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If you run a mobile pet grooming business or are expanding into on-site pet services, a fully equipped grooming van is essential. But paying for one outright can tie up valuable working capital — and slow down your growth.
At TruckLenders USA, we specialize in helping mobile pet business owners get the financing they need:
Typical borrower profile:
2+ years in business
Credit score of 650+
At least $5,000 average monthly ending bank balance
You’ve built a reputation and client base — now it’s time to grow your reach. We’re here to help you move faster.
Why business owners choose us:
No hard credit pull to apply
Same-day approvals in most cases
Flexible terms to match your cash flow
Private party and auction purchases welcome
Whether you’re financing a single used van or building a fleet, our team knows how to structure deals for service-based businesses like yours.
We’ve designed our process for busy pet business owners who don’t have time for slow bank approvals.
Step 1: Fill Out Your General Profile
Answer a few quick questions about you and your business. No credit check. No obligation.
Step 2: Complete Your Business & Ownership Profile
Provide:
Business details (EIN, address, years in operation)
Owner details (SSN, ownership %, home address)
Equipment info (make/model, year, condition)
Upload:
3 months of business bank statements
Driver’s license
Invoice, bill of sale, or website link for the van
Step 3: We Review & Match Within 24 Hours
We look at time in business, credit score, cash flow, and equipment type — then connect you with the best-fit lender.
Step 4: You Get an Approval — Fast
If approved, you’ll receive:
Rate range
Estimated monthly payment
Term length & down payment (if any)
Funding can happen in as little as 1–3 business days.
Your exact rate and term will depend on your credit profile, time in business, cash flow, and the specifics of the van you’re purchasing. Below are typical ranges to help you estimate where you might fall.
| Profile | Rate Range | Terms | Down Payment |
|---|---|---|---|
| Prime credit, established business | 8–10% | 36–72 months | 0–10% |
| B-credit, stable cash flow | 9–14% | 24–60 months | 10–20% |
| Startup / challenged credit | 12–20% | 24–48 months | 20–35% |
How to Interpret These Ranges:
Prime Credit – If you have strong credit, at least 2+ years in business, and steady cash reserves, you’ll likely qualify for the lowest rates, longer terms, and possibly $0 down.
B-Credit – If you’re solid financially but have a few minor credit dings or slightly shorter time in business, you may see moderate rates with manageable down payments.
Startup / Challenged Credit – If you’re newer in business or rebuilding credit, approvals are still possible, but expect higher down payments and shorter repayment terms.
What Impacts Your Rate:
Credit Score – Higher scores mean more competitive rates.
Time in Business – Longevity shows stability and lowers lender risk.
Cash Flow – Strong monthly bank balances improve approval odds.
Van Age & Condition – Newer, well-equipped grooming vans often qualify for longer terms and better rates.
Pro Tip: The more complete your application (bank statements, ID, invoice, and business details), the faster we can lock in your best possible terms — often within 24 hours.
When we talk about leasing here, we mean a capital lease — a financing structure that functions more like ownership than a short-term rental. Unlike dealership leases for personal vehicles, a capital lease is designed for commercial use and often ends with you owning the asset or buying it for a nominal amount.
Grooming Van Loan (Financing) – Best for straightforward ownership
With a loan, you borrow the full purchase price, make monthly payments, and own the van outright when the loan is paid off.
Pros:
Full ownership from day one – You hold the title, subject to the lender’s lien.
Build equity – Each payment increases your ownership stake.
Lower overall interest cost compared to some leases.
Flexible terms – Choose repayment periods from 24–72 months.
Full customization rights – You can brand and equip the van as you choose.
Best For:
Owners planning to keep the van for 5+ years
Businesses wanting a simple, traditional financing route
Those looking for the lowest total cost of ownership over time
Grooming Van Capital Lease – Best for flexibility and potential tax advantages
A capital lease is essentially a long-term financing agreement that gives you many of the benefits of ownership but with some structural differences:
Pros:
Ownership option at the end – Often $1 buyout or 10% purchase option.
Potential tax benefits – Lease payments may be treated as a business expense (consult your tax advisor), even though you’re essentially purchasing the asset.
Preserves cash flow – Lower upfront cost than buying outright.
Tailored terms – Flexible repayment schedules, sometimes matching your revenue cycles.
Easier approval in some cases – Lenders sometimes view leases as lower-risk than loans.
Best For:
Businesses that want the tax treatment of a lease but the end result of ownership
Owners needing a flexible structure to match cash flow
Situations where 100% financing is preferred without large upfront capital
Quick Decision Tip:
Loan → Clean, straightforward ownership with equity-building and lowest long-term cost.
Capital Lease → Structured for ownership too, but with potential tax advantages and cash flow flexibility.
We work with a wide range of mobile pet groomers — from established business owners with multiple vans to entrepreneurs launching their first mobile unit. While we have financing programs for many situations, the strongest approvals go to applicants who meet these baseline qualifications:
Minimum Requirements:
2+ years in business – Preferred for the best rates and terms, though we do have startup programs for newer businesses with proven grooming or related industry experience.
Credit score of 650+ preferred – Higher scores typically unlock lower interest rates, longer terms, and smaller down payments.
$5,000+ average monthly ending bank balance – Demonstrates steady cash flow and the ability to manage monthly payments comfortably.
Valid driver’s license – A CDL is not required for most grooming vans, but proof of valid licensing is necessary for insurance and lender requirements.
Equipment invoice or bill of sale – The more details you can provide (make, model, year, condition, mileage, conversion features), the faster we can match you with the right lender.
Why These Matter:
Lenders want to see that you have the financial stability and operational experience to keep your business thriving and make payments on time. Even if you don’t meet every requirement perfectly, we can often adjust with a higher down payment or shorter term to make the deal work.
Pro Tip: Upload your bank statements, driver’s license, and equipment invoice right away — complete applications typically get approved within 24 hours.
Launching a mobile pet grooming business is exciting — but if your company is new, traditional lenders may be hesitant to approve financing. That’s where our startup-friendly programs come in. These programs are designed for business owners with proven industry skills who just need the right vehicle to get started.
If you’ve been in business less than 2 years but have hands-on grooming or related experience, here’s what you can expect:
| Requirement | Typical Expectation |
|---|---|
| Industry Experience | 18+ months in pet grooming or a related service field |
| Time in Business | Less than 2 years |
| Down Payment | 20% – 35% of purchase price |
| Interest Rates | Typically 15% – 20% based on credit and equipment |
| Equipment Type | New or used grooming vans (newer units preferred for longer terms) |
Best For:
Groomers transitioning from a brick-and-mortar salon to mobile services
Experienced pet care professionals starting their own business
Owner-operators who have steady client demand but need a van to launch
Pro Tip: Lenders want to see that you’re serious about your business. Providing a business plan, marketing strategy, or signed client contracts can strengthen your application and potentially improve your terms.
A lower credit score doesn’t have to mean the end of your dream to own or upgrade a grooming van. While traditional banks often turn away borrowers with less-than-perfect credit, we work with lenders who understand that your business’s earning potential matters just as much as your credit history.
If your credit score is below 625, here’s what to expect:
| Requirement | Typical Expectation |
|---|---|
| Credit Score | Below 625 |
| Down Payment | Minimum 50% of purchase price |
| Interest Rates | 15% – 30% depending on file strength |
| Max Financing Amount | Approximately $45,000 |
| Equipment Age | Newer vans are easier to approve, but well-maintained used units may still qualify |
Best For:
Experienced groomers with steady client demand but past credit challenges
Businesses with a strong cash position willing to put down a significant deposit
Owners looking to buy a lower-priced grooming van without using all their cash
Pro Tip: The larger your down payment, the more likely we can get you approved — and potentially at the lower end of the interest rate range.
Even if your credit isn’t perfect, having consistent income, repeat customers, and proof of steady work can help your application stand out.
One of the biggest financial advantages of financing a grooming van is the ability to take advantage of IRS Section 179. This tax incentive allows you to deduct up to 100% of the purchase price of qualifying business equipment — including grooming vans — in the same year the equipment is placed into service (subject to IRS limits).
This means you can dramatically reduce your taxable income for the year, even if you financed the vehicle and are making monthly payments.
Example:
| Purchase Price | $85,000 |
|---|---|
| Section 179 Deduction | $85,000 |
| Tax Savings at 30% Bracket | $25,500 |
| Net Cost After Tax Savings | $59,500 |
Why This Matters:
Applies to both new and used grooming vans (must be new to your business)
Works whether you purchase outright or finance
Lets you keep more cash flow for marketing, payroll, and operations
Can be combined with bonus depreciation for even greater savings
Encourages year-end purchases — to qualify for the current tax year, your van must be financed and placed in service before December 31
Pro Tip: Many mobile grooming business owners use Section 179 to upgrade or expand their fleet before year-end, taking the deduction now while paying for the van over time. Always consult your tax advisor to confirm eligibility and ensure you’re maximizing deductions.
Q: Can I finance a grooming van from a private seller?
Yes — in addition to dealer and auction purchases, we finance private party transactions. If you’re buying from an individual, we’ll verify the vehicle details and title, handle the payment securely, and ensure all required documentation is in place. This gives you the same protection and smooth process as buying from a dealership.
Q: Do you work with mobile grooming startups?
Absolutely. We have startup programs designed for business owners who may be new to mobile grooming but have relevant industry experience. These programs typically require:
A larger down payment (20–35%)
Proof of strong cash flow or signed service contracts
A newer van with reliable equipment to reduce lender risk
If you can show steady client demand and a clear business plan, we can often secure funding even if your business is less than two years old.
Q: How long does funding take?
Our process is designed for speed. Most applicants receive conditional approval within 24 hours of submitting a complete application, and funding is often finalized within 1–3 business days once documents are signed.
To move even faster:
Upload your bank statements, driver’s license, and invoice/bill of sale right away
Provide accurate contact info for the seller
Respond quickly to any lender requests for additional information
Q: Can I finance a used grooming van?
Yes — we finance both new and used grooming vans, as long as the unit is in good working condition and priced appropriately. Well-maintained used vans can be a great way to lower your purchase cost while still getting the equipment you need.
Q: Is there a prepayment penalty?
Most of our financing programs have no prepayment penalty, meaning you can pay off your loan early to save on interest. Some capital leases may have different payoff terms, which we’ll review with you before you sign.
No hard credit pull. Approvals in 24 hours. Flexible terms for growing pet service businesses.
