Truck Finance

With the down market I feel like it is time to take the next step. I have been leasing for a little while now and am comfortable that this is the way I want to go. With the market being the way it is truck prices are still low. So I think now is a decent time to buy. This is the basis for my question.

A few years ago I owend a Auto Repair business. That went belly up and I ended up filing bankruptcy. Of course that is discharged. But this means I need a lender who is willing to do higher risk loans. I am not looking for a new truck just basic entry level equipment. I train drivers so my needs are simple, double bunk and 10 spd trans. A nice truck of course would be nice but hey practical comes first. I am paying $1250 a month for my lease truck now and find that payment range to be comfortable. Of course we all know for the same money I could buy a nicer unit than I will ever get in a lease. So does anyone have any suggestions on dealers or lenders I may look into?

As far as a down payment goes I will offer what I need to. I prefer to offer as little as I can and keep my payments low. I feel I would be better served to save some cash for repairs, breakdowns, payments in bad times and so on. So yes I do have down money but I dont want to give all that I have either.