightly from the average guy's perspective here...but I was mad, discouraged, and disgusted yesterday so I "vented" too quickly here looking for other outside opinions from some seasoned guys like myself...didn't mean to get too personal, but that's what you have to do sometimes to get your head screwed on straight. Other people's input (depending on their view of course,) can be healthy (or detrimental) so that's why I stopped by.

Thanks for the input, I think I'll be all set now that I chased down and conquered those mechanical issues the past couple of days. The rest of the deal can wait now.

 

Thanks FLATBED, that's another side to my business, is moving equipment, machinery, etc. for customers all over the northeast besides running this 2000 W900L about 60% of the time at the moment. The goal is to do ALL machinery and whatnot using this and another rollback and phase out of the other, but it's hard to let go of the rope so to speak, when you've been at something that has always been consistent enough to sustain things when the other is slower, and vice versa.
Again, thanks for the input...everybody needs to vent once in a while lol...

 

When the time comes, I'll arrange something. Right now I got this engine to behave itself for a while by changing thermostats, flushing cooling system thoroughly and now it's doing fine. I plan on squirreling away as much cash as possible over the busy season so I can have the majority of the money ready.

MTV90; good thinking, but $10K doesn't buy the cylinder kits for an ISX unfortunately. It's $10K X 3 for these animals for a recon engine by the time you do it the right way, with a new clutch, etc.