financing a trailer , flatbed , where ?

CAG truck Capital is a big lender for used equipment. For that price, I think a local or regional bank in your area would finance it. That’s how Ingot my first truck and trailer, a regional bank; the big ones had zero interest in financing a trucking operation.

 

Make up your mind, come signature time you are paying for it, with a note from financing or your own pocket, there is nothing in between

What he said was perfectly accurate, per your post, you're looking to finance it, a local bank is the right choice if you don't have a decent sized (20-50k) rotating line of credit.
Even if you put it on a cc, that's financed

 

If you refuse to accept the advice of people that have been there before, why ask?

Do not let the dealer finance it, this is rule #1 saving you money on a car purchase, why change that just because it's a big trailer?

Also if you've got 13.5 cash, wait another month or 2 for the remainder, problem solved