Put another rollback or wrecker on the road without draining cash
Liberty Capital finances new and used flatbed rollbacks, light- and heavy-duty wreckers and rotators for towing companies, body shops and roadside service businesses. Loan, lease or equipment finance agreement (EFA), from dealers or private sellers, nationwide.
Tow trucks for every kind of call
The truck is the collateral, so the age, miles and condition of the unit matter as much as your credit. Send the listing and we tell you what will get approved before you spend time on it.
Why towing companies finance with us
Loan, lease or EFA?
| Equipment financing (EFA) | Equipment lease ($1 / FMV) | Business term loan | |
|---|---|---|---|
| Ownership | You, lender holds lien | Lessor, you own at $1 buyout | Your business |
| Maximum term | 60 months | 60 months | 24 months |
| Payments | Monthly | Monthly | Monthly or weekly |
| Typical minimum credit | 650 | 600 | 550 |
| Time in business | Startups considered | Startups considered | 3+ years |
| Application only | Up to ~$250K* | Up to ~$250K* | Up to $150K |
| Funds go to | The seller | The seller | Your business |
*Application-only limits vary by credit, time in business, equipment type and industry. Actual terms depend on credit, truck age and condition, revenue trends and the seller.
Let the truck pay for itself
Cash should chase revenue, not sit in a truck that loses value every mile. Leasing is an inflation buster: your payment is fixed for the full term while fuel, parts and new-truck prices keep going up.
It is also cash flow management. A low capital outlay compared with buying outright keeps money free for drivers, insurance, fuel and marketing. Payments stay low and manageable, terms run up to 5 years, and most of our leases end with a $1 buyout, so you own the truck. A $1 buyout lease may qualify for Section 179, a potential 100% deduction in the year the truck is placed in service (ask your CPA). Bottom line: you conserve cash for growth.
Payments that match how towing pays
What lenders look at
- Credit: 600+ for smaller deals, 650+ for larger ones; challenged credit considered with a down payment or shorter term
- Business bank statements (3–4 months)
- Invoice, quote or listing for the truck
- Truck year, mileage and condition; condition report on older units
- Larger deals: tax returns and financial statements
- Motor club or police rotation contracts help
Startups and new owners
New towing companies are reviewed case-by-case and usually need a down payment. Pre-revenue startups generally need around a 650 credit score; experience driving for another towing company helps.
$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.
From truck listing to keys
- Send the listingDealer quote, invoice or the private seller ad
- Apply in minutesOne-page application; we start with a soft inquiry
- Get approvedOften the next business day on smaller deals
- We fund the sellerThe lender pays the dealer or seller after title and paperwork check out
Tow truck financing questions
How do I finance a tow truck?
Send the truck listing and a one-page application. We compare lenders and structure a loan, lease or EFA, new or used, with terms up to 60 months.
Can I lease a tow truck?
Yes. Rollbacks and wreckers can be leased, including lease to own with a $1 buyout at the end.
Can I get tow truck financing with bad credit?
Credit challenges are considered, usually with a down payment or a shorter term. Motor club or police rotation contracts help.
Do you finance flatbed tow trucks and rotators?
Yes: flatbed rollbacks, light- and heavy-duty wreckers and rotators, new or used.
Can I start a towing business with no money down?
$0 down is reserved for established businesses with 5+ years in business, established PayNet and D&B business credit and 700+ personal credit. New towing companies usually need a down payment.
Can I buy a used tow truck from a private seller?
Yes. The seller must prove ownership and deliver clear title; any lien is paid off at funding.
Will applying hurt my credit?
We start with a soft inquiry to pre-qualify you. The lender may run a hard inquiry only at final approval.
Ready to add your next tow truck?
Get a free quote or call (888) 511-6223. We will tell you what gets approved before you waste time.
Rates and terms disclosure: any rates, payments or terms shown are examples only. Sample rates apply to established businesses with 3 to 5+ years in business and strong credit (680+ FICO), subject to credit approval. Startup rates vary and are subject to final approval. Application-only limits vary by credit, time in business, equipment type and industry; amounts shown are guidance, not a promise. $0 down is reserved for businesses with 5+ years in business, established PayNet and D&B business credit and 700+ personal credit. This is not an offer or commitment to lend. Not tax advice; ask your CPA about Section 179.