DUMP TRUCK
FINANCING
& LEASING
Smart financing strategies for construction companies, landscapers, and subcontractors. Compare leasing vs. buying, preserve working capital, and get approved fast—even with challenged credit.
FINANCING FOR YOUR INDUSTRY
Specialized dump truck and equipment financing tailored to your business model and cash flow cycle.
Construction
Bridge retainage gaps, fund mobilization, and keep projects moving without cash flow stress.
- Progress billing factoring
- Equipment sale-leaseback
- Retainage financing
- Material purchase lines
Landscaping
Manage seasonal cash flow swings and expand your fleet when opportunities arise.
- Seasonal payment structures
- Fleet expansion financing
- Skip payment options
- Used equipment programs
Subcontractors
Get paid faster, finance equipment between jobs, and take on bigger projects.
- Invoice factoring
- Working capital lines
- Quick-turn equipment loans
- Startup-friendly programs
DUMP TRUCK TYPES WE FINANCE
New or used, any make, model, or configuration. We finance all dump truck types from any dealer or private seller.
Standard Dump Truck
The workhorse of construction sites. Perfect for hauling sand, gravel, dirt, and demolition debris.
Finance Now →Articulated Dump Truck
Built for rough terrain and challenging conditions with superior maneuverability on uneven sites.
Finance Now →Super Dump Truck
Maximum payload capacity up to 32 tons with trailing axle design for heavier loads.
Finance Now →Side Dump Truck
Dumps materials to either side for precise placement in road construction and embankment work.
Finance Now →Transfer Dump Truck
Tows a separate trailer for doubled capacity—perfect for long-haul operations.
Finance Now →Mining & Off-Road
Massive haulers carrying 200+ tons, engineered for demanding extraction environments.
Finance Now →FINANCING & LEASING OPTIONS
Compare all your options—from bank loans to emergency capital. Find the right fit for your cash flow and credit profile.
Working Capital & Equipment Financing Options
Apply Now| Product | Best For | Speed | Typical Cost | Collateral | Pros | Cons |
|---|---|---|---|---|---|---|
| Equipment Finance Agreement (EFA) | Ownership-focused buyers | 24-72 hours | 7.99–18.99%+ APR | Equipment itself | Build equity; Section 179 deduction | Higher payments than lease |
| FMV Lease (Fair Market Value) | Cash conservation priority | 24-72 hours | Similar to EFA | Equipment itself | Lowest payments; upgrade easily | No ownership; buyout at end |
| $1 / 10% Buyout Lease | Plan to keep equipment | 24-72 hours | Slightly higher than FMV | Equipment itself | Own at end for nominal amount | Higher payments than FMV |
| Sale-Leaseback | Asset-rich, cash-poor | 2–4 weeks | Medium | Owned equipment | Unlock equity; keep using asset | Creates lease obligation |
| Business Line of Credit | Ongoing working capital | Days to weeks | 10–12%+ APR | Cash flow, credit profile | Reusable; pay interest on draws only | Harder to qualify; covenants |
| SBA 7(a) / CAPLines | Larger amounts, long terms | 2–4 weeks | Prime + 3–6.5% | Various; repayment ability | Lowest rates; longest terms | Heavy documentation |
| Invoice Factoring | Slow-pay B2B customers | 2–5 days | 1–5%/month | Customer creditworthiness | Fast; off-balance sheet | Fee drag; customer notification |
| Revenue-Based Advance | Emergency only | Hours to days | 30–80%+ APR | Future receivables | Fast approval; flexible credit | Expensive; cash squeeze risk |
Lease vs. EFA: Cash Conservation Strategy
Learn More| Factor | FMV Lease | $1 Buyout Lease | EFA (Loan) |
|---|---|---|---|
| Monthly Payment | Lowest | Medium | Highest |
| Ownership at End | Purchase at FMV or return | Own for $1 | Own outright |
| Cash Conservation | Best | Good | Most capital tied up |
| Section 179 Deduction | No (expense payments) | Yes (often) | Yes |
| Balance Sheet | Off-balance (operating lease) | On-balance (capital lease) | On-balance (asset + liability) |
| Best For | Tech that depreciates fast; upgrade plans | Long-term use equipment | Building equity; ownership priority |
💡 Pro Tip: Cash Conservation Strategy
Many contractors use FMV leases for trucks they'll upgrade in 3-5 years, and EFAs for core equipment they'll run for 10+ years. This hybrid approach keeps payments low while building equity in long-term assets. Ask us about structuring your fleet financing this way.
EQUIPMENT FINANCING REQUIREMENTS
What underwriters look for—separate guidelines for established companies and startups.
Established Companies (24+ Months)
- Time in Business: 24+ months (12+ with strong profile)
- Credit Score: 650+ FICO preferred; 600–649 case-by-case
- Revenue: $300k+ annual; stable deposits, minimal NSFs
- Documentation: App-only up to ~$250k; 3-6 months bank statements above
- Down Payment: 0–20% depending on credit and equipment age
- Equipment Age: Up to 10–12 years typical for heavy equipment
- Terms: 24–72 months at 7.99%–18.99%+ APR
- Guarantee: Personal guarantee standard for closely-held businesses
Startups (0–24 Months)
- Credit Score: 680+ FICO best; 640+ with higher down payment
- Down Payment: 10–35% typical (proof of funds required)
- Documentation: 3-6 months personal/business bank statements
- Experience: Owner resume or industry background helps
- Business Plan: Brief use-case with revenue projections
- Equipment: New or newer used preferred; tighter age limits
- Co-Signer: Helpful for thin credit or lower scores
- Terms: 24–60 months at 12.99%–28.99%+ APR
Quick Requirements Snapshot
| Criteria | Established (24+ mo) | Startup (0-24 mo) | Notes |
|---|---|---|---|
| Min FICO | 600+ (650+ preferred) | 640+ (680+ preferred) | Lower = higher down/rate |
| Down Payment | 0–20% | 10–35% | Depends on equipment age |
| Documentation | App-only ≤$250k | Bank statements + returns | Full-doc for larger deals |
| Max Equipment Age | 10–12 years typical | New/newer preferred | Hour/mileage caps apply |
| Term Length | 24–72 months | 24–60 months | Match to useful life |
| Rate Range | 7.99–18.99%+ | 12.99–28.99%+ | Credit + collateral dependent |
FINANCING ADVANTAGES
No Collateral Required
Equipment itself secures the loan. No blanket liens on other assets.
Fixed Rate Guarantee
Lock in predictable payments. No surprises, no rate increases.
Same-Day Approvals
Most deals approved within hours. Don't lose opportunities.
Minimal Paperwork
App-only under $250k. No financials or tax returns required.
New & Used Equipment
Finance any make, model, or age from dealers or private sellers.
Flexible Terms
24 to 84 month terms. Match payments to your cash flow.
Section 179 Benefits
Potential tax deductions for equipment purchases.
No Requalification
Once approved, you're set. No annual reviews or callbacks.
HOW IT WORKS
From application to funding in as little as 24 hours.
Apply Online
5-minute form. No credit impact for pre-approval.
Get Approved
Decision within hours, often same business day.
Choose Equipment
Select from any dealer or private seller.
Get Funded
We pay seller directly. You start working.
WHAT TO AVOID
Protect your cash flow and future borrowing capacity with smart decisions.
⚠️ Stacking Multiple Daily/Weekly Debits
Multiple high-cost advances crush cash flow and block access to cheaper capital later.
✓ Better: Consolidate to one product; plan exit to ABL or bank financing.
⚠️ MCA "Debt Consolidation" Offers
Often just adds another expensive advance on top of existing ones.
✓ Better: Negotiate directly with funder; shift to factoring or ABL.
⚠️ Short-Term Capital for Long-Term Assets
Term mismatch creates refinancing pressure and payment stress.
✓ Better: Match term to asset life (3–7 yrs equipment; 6–18 mo working capital).
⚠️ Borrowing Maximum Approval
No cushion means payment stress if revenue dips.
✓ Better: Borrow 70–80% of approval; keep reserve for slow periods.
🎯 Smart Capital Ladder Strategy
Step 1: Apply for bank/SBA lines first (cheapest). Step 2: If declined, leverage assets via ABL, sale-leaseback, or factoring. Step 3: Emergency advances only as last resort—minimum amount, shortest term, with immediate refinance plan. Step 4: Improve position by cutting DSO, extending vendor terms, and building cash reserve.
FREQUENTLY ASKED
How fast can I get funded?
Equipment financing: 24–72 hours app-only; 1–2 weeks full-doc. Bank/SBA: 2–4 weeks. Factoring: 2–5 days. Emergency advances: same day (expensive—use sparingly).
Will applying hurt my credit?
We start with soft-pull pre-qualification—no impact to your score. Hard pull only occurs after you accept terms and move forward with funding.
Can I finance used dump trucks?
Yes! We finance quality used equipment up to 10–12 years old with the same competitive terms as new. Older assets may require slightly higher down payments.
What's the difference between leasing and financing?
With financing (EFA), you own the equipment and build equity. With leasing, you make lower payments and can upgrade more easily. We offer both—our team helps you decide what's best for your situation.
What credit score do I need?
Established businesses: 600+ (650+ preferred). Startups: 640+ (680+ preferred). We work with all credit profiles—lower scores may require higher down payments or rates.
Can I buy from a private seller?
Yes! We finance private party purchases just like dealer purchases. We'll pay the seller directly once the transaction is approved.
Are there prepayment penalties?
Many programs allow early payoff without penalty. Specific terms depend on your financing structure—ask your representative about prepayment options.
What if I already have an MCA?
We can help you create an exit plan—transitioning to ABL, factoring, or equipment refinancing as your metrics improve. The key is avoiding additional stacking.
GET PRE-APPROVED TODAY
Check eligibility in minutes with no impact to your credit. See what you qualify for and get your dump truck faster.