Think you need perfect credit or 10 years in business to qualify for dump truck financing? Think again.
If your business has just hit the 2-year mark, you're already eligible for approval — and may even qualify for $0 down with the right credit profile. Whether you’re buying your first dump truck or adding to your fleet, this guide walks you through what it takes to get funded.
Get prequalified now — no hard credit pull
Want more options? Visit our dump truck financing hubto explore every loan type available.
We specialize in working with vocational businesses that rely on dump trucks to operate. If your business serves any of the following industries, we can help:
General & Site Construction
Landscaping & Grading
Demolition & Cleanup
Asphalt & Paving Services
Waste Removal & Recycling
Aggregate & Material Hauling
Whether you're buying used or new, from a dealer or a private seller, we have programs built for 2-year businesses like yours.
Many lenders won’t consider you until you hit the 3-year mark — but we will. If you’ve been in business for at least 24 months, you can qualify for:
Flexible Terms:
Choose from 24 to 72 months
No prepayment penalties
Down Payments:
0% down options for strong files
Entry programs starting as low as 5-10% down
Purchase Support:
Dealers (new or used)
Private sellers (including Craigslist & Facebook)
Auction platforms (like Ritchie Bros or IronPlanet)
Lease buyouts and refinancing
Want more details? Read our Dump Truck Loan Down Payment Guide.
Here’s what you’ll need to get approved with just 2 years in business:
650+ FICO Score (soft pull only)
2+ Years in Business (LLC, S-Corp, or EIN preferred)
Driver’s License
Voided Business Check
3 Months of Business Bank Statements
Truck Invoice or Listing (dealer, auction, or private party)
Need help getting your documents ready? See our full Dump Truck Loan Requirements Explained.
We’re not a general lender. We’ve been exclusively financing work trucks and vocational equipment for over two decades — and we understand the needs of early-stage businesses.
20+ Years of Experience
Approvals in as little as 4 hours
0% Down Available
Dealer, Auction & Private Party Friendly
Built for vocational use — not consumer auto lending
Soft Pull Only — No Credit Hit
If your business is ready to grow, we’re ready to help.
Can I get approved for dump truck financing with only 2 years in business?
Yes. As long as you meet the credit and banking requirements, 2 years is enough to get approved — no tax returns required.
Can I finance a dump truck from Facebook Marketplace?
Absolutely. We support private party purchases and offer guidance to make the process smooth and secure.
Do I need a CDL to qualify for dump truck financing?
Not necessarily. CDL isn’t required if the truck is under 26,001 lbs GVWR — and we also work with business owners who hire CDL drivers.
What dump trucks qualify for 0% down?
Newer trucks (typically <7 years old) with strong financials and good credit are most likely to qualify for no-money-down financing.
Can I finance a used dump truck with 2 years in business?
Yes. We work with used trucks from dealers, private sellers, or auctions. Check out our Used Dump Truck Loan Guide for specifics.
Don’t let a short business history stop your growth.
No tax returns needed
Soft credit pull only
Approval decisions in just 4 hours
0% down programs available
Auction, dealer, or private party OK
Apply Now and see what you qualify for — it takes just 3 minutes.
