If you’re running a septic or wastewater hauling business and thinking about financing a vacuum truck, pumper, or custom rig, you’re probably asking: “What do I need to qualify?” At TruckLenders USA, we’ve simplified the process—no confusing bank paperwork, no hard credit pull, and no guesswork.
This guide breaks down everything you need to know in a clear, simple checklist format so you can quickly determine whether you’re ready to apply.
We know you're busy. Here’s the short list of what we’re looking for in a qualified applicant:
If you can check off most or all of the above, you're likely in great shape to qualify. And if you're close but not quite there? Keep reading—we have some flexibility built in.
Unlike banks that drown you in paperwork, we keep documentation light, fast, and focused. Here's what we’ll actually ask for:
Driver’s license or government-issued ID
Three months of business bank statements
Invoice, bill of sale, or link to the septic truck you're buying
This helps us verify who you are, how the business is performing, and what equipment you’re financing.
Tax returns
Profit and Loss statements
Business plan or resume
We underwrite based on real-world performance, not projections or paperwork.
We hear these types of questions all the time. Here's the truth:
Yes. We finance Sole Props all the time. You don’t need to be incorporated to qualify.
Maybe. If it’s older and your current credit is solid, we may still approve you. We look at the full picture.
Yes. As long as the truck is in usable condition and the seller is verifiable, we finance private party deals daily.
We’ve designed our process with septic contractors in mind—because your business doesn’t always follow traditional dealership models.
While we have clear minimums, there are ways to strengthen your application and improve terms:
Clean bank statements: Avoiding daily overdrafts and showing consistent deposits can help tremendously.
Truck value: Equipment that holds its value well (like vacuum or pumper trucks) makes approval easier.
Essential use: If this truck is critical to how you make money—whether pumping septic, hauling waste, or servicing porta-johns—that’s a green flag.
Repeat applicants: Have you financed before and paid it off? We love working with returning contractors.
The more stable and straightforward your business looks, the easier it is for us to fund your truck.
You might be wondering: “Why are your requirements simpler than the bank’s?”
The answer is simple: we’re not a traditional bank. TruckLenders USA is a commercial-only lender that specializes in financing vocational equipment. Here’s why our approvals are faster and less restrictive:
The truck acts as collateral – If the truck holds value, it secures the loan
We underwrite for industry use – We know septic, vacuum, and hauling businesses generate consistent demand
We use soft credit pulls – You can apply without damaging your credit score
We fund what makes business sense – Not just what fits a spreadsheet
Our goal is to help real contractors finance real equipment—not bury you in red tape.
Can I qualify if my credit score is under 650?
Possibly. We review borderline scores case-by-case. If you have strong cash flow, a larger down payment, or the equipment is high-value, we may still find a solution.
Can I apply if I haven’t registered my business yet?
You’ll need a business entity and EIN to fund the deal. If you’re just getting started, we recommend forming an LLC before applying.
Do I need a CDL?
Not always. If your truck doesn’t require a CDL or you’re hiring a driver, that’s fine. We just need to verify your business can legally operate the truck.
Do you finance used trucks from auctions?
Yes. We finance trucks from Ritchie Bros, Purple Wave, and many other auction platforms. Just send us the listing or invoice and we’ll guide you through next steps.
Want to explore all your septic financing options?
Visit our Septic Truck Financing Hub »
If you're a contractor with decent credit, steady revenue, and a business that depends on septic trucks—you're probably ready.
Apply Now
Soft pull. No tax returns. Fast decisions.
Let’s get your septic truck financed—without the bank delays.
