The Fastest Way to Know If You Qualify
If you’re a contractor or business owner in the market for a crane truck, you don’t want to waste time. You want to know exactly what it takes to get approved, so you can line up the funding and close the deal—fast.
This guide breaks down the key crane truck loan requirements we use to qualify buyers. If you meet these criteria, we’ll move quickly to get you funded—no tax returns, no fluff, no hard credit pull.
Your personal credit score is one of the most important factors in getting approved. Most lenders (including us) use it to assess repayment history and risk.
650+ FICO is our typical minimum
700+ may qualify for better terms, lower rates, or zero-down deals
Soft credit pull only to prequalify—no impact on your credit score
No hard inquiry unless you choose to move forward
Even if you’re just under 650, we may still be able to help—especially if your business has strong cash flow or the truck has good resale value.
Established businesses are more likely to be approved because they’ve proven they can operate and generate consistent income.
2+ years in business is strongly preferred
Startups (6–24 months) may be approved on a case-by-case basis
Strong personal credit or contracts in place may help offset short business history
We finance LLCs, corporations, and sole proprietors
If you’re unsure, apply anyway—our team can review and offer guidance based on your exact setup.
The second most important factor after credit is cash flow. We want to know you can handle the monthly payments without stress.
$15,000/month in business revenue is our typical minimum
Higher revenue = more flexible terms and lower down payment
We verify using a recent business bank statement—no tax returns required
Whether you’re a one-truck operator or managing a small fleet, consistent revenue is key to fast, easy approval.
To qualify for a commercial loan, your business must be a legal entity—not just a personal buyer.
We accept:
LLCs
Corporations (S-Corp, C-Corp, Inc.)
Sole Proprietorships with EIN
You’ll also need:
A business checking account
An EIN (Employer Identification Number) for loan documents and fund transfer
We work exclusively with businesses—not consumers. That’s why we keep our underwriting lean, efficient, and focused on the needs of contractors.
We’ve simplified our process to save you time. Here’s what you need to apply:
Crane Truck Listing or Invoice
From a dealer or private seller
A PDF, photo, or website link works
Basic Business Information
Legal name, address, EIN, years in operation
Contact info and business type
Driver’s License
For the owner or signer on the loan
Business Bank Statement (last 90 days)
Used to verify revenue—no tax returns or financials needed
That’s it. No tax documents, no profit-and-loss statements, and no chasing down accountants.
We’ve financed crane trucks and vocational equipment for over 30 years—and we’ve built our entire model around one goal: getting qualified contractors funded quickly.
Here’s why businesses choose us:
Commercial-Only Lender
We don’t do personal auto loans or consumer lending—just equipment financing for real businesses.
Fast Approvals
Most deals prequalify in under 24 hours—some same-day.
No Financials or Tax Returns Required
We keep it simple. Just send your listing and basic info—we handle the rest.
Soft Credit Pull to Prequalify
Check your eligibility without affecting your score.
Dedicated Loan Advisors
You’ll work with someone who knows crane trucks and how to get deals closed fast.
We know your truck is a tool, not a luxury—and we treat your time and business like it matters.
If you meet the core crane truck loan requirements—650+ credit, 2+ years in business, and $15K/month in revenue—you’re in a great position to get approved fast.
Already picked out a truck? Send the invoice or listing and we’ll get to work.
Want to explore financing options first? Visit our crane truck financing hub page »
