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If you're running a growing business and want to lease a new or used dump truck, you don’t have time for slow banks, outdated lease programs, or reps who don’t understand your industry.
At TruckLenders USA, we work with business owners like you:
2+ years in business
Credit score of 650 or higher
At least $5,000 in monthly ending bank balance
You’ve built something solid — now you’re ready to expand. Leasing gives you the flexibility to scale without tying up your cash flow.
No hard credit pull to apply
Same-day approvals in most cases
Lower monthly payments than traditional loans
Flexible end-of-lease options (FMV, $1 buyout, 10% PUT)
Dealer, private party, and auction purchases welcome
Whether you're leasing your first truck or refreshing your entire fleet, our team specializes in structuring lease deals that work for your business — not against it.
We’ve designed our leasing process to be simple, fast, and flexible — so you can focus on winning jobs, not chasing paperwork.
Whether you're leasing from a dealer, private party, or auction site, here’s what to expect:
| Step | What Happens | Why It’s Fast |
|---|---|---|
| Step 1: Fill Out a Quick Profile | Answer a few questions about your business and truck needs — no hard credit pull. | Takes less than 5 minutes to complete. |
| Step 2: Upload Your Documents | Send in 3 months of business bank statements, your driver’s license or CDL, and the invoice, bill of sale, or link to the truck you want to lease. | Underwriting can begin right away. |
| Step 3: We Review and Match Within 24 Hours | Our team reviews your profile, evaluates your credit, cash flow, and time in business, then matches you with a trusted lease partner. | Approvals typically sent same-day. |
| Step 4: Sign Your Lease and Get Funded | Review terms, sign docs electronically, and we handle the rest. | Many clients get funded in 1–3 business days. |
Pro Tip: Uploading all your documents upfront helps us skip the back-and-forth and get you approved faster.
Your lease terms will depend on your credit, time in business, cash flow, and the dump truck you're leasing — but if you meet our basic qualifications, you're already in a strong position.
| Lease Factor | Typical Range |
|---|---|
| Lease Amount | $25,000 – $250,000+ |
| Term Length | 24 to 60 months |
| Monthly Payment | Often 10–20% lower than a comparable loan |
| End-of-Lease Options | $1 Buyout, 10% PUT, or FMV |
| Funding Timeline | 1 to 3 business days after approval |
We don’t use a cookie-cutter approach. Here's what makes the biggest impact:
Credit Score — 650+ opens access to stronger lease programs
Time in Business — 2+ years helps unlock longer terms and better pricing
Cash Flow — $5,000+ in average ending balance strengthens your file
Truck Type & Age — Newer trucks may qualify for lower payments or longer terms
Pro Tip: Leasing often requires less up front than financing — which helps you preserve capital while still getting the equipment you need.
Want to know what your monthly lease payment might look like? Use this sample table to get a rough idea based on the truck’s price and term length.
| Truck Price | Lease Factor | Term | Estimated Monthly Payment |
|---|---|---|---|
| $75,000 | 0.027 | 48 mo | $2,025 |
| $100,000 | 0.025 | 60 mo | $2,500 |
| $150,000 | 0.024 | 60 mo | $3,600 |
These are estimates only. Actual payments depend on credit, term length, and truck details.
Not sure whether to lease or buy? Here’s a quick breakdown to help you decide:
| Lease | Loan | |
|---|---|---|
| Upfront Cost | Lower (first + last payment or small deposit) | Higher (usually 10–20% down) |
| Monthly Payments | Lower than loan payments | Higher monthly cost |
| Ownership | Optional (buyout at lease end) | You own the truck outright |
| Upgrade Flexibility | Easy to upgrade at end of lease | Must sell or trade to upgrade |
| Best For | Preserving cash, short-term use, flexibility | Long-term ownership, equity building |
Lower upfront cost
Lower monthly payments
Easier to upgrade trucks regularly
Great for cash flow or short-term contracts
You own the truck at the end
No mileage restrictions
Often lower total cost over time
We offer both dump truck leases and equipment loans — and we’ll help you compare side-by-side once we see your full profile.
We work with serious business owners who are ready to grow their fleet — not just shop around for vague quotes.
If you meet these minimum qualifications, you’re already in a strong position to get approved:
| Criteria | What We Look For |
|---|---|
| Time in Business | 2+ years preferred |
| Credit Score | 650 or higher |
| Business Bank Balance | $5,000+ average ending balance (last 3 months) |
| Driver’s License / CDL | Required |
| Equipment Info | Invoice, bill of sale, or listing link |
Lenders care about more than just credit. We help business owners with:
Consistent business deposits and low negative balances
Reasonable truck age and condition
Clear ownership structure
Complete document uploads up front
Pro Tip: If you're buying from a private party or auction, make sure you can verify ownership and condition. That makes approval even faster.
If it hauls dirt, rock, or debris — we can probably lease it.
Whether you're leasing a brand-new unit from a dealer or picking up a used truck at an auction, we work with all types of dump trucks and sellers nationwide.
| Type | Description |
|---|---|
| Standard Dump Trucks | Classic single-frame for general hauling |
| Transfer Dump Trucks | Ideal for large loads with additional trailers |
| Side Dump Trucks | Great for quick unloading on tight job sites |
| Super Dumps | High-capacity trucks with trailing axles |
| Tri-Axle & Quad-Axle | Common for local and regional hauling |
| Off-Road / Articulated | Built for heavy-duty use in mining or construction |
Dealers – Fast approvals with invoice upload
Private Parties – We verify title, condition, and ownership
Auction Sites – Just send us the auction page or winning bid slip
Tip: If you’re leasing a used dump truck, have the VIN, mileage, year, and condition ready. It speeds up the approval process.
No. We use a soft credit pull for pre-qualification — so applying won’t affect your score. A hard pull only happens if you choose to move forward after seeing your lease options.
Most of our leases come with flexible options:
$1 Buyout – Own the truck outright for $1 at the end
10% Purchase Option (PUT) – Buy it for 10% of the original cost
FMV (Fair Market Value) – Return or purchase at market rate
We’ll help you choose the structure that best fits your business.
Yes — we work with:
Private party sellers (as long as title can be verified)
Online and in-person auctions (just upload the auction link or win notice)
Once we have your full profile and documents, approvals usually happen within 24 hours.
Funding can be completed in 1–3 business days, depending on your deal.
To get started, just upload:
3 months of business bank statements
Your driver’s license or CDL
An invoice, bill of sale, or link to the truck you want to lease
Pro Tip: The more complete your submission, the faster we can move. Same-day approvals are common for strong applicants.
If you’re ready to lease a dump truck — and you meet the basic requirements — don’t waste weeks waiting on slow banks or cookie-cutter lease programs.
At TruckLenders USA, we help business owners like you:
Get pre-qualified without a hard credit pull
Match with the right lease program in 24 hours or less
Fund new or used dump truck leases fast — from dealers, private sellers, or auctions
You’ve put in the work to build your business. Now it’s time to scale with smarter equipment leasing.
650+ credit score
2+ years in business
$5,000+ average monthly bank balance
