Ask About Our Bucket Truck Financing Promo!
Liberty Capital accommodates clients with financing options that keep working-capital outlay low and cash flow healthy.
Current Promotion — Save on Cash Flow
Promotions subject to credit approval and program availability; terms vary by credit profile, equipment, state, and time in business.
What You Get with Liberty Capital
- Fast, simple online application — No financials up to $250,000
- Corp-only (no personal guarantee) available on select programs
- Up to 120% equipment cost (include soft costs)
- Funding up to $5,000,000 with financials
- 12–72 month fixed payments
- No down payment for qualified borrowers
- Lowest rates available for well-qualified borrowers
- New or used bucket trucks eligible
- Won’t appear on personal credit reports (corp-only programs)
- No pre-payment penalties on select structures
Financing Structures
- FMV (Off-Balance Sheet) — Fair Market Value, 10% FMV options
- Capital Lease — $1 Buyout to own at term end
- EFA – Equipment Finance Agreement (similar to a loan; ownership throughout)
- Lease Rental Purchase Option (RPO)
Program Snapshot (Bucket Truck Financing)
| Program Type | Ownership | Typical Term | Use Case | Notes |
|---|---|---|---|---|
| EFA (Equipment Finance Agreement) | Borrower | 12–72 months | Most common for new/used units | Behaves like a loan; includes soft costs |
| Capital Lease – $1 Buyout | Lessee → Owner at End | 36–60 months | Plan to own; predictable payments | Often best for used bucket trucks |
| FMV Lease (Off-Balance Sheet) | Lessor | 24–60 months | Lower payments; upgrade flexibility | Option to purchase at FMV (e.g., 10%) |
| RPO (Rental Purchase Option) | Purchase at End | Varies | Bridge from rental to ownership | Useful when evaluating a unit in the field |
Should I Buy from a Dealer or a Private Seller?
Both can work. Lenders generally favor dealers due to inspection, reconditioning, and title support. Private seller deals can be riskier and may require concessions (e.g., repairs, additional collateral).
| Dealer | Private Seller | |
|---|---|---|
| Pricing & Availability | Usually higher sticker, more inventory | Potentially lower price, limited selection |
| Condition & Inspection | Reconditioned, inspected | “As-is”; higher diligence needed |
| Lender Comfort | High — streamlined funding | Moderate/Low — may need DP/collateral |
| Time to Fund | Faster | May require extra steps |
When a unit is non-operational or salvage, expect stricter terms, additional collateral, or a different structure.
Can I Finance a Bucket Truck with Bad Credit?
Yes. Approval is possible when the deal is structured right. We do soft inquiries (no application fees; we don’t sell your information).
Three Ways to Strengthen Your File
- Down Payment
- Security Deposit
- Additional Collateral (being a homeowner helps, even if not pledged)
Credit challenges (collections, repos, bankruptcy, liens, child support, judgments) don’t end the conversation—specialty lenders exist with varied appetites.
Why Finance or Lease?
- Preserve Cash Flow — avoid large upfront hits
- Predictable Payments — easier budgeting
- Include Soft Costs — delivery, installation, warranties, service agreements
- Inflation-Buster — pay with tomorrow’s dollars
- Potential Tax Benefits — consult your CPA for Section 179/bonus depreciation
How to Apply with Liberty Capital
- Complete our 1-page application — pre-approvals up to $250,000 without financials/tax returns.
- Submit your invoice and recent bank statements.
- We structure the best fit (EFA, $1 Buyout, FMV, or RPO) and target next-day approvals.
We work with startups and established companies to finance used or new bucket trucks at competitive terms—often with very little out-of-pocket.
Serving small businesses for over 20 years. Liberty Capital Group, Inc.
Your Guide to Bucket Truck Financing
Bucket truck or used equipment can be an investment and an asset builder for most small business owners. Instead of tying up working capital or operating capital into buying a fixed asset that can pay for itself, utilize your working capital for other expensitory types of spending.
Financing and leasing can give ownership with a free and clear title upon completion of the financing term. With flexible low monthly give your business the flexibility to use working capital for other business related expenses. Once owned, it can liquidate or sell to gain access to capital if you are no longer using the equipment. Bucket Truck Financing is the best way to gain asset without having to put out money upfront. It retains its value. You can let the equipment pay for itself.
Equipment Financing Bucket Trucks can come with many benefits. Some of them passes their amortization life therefore, you still have cash behind it as long as it has a market for it, but knowingly, bucket trucks falls under heavy equipment or commercial trucks which typically has a secondary market. For lender to resell leased returned trucks or repossessed trucks give them some of their initial investment back.
Your Monthly Payment Financing Options for Bucket Trucks
Features | Business Term Loans | Equipment Leasing | Equipment Financing |
Ownership Requirements | 50% | 100% | 100% |
Initial Costs | $0 (orig fees) | Low to moderate | Varies |
Monthly Payments | Monthly, Daily, Weekly | Monthly | Monthly |
Credit Minimum: | 550 | 600 | 650 |
Fund Disbursements | Client | Vendor | Vendor |
New/Used Equipment | n/a | Yes | Yes |
Maximum Term | 24 months | 60 months | 60 months |
Time in Business | 3+ years | Startup OK | Startup Ok |
Interest Rates | Moderate | Low | Low |
Application Only | $150K | $250K | S250K |
Funding Time | Same Day Funding | 1-3 days | 1- 5 days |
Compare Business Loans, Equipment Financing and Merchant Cash Advance
| Business Loans | Equipment Finance | Merchant Cash Advance |
Application Only | Up to $150K | up to $250k | up to $250K |
Underwriting Difficulty | Median | Median | Basic |
Pre-Credit Docs | Application, Tax Returns, Statements | Application, invoice, bank statements | Application, bank statements |
Credit Minimum | 650 | 600 | 500 |
Time in Business | 2 years | Start-up Ok! | 6 months |
Min Monthly Revenue | $50,000 | Pre-revenue OK! | $5,000 |
Needed To Fund | VC, DL, proof of ownership | Vendor invoice, VC, proof of ownership | VC, DL, proof of ownership |
Maximum Term | 3-7 Years | 5 Years | 24 Months |
Bucket Truck Financing Solutions Typically will involve two primary options:
With bucket truck financing, Liberty Capital can help you get the right financing fast and affordable. Whether you take dollar buy out lease, equipment financing agreement (EFA) or fair market value, these types of commercial truck financing assure you get the approval you need. Some banks or equipment lenders won’t finance used bucket trucks that are over 10 years old, or 5 years old, but with Liberty Capital, we have no age restriction on used bucket truck financing. Even with over 10 years old, Liberty Capital can still offer you term up to 5 years, with monthly payment and with very little down payment.
Feature | Equipment Loan | Equipment Leasing | Equipment Financing |
Ownership | Yes, after loan repayment | No, unless purchase option is used | Varies |
Initial Costs | Moderate to high | Low to moderate | Varies |
Monthly Payments | Fixed | Fixed | Variable |
Tax Benefits | Interest & depreciation deductions | Lease payment deductions | Depends on tax structure |
Risk of Obsolescence | High | Low | Varies |
Maintenance Responsibility | Yes | Sometimes included | Varies |
Long-term Costs | Potentially lower | Potentially higher | Varies |
Flexibility | Moderate | High | High |
