Heavy Duty Towing Equipment Financing
Integrated wreckers, heavy wreckers and 50- to 75-ton rotators for towing and recovery companies — new or used, with payments built around your call volume.
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Since 2004 · Over $250 million funded · Soft inquiry to start · All approvals OAC
Short answer: Heavy duty wrecker financing lets towing and recovery companies spread the cost of an integrated wrecker, heavy wrecker or rotator over 12 to 60 months, new or used. Most owners choose a $1 buyout lease so they own the unit at the end, and established operators can often be approved on an application only up to about $250K. Bigger rotators are approved with financials.
Heavy recovery is where the money is in towing — rollovers, jackknifed semis, bus and RV recovery, and police-rotation and motor-club calls that a light-duty truck can’t take. It’s also where the price tags are: a heavy wrecker or rotator can cost as much as a small building. Financing the unit keeps your cash free for drivers, insurance, fuel and storage-yard costs.
Liberty Capital Group finances heavy towing equipment nationwide. For rollbacks, car carriers and light- or medium-duty wreckers, see our tow truck financing page.
35-, 50-, 60- and 75-ton rotators for heavy recovery, crane-style lifts and incident scenes.
Integrated heavy wreckers with boom and underlift for semis, buses and coaches.
Conventional heavy wreckers on Class 8 chassis, including twin-steer and tri-axle builds.
Used and refurbished units from dealers, auctions and other operators; inspection may apply.
New wrecker bodies mounted on your chassis, and rebuilds or repowers of existing units.
Landoll and lowboy trailers, air cushions, recovery tools and support trucks on the same deal.
Rotators earn the highest rates on scene, but they carry the biggest payment, so lenders look harder at your heavy-recovery volume and contracts. A conventional or integrated heavy wrecker costs less, approves more easily and still opens the door to semi and bus work.
Many owners start with a used heavy wrecker, build a track record on heavy calls, then add a rotator. Payment history on your first heavy unit makes the next approval easier.
| Option | How it works | Best for |
|---|---|---|
| $1 buyout lease (lease-to-own) | You own it for $1 at the end; may qualify for Section 179 | Equipment you plan to keep for years |
| Fair market value (FMV) lease | Lowest payment; return, renew or buy at the end | Equipment you upgrade often |
| Equipment finance agreement (EFA) | You own it from day one; fixed payments | Owners who want the title now |
| Sale-leaseback | Turn equipment you already own into working capital | Funding growth without new debt elsewhere |
Terms run 12 to 60 months on new and used units; used equipment caps at 60 months. All approvals are OAC.
Keep your cash and credit lines for payroll, fuel, insurance and growth instead of tying them up in equipment.
A low capital outlay versus buying outright, with fixed payments you can plan around.
Terms up to 60 months spread the cost so the equipment pays for itself as it earns.
Lock today’s price and a fixed payment while equipment and parts costs keep rising.
Most leases end with a $1 buyout, so you own the equipment at the end of the term.
Qualifying equipment may be deductible in the year it’s placed in service. Confirm with your CPA; this is not tax advice.
Rollbacks, car carriers and light- to medium-duty wreckers.
Flatbeds and rollback-style haulers.
Class 6–8 trucks and fleet additions.
Cranes, loaders and other heavy machines.
Tiers, documents and application-only limits.
Terms run 12 to 60 months on new and used units. Longer terms lower the payment; shorter terms lower the total cost.
Yes, from a dealer, auction or another operator. We may ask for an inspection or appraisal on older units, and used equipment caps at 60 months.
$0 down is reserved for established businesses with 5+ years in business, established PayNet and D&B business credit and 700+ personal credit. First and last payments and fees may still apply.
Yes, case by case. Time in business, towing experience and heavy-call contracts or rotation lists help; expect a down payment or extra collateral on a first heavy unit.
Yes. New bodies, upfits, rebuilds and repowers can be financed, and the upfitter is paid directly.
Yes. A Landoll or lowboy trailer, air cushions and recovery tools can be included on the same transaction.
Liberty Capital Group has helped businesses fund equipment since 2004 — over $250 million funded.