Hi.I am from South-Africa so I'll convert everything to US dollars for everyone's convenience.I'm just gonna jump straight ahead.I have $12 000 to my disposal.I'm starting a business and I know as future business owner I probably need to know these answers to my questions ,but I dont,and I believe somewhere out there someone is going to help me. I would like to buy a truck.I can find a decent secondhand truck for $10 000.That will leave me with $2000.Which isnt nearly enough for starting capital. Say I go to the bank,can I ask them for a loan of $10 000,pay the guy in full for the truck,then pay $3000 to the bank and pay the rest down on installments?And of course the truck will be an assett.With me having put down $3000 that means I will owe them $7000 plus interest.Now the truck will be more valuable than that so say worse case scenario I cant pay my installments,they cant loose any money if they reposes the the truck and sell it?? (p.s. I virtually have no credit history).