Water Truck Financing and Leasing
Best Guide to Water Truck Financing and Leasing
Most banks won’t do used Water Trucks that’s over 5 years old, but Liberty Capital will do used water trucks, water tanks, vacuum water trucks whether you want to buy from a dealer or private seller, you will get the best financing with Liberty Capital. Based on how the condition report returns, a 15 year old commercial trucks can still get approved for up to 60-month financing term with our water truck financing programs.
Water Truck Financing & Leasing
Best guide to financing water trucks & tanks — new or used, dealer or private-party. Approvals possible up to 60-month terms, even on older units (condition-dependent).
Why Water Truck Financing Matters
- Preserve working capital for crew, marketing, and ops
- Hedge inflation: lock fixed payments as prices rise
- Match asset life with 36–60 mo terms
- Section 179 potential on capital structures (ask your CPA)
Choose the Right Structure
- Equipment Financing (EFA): You own day one; lender files lien. Straight amortization.
- Equipment Leasing: FMV or $1 buyout options for lower payments or ownership certainty.
- TRAC (for titled vehicles): Predetermined residual; popular lease-to-own path.
- Term Loans: Working capital needs tied to broader operations.
Depreciated assets can still carry terminal value beyond the amortized term. Structure to your balance sheet and tax strategy.
Affordability & Inflation
Spreading cost over up to 60 months lowers fixed payments and lets the truck pay for itself in the field. While inflation rises, your payment doesn’t — classic cash-flow protection.
Compare Water Truck Financing Options
| Features | Business Term Loans | Equipment Leasing | Equipment Financing (EFA) |
|---|---|---|---|
| Ownership Requirements | 50% | 100% | 100% |
| Initial Costs | $0 (origination fees) | Low to Moderate | Varies |
| Monthly Payments | Monthly / Daily / Weekly | Monthly | Monthly |
| Credit Minimum | ~550 | ~600 | ~650 |
| Fund Disbursements | Client | Vendor | Vendor |
| New/Used Eligible | n/a | Yes | Yes |
| Maximum Term | 24 months | 60 months | 60 months |
| Time in Business | 3+ years | Startup OK | Startup OK |
| Buyout | None | $1 / 10% FMV / FMV | EFA — Ownership |
| Application-Only Max | ~$150K | ~$250K | ~$250K |
| Funding Time | Same-Day | 1–3 Days | 1–5 Days |
Guidelines vary by lender, asset age/condition, and credit. Final terms depend on underwriting and vendor eligibility.
What You Get with Liberty Capital
- Competitive Rates for A/B/C credit — prior blemishes considered
- Up to 120% of Equipment Cost for soft costs: delivery, taxes, installation
- Flexible Amounts: $5K with one-page app to ~$250K app-only; larger with financials
- New & Used units financed; select private-party OK (proof of ownership required)
- Corp-Only may be available for established multi-owner corps (limits apply)
- Approved Vendors: nationwide network of truck/equipment dealers
Special Programs for Water Trucks
- $0 Down or 1st Payment Only (OAC)
- No Security Deposit for qualified businesses
- $99 for the First 6 Months
- 90-Day Deferred Payments
- Fast Approvals up to ~$250K (streamlined process)
Down payment and pricing are risk-based. Final rate disclosed at docs/funding stage after full approval.
Credit Guidelines — Leasing & Financing
- Online application (soft inquiry to start)
- 3–4 months bank statements (income/banking verification)
- Equipment invoice/quote (if financing a unit); multiple vendors OK; we can bundle into one payment up to 60 months
- Private seller deals considered (equipment & vendor subject to approval)
Borrow with Confidence
Business loans and leases can fund inventory, expand facilities, add staff, market services, or refinance costlier debt. Timely payments build profile strength; missed payments harm access and pricing. We help you stay on the right side of that line. We can get you pre-approved at no cost to you. You can speak with one of our funding advisors to get pre-qualified. Click here to check out our credit guidelines.
Select the Right Financing for Your Fleet
- Business Term Loans
- Business Cash Advance
- Revenue-Based Working Capital
- Business Lines of Credit
- Small Business Loans
- Commercial Loans
- Equipment Leasing (FMV, $1 buyout, TRAC)
- Equipment Financing (EFA)
- Vendor Programs
Preferred Water Truck Dealers
Need help sourcing? Tell us your spec (tank size, chassis, miles/hours, PTO, spray bars) and we’ll point you to reliable new or used dealers. Some equipment may not qualify for private-party sale.
Apply — Simple 3-Step Process
- Online Application: Soft inquiry to start (hard inquiry for equipment financing at final approval).
- Upload Bank Statements (3–4 months): Income & banking verification; confirm ACH setup.
- (If financing equipment) Submit invoice/quote; multiple vendors welcome.
Funds can arrive in as little as 1–5 business days after final approval and documentation.
Unlock Your Financial Potential Today
Start, expand, or upgrade with confidence. Flexible solutions for construction contractors and subcontractors.
Ready to compare Term vs Lease vs EFA? We’ll price FMV, $1 buyout, TRAC, and EFA side-by-side.
What You Get When You Apply with Liberty Capital
A, B and C Credit will determine the Rates:
Enjoy competitive rates for qualified borrowers, reducing the overall cost of financing. Our goal is to provide an approval. Your job is to accept or not accept the offer. No harm done. Prior blemishes ok.
Up to 120% Equipment Cost:
Our water truck financing options can cover not only the equipment cost but also associated soft costs like delivery, taxes, and installation.
Flexible Funding Amounts:
Access financing ranging from $5,000 with a simple one-page application to $250,000 without full financial package. Structured approval will require financials.
New and Used Equipment Financing:
Whether you’re purchasing new or pre-owned equipment, we’ve got you covered. Sometimes we can do private seller purchase financing as well. Seller must prove ownership.
Corp-Only Availability:
For this it caters exclusively to corporations with strong history and multi-owners. Companies with sole owner or start-ups, Corp-only might apply for financing but will be limited on the amount with very little option in the business lending marketplace.
Approved Equipment Vendors:
We work vendors nationwide, equipment dealers, new or used vendor reseller. Some equipment doesn’t qualify for private seller.
No Pre-Payment Penalties:
Enjoy the flexibility of paying off your loan early without incurring penalties what most sites would say. Well not for equipment leasing, EFA or Equipment Financing. See, these types of funding technically aren’t retail so the agreement is non-cancellable. You’re liable for the full term of the lease term of the agreement whether it’s a Dollar Buyout , EFA or FMV. No one penalizes you for paying but you must pay the remaining term.
Select the Right Business Loans for Cargo Vans
Borrow with confidence.
Business loans provide businesses with the flexibility to use the funds for various purposes related to their operations and growth. Common uses include purchasing inventory, expanding facilities, hiring staff, marketing initiatives, and refinancing existing debt.
Successfully managing a business loan and making timely payments can positively impact a business’s credit profile, potentially improving access to future financing at more favorable terms. Conversely, can be said when you missed payments and defaults can negatively affect future borrowings.
