he EU who offer creative financing solutions differ from the sales of manufacturers and distributors of medium-duty and heavy-duty trucks in the EU who offer creative financing solutions who do not offer creative financing solutions?
A number of terms that will be used in the proposed study require definition in relation to their proposed use. These terms and their definitions are as follows:
Creative financing solution or innovation in financing for the medium-duty and heavy-duty truck market in the EU: A financing program that is tailored to the needs of small operators in the road freight-hauling industry in the EU, wherein such needs include (a) low or no down payment, (b) flexible repayment schedules, (c) cash flow management services, and (d) maintenance financing. Such creative financing program include the following types:
Loan or straight financing: The customer owns the equipment and the finance company shows an interest in the equipment in the form of a lie
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