If your business relies on heavy-duty equipment like crane trucks, you're likely facing a tough decision: how to finance a new or used crane truck in Minnesota without draining your cash flow. Whether you're based in Minneapolis, Duluth, or Rochester, you know that these specialized vehicles are critical—but also expensive. Delayed equipment means delayed jobs, and in Minnesota’s seasonal industries, that can cost you work you may not get back.
If you’re a commercial business owner with 650+ credit, 2+ years in business, and at least $5,000 left over in your bank account each month, you may already qualify for fast, flexible crane truck financing through TruckLenders USA.
Minnesota has strict transportation rules that can directly impact your ability to secure funding. For one, the state enforces weight and size limitations that can require specific permits for in-state movement. If your crane truck exceeds 80,000 lbs gross vehicle weight, you may need proof of proper oversize permits during your financing application. Also, all commercial vehicles operating in Minnesota must comply with the Minnesota CDL and registration requirements, meaning your business must be properly licensed—and that includes coverage under a valid commercial insurance policy.
Title documentation and equipment-specific valuation rules also vary across counties, especially in places like Hennepin and St. Louis Counties. All of these factors can slow down or complicate the loan approval process—unless you’re working with a lender that understands the state-specific landscape.
From construction firms building in growing suburbs like Maple Grove to utility contractors working on electric grids near Saint Paul, crane trucks are vital to operations. In industries like telecom installation and commercial roofing, having access to dependable lifting equipment isn’t a luxury—it’s a requirement to stay competitive year-round.
Crane truck financing for heavy lift operators is available to ensure businesses get the tools they need without interruptions.
TruckLenders USA removes the stress of applying for financing by helping you navigate both general lending policies and Minnesota’s industry-specific guidelines.
TruckLenders USA has been helping commercial businesses finance equipment for over 30 years. Our team has funded thousands of loans across industries like construction, logistics, landscaping, and transportation.
If you qualify, our process is fast, flexible, and designed around your industry and equipment needs.
Step 1: Prequalify online (no hard credit pull)
Spend just 3 minutes filling out our prequal form. We’ll ask about:
Step 2: Submit supporting documents
Once you apply, we’ll ask for:
Step 3: Get matched to a lender
Within 24–48 hours, we’ll connect you with the right lender based on your credit, business history, and equipment needs.
Step 4: Sign and fund
Sign final documents and receive funding in as few as 2–5 business days. We move at the speed of business.
You’ll need a credit score of 650 or higher. We work with commercial business owners who have established credit and proven financial stability.
Yes. We finance both new and used crane trucks, as long as the equipment matches your business needs and is documented with a bill of sale or online listing. Low Doc Crane Truck Loans are also available for qualified buyers looking for simplified application processes.
Most borrowers are fully funded and ready to go within 2–5 business days after submitting required documents.
Before applying, be sure you know the mistakes to avoid when financing a crane truck, so you don’t delay the process or miss out on better terms.
Please note: TruckLenders USA only finances commercial buyers. To qualify, you must meet all three criteria:
If you’re a startup or looking to buy for personal use, we are not the right lender for you.
Whether you’re hauling for a job site in Mankato or lifting telecom gear in St. Cloud, the right crane truck can mean more contracts, better efficiency, and higher revenue. Don’t waste another season waiting on outdated equipment or struggling with generic lenders who don’t understand Minnesota regulations.
Should I Lease or Finance a Crane Truck? Understanding your options can help you make the smartest financial decision for your business.
If you have a 650+ credit score, 2+ years in business, and at least $5,000 left in your bank account each month — prequalify now with no hard credit pull.
