Truckers · Contractors · Business Owners
Dump Truck Financing
Tri-axles, quad-axles, super dumps, and articulated haulers — new or used, dealer or private party. If you have the work lined up, we will find the paper to put you in the truck.
Get approved. Get equipment. Get to work.
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Zero Down Programs available
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Same-Day Approvals
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Working Capital Up to $5M, same day
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All Credit Considered
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New / Used Any make or model
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Startups OK when applicable
- Amount
- $25,000 – $250,000
- Term
- 24 – 72 months
- Down Payment
- As low as 10%
- Credit
- Challenged credit considered
What we finance
- New and used, any year — including private party sales
- Seasonal payment structures for road and site work
- Owner-operators and first-time buyers welcome
- Fleet packages for multiple units on one application
Bank said no?
A declined bank application is the most common reason people call us, not a disqualifier. Banks underwrite to a narrow box: two years of returns, a clean score, and a category they already understand. We work with lenders who look at the whole file — your time in business, your cash flow, and the equipment itself as collateral.
Ten-plus years, 100+ industries, all 50 states and Canada. One page to apply, and a real answer in about a day.
Common questions
Can I finance a dump truck with bad credit?
Often, yes. We work with lenders who look at the whole picture — time in business, cash flow, and the equipment itself — not just a credit score. A down payment or a strong work history can offset a weak score. If a bank has already declined you, that does not end the conversation here.
What down payment do I need for a dump truck?
Typically 10% to 20%. Stronger credit and longer time in business push that number down; newer businesses or challenged credit push it up. Some programs allow first payment only for well-qualified buyers.
Can I finance a dump truck from a private seller?
Yes. Private party purchases are common in this category and we fund them regularly. We handle the title and lien work directly with the seller so you are not managing that paperwork yourself.
How long does dump truck financing take?
Most applications get a decision within 24 hours. Once approved, funding usually follows in one to three business days depending on how quickly the seller returns title paperwork.
Get Approved. Get Equipment. Get To Work.
No excuses. No BS. Tell us what you need and we’ll tell you honestly where you stand.