Waste & Vacuum Truck Financing
You’re turning stops away, or running one truck two shifts to hold a schedule you already committed to. A route expands faster than the equipment underneath it ever does. Vacuum trucks, septic pumpers, hydrovacs and roll-off trucks get financed at exactly that point, new or used.
Get approved. Get equipment. Get to work.
- Amount
- $25,000 and up
- Term
- 24 to 72 months
- Down Payment
- As low as 10%
Route Work, Tank To Chassis
- Septic pumpers, vacuum trucks, hydrovacs and roll-offs
- Grease-trap units and portable-toilet service trucks
- Chassis and upfit on one application, so you are not floating the build
- Any tank size or pump, including sizes dealers do not stock
- New or used, any make. Owner-operators and route buyers welcome.
Vacuum Truck Financing With Bad Credit
Most of these trucks get bought to cover work that already exists. Somebody is retiring out of a route, or a municipal contractor picked up stops he can’t cover with the units he has. That is recurring revenue with a truck attached, and it reads differently than a one-off haul once a lender understands it. Banks mostly don’t, and they will sort you by score and time in business instead. The paperwork showing those stops are yours changes what the file is worth, and so do the tank and pump, which hold their value in a way a bare chassis does not. If your credit is rough, tell us before we take the file out, not after.
Plenty of these trucks end up doing hydro-excavation for utility crews, which pays better than pumping. Spec the tank and pump with that in mind while the truck is still a quote.
On The Build And The Handover
Does an older truck kill the deal?
Chassis age is not where the evaluation actually starts. The upfit is. Build sheets and rebuild receipts, whatever documentation the previous operator kept, are what turn an older truck into a file somebody can underwrite. Bring the pump make and hours.
The tank size I need is not sitting on any lot. Can I still finance it?
Built to order, which puts the money on two clocks instead of one: the chassis seller expects payment at delivery, and the upfitter invoices later, when the finished truck comes off his floor. Those two dates do not reconcile themselves. The order of payment gets worked out while both quotes are still open, not after a deposit is down.
Can I finance a truck to take over a route?
A route sale and a truck sale are two separate transactions closing the same afternoon. The truck is the easy half. The stops only change hands when a signed transfer says they do. That paperwork is what an underwriter wants to see, ahead of anything else in the file. With it the deal is straightforward, and without it you’re financing a truck and calling it a route.
Once The Stops Are Covered
Same one-page application. Most of the people we work with run more than one kind of machine.
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.