Using business credit to finance a dump truck is a smart strategy to protect your personal credit, strengthen your EIN-based credit profile, and secure more favorable terms. Whether you're hauling gravel, demolition debris, or heavy equipment, dump trucks are a key investment for contractors and haulers alike.
This guide walks you through how to finance a dump truck using your business credit — step by step — including qualifications, required documents, and how to apply without a hard credit pull.
Prequalify now with a soft pull — no obligation
Want to explore more options? Visit our dump truck financing hub for additional loan types and programs.
We finance dump trucks for businesses across a wide range of vocational industries, including:
Construction & Excavation
Grading & Landscaping
Asphalt & Paving
Demolition & Cleanup
Hauling & Dump Services
Waste & Recycling Operators
Whether you’re buying from a dealer, private seller, or auction — we tailor financing around your business’s specific needs and use case.
You can use your EIN and business credit file to apply — and often get approved without personal guarantees, depending on your business strength.
Term Lengths:
Flexible options from 24 to 72 months
Early payoff allowed with no penalties
Down Payments:
0% down available for established businesses
Startups may need 10-20% down
Purchase Channels:
New or used from dealers
Private sellers, including Facebook Marketplace
Auctions like Ritchie Bros, Purple Wave, or local events
Lease buyouts or refinancing
For a full breakdown, check out our dump truck loan down payment guide to see what you might qualify for based on credit and business age.
To qualify for dump truck financing under your business credit, you’ll need:
650+ FICO score (soft credit pull only)
2+ years in business
Voided business check
Driver’s license
3 months of business bank statements
Invoice or listing (dealer, private party, or auction)
Not sure what counts as a complete file? Review our dump truck loan requirements explained to make sure you’re fully prepared.
We’ve been helping vocational business owners finance equipment for over two decades. Here's why thousands choose us over banks or credit unions:
20+ Years of Experience in vocational truck lending
4-Hour Approvals with instant decisioning
0% Down Options for well-qualified buyers
Dealer, Auction, or Private Party Support
Soft Pull Prequalifications — no risk to your score
Built for vocational use — not consumer auto lending
We know vocational equipment. And we know how to get you funded when others can’t.
Can I finance a dump truck from Facebook Marketplace or a private seller?
Yes. We fund trucks from private parties, as long as there’s a clear bill of sale or invoice. We also work with auction purchases and lease buyouts.
Do I need a CDL to finance a dump truck?
Not always. Trucks under 26,001 lbs typically don’t require a CDL. If you’re hiring CDL drivers, you can still qualify under your business.
Which dump trucks qualify for 0% down?
Newer trucks (less than 7 years old), under 200K miles, and tied to businesses with strong bank statements or credit history usually qualify.
Do you offer financing in all states?
Yes, we fund dump trucks in all 48 continental U.S. states. Local, regional, or national haulers — we’ve got you covered.
What if my business credit isn’t strong enough?
We can use a personal guarantor (with soft pull) to help boost approval odds. We also offer blended options and coaching on improving your file.
Financing a dump truck with your business credit is easier than you think.
No tax returns required
Soft pull only — no credit hit
Fast 4-hour approvals
0% down programs available
Apply Now to get started — see what your business qualifies for in minutes.
