Looking for dump truck financing for contractors? You’re in the right place. At TruckLenders USA, we specialize in helping qualified construction and hauling professionals secure affordable loans for new or used dump trucks.
We work with buyers who have 650+ credit scores and 2+ years in business—no startups, no guesswork. Whether you're replacing a truck or expanding your fleet, we’ll help you secure funding that fits your workflow and budget.
Ready to get started? Apply now or get prequalified in minutes.
We provide dump truck financing for contractors across California—including general contractors, excavation crews, grading teams, demolition companies, and hauling services.
If you’re actively working and generating revenue, we’ll help you access equipment funding fast.
Whether you’re buying from a dealer or a private seller, we’ll structure a loan around your business model, job timelines, and cash flow.
We only work with serious buyers who meet basic qualifications, so we keep the process lean, direct, and fast. If your business is based outside California, we can still help—our lending network is nationwide.
We offer a range of financing programs built specifically for vocational trucks and contractor workflows.
Here are common options we offer:
Standard Term Loans: Fixed rates, 36–72 month terms
Low Down Payment Programs: As low as 10% down—0% down for buyers with 700+ credit
Deferred Start Plans: Delay your first payment by 30–60 days
Private Party Purchase Financing: Buy from any source—dealer or private seller
Our goal is to help you secure the truck you need with terms that make sense for your cash flow and growth. Learn more at our dump truck financing hub.
We specialize in dump truck financing for contractors who already meet lender requirements. If you check these boxes, you’re ready to move forward:
650+ personal FICO score (700+ may qualify for 0% down)
2+ years in business (LLC, Corp, or Sole Proprietor)
3 months of business bank statements
Government-issued ID + voided check
Truck invoice or listing with full specs
Higher credit and newer equipment means better rates and lower down payments. Our team will help you find the best structure based on your situation.
With over 30 years of experience, Trucklenders USA has helped countless businesses secure the financing they need. Here’s why professionals choose us:
We don’t waste time. We match you with lenders that understand your business and move quickly.
Getting dump truck financing for contractors shouldn’t be a hassle. If you meet the basic qualifications, we’ll help you:
Get pre-approved in 24–48 hours
Structure a deal with low or 0% down (if 700+ credit)
Fund quickly, whether buying from a dealer or private seller
We’ll guide you through the process and make sure you know exactly what’s needed at each step. Our goal is simple: help you get the truck you need—fast.
Apply Now and get terms tailored to your business.
How much do I need for a down payment?
Most buyers need 10–20% down, but if you have a 700+ credit score, you may qualify for 0% down.
Can I finance a used dump truck from a private seller?
Yes—we handle both dealer and private party sales, as long as the truck meets lender guidelines.
How long does it take to get approved?
Once your documents are submitted, most deals are preapproved within 24–48 hours.
Do you fund contractors outside California?
Yes, while we specialize in California, we offer dump truck financing nationwide.
Get the truck. Get the job. Get paid.
TruckLenders USA offers fast, flexible dump truck financing for contractors who are ready to grow.
Apply Now and let’s get started.
