Looking to grow your septic service business with a new vacuum truck, septic pumper, or custom rig? At TruckLenders USA, we specialize in fast, flexible septic truck financing built specifically for wastewater contractors like you. Whether you’re hauling waste, pumping tanks, or subcontracting for municipalities, we make it simple to get approved—no tax returns, no hard credit pull, no hassle. Just straightforward financing that moves at your speed.
Whether you’re a one-truck operation or a growing fleet, we work with septic pros across the wastewater industry:
Residential and commercial septic companies handling pump-outs, maintenance, or full installs
Pump-out service providers focused on scheduled septic cleaning
Wastewater transport businesses needing reliable vac trucks for daily hauling
Municipal subcontractors with government contracts or local pumping jobs
If your business works with waste, sludge, or septic systems—we know your industry, and we know how to get your trucks financed fast.
From standard pumpers to highly customized builds, our team finances all types of septic and vacuum trucks, including:
Vacuum tank trucks
Septic pumpers and hydro-jetters
Custom septic rig builds (including new chassis + tank installs)
New or used equipment
Dealer purchases, private sales, or direct from the manufacturer
Need help reviewing your truck invoice or figuring out what the bank will require? Our team works with septic dealers nationwide and understands the ins and outs of your industry’s equipment.
We offer simple, contractor-friendly financing options designed for small businesses—not big banks.
Up to $250,000 in funding
36 to 72-month terms
No tax returns or profit & loss statements required
No hard credit pull to prequalify
Start with only a few basic details
Whether you're replacing an older rig or adding a second truck to meet growing demand, we can help you secure funding that matches your cash flow and project timelines.
Our septic truck loans are built for experienced contractors. Here's what you’ll need to get started:
650+ credit score (soft pull only to prequalify)
2+ years in business (LLC, Corp, or Sole Prop)
~$15,000/month in gross business revenue
A business bank account and valid ID
If you meet these basic requirements, you’re already in a great position to get approved. Don’t let tax season delays or complicated paperwork slow you down—we skip the fluff and go straight to funding.
We’ve been financing commercial trucks for over 30 years—with a special focus on contractors in niche industries like septic, towing, and vocational hauling.
Here’s what sets us apart:
30+ years in vocational truck lending
Fast-track approvals with soft credit pull
No tax returns or P&Ls required
Underwriting tailored to the septic industry
We’re a commercial-only lender, not a general bank
That means we speak your language—and we understand your truck isn’t just equipment, it’s your income. Our process is built for speed and simplicity, so you can stay focused on running your business.
Can I finance a custom septic buildout?
Yes. We work with both manufacturers and upfitters to finance full custom septic rigs, including chassis + tank packages.
Do you finance from a manufacturer directly?
Absolutely. If you’re buying direct from a septic tank manufacturer or a vacuum truck builder, we’ll review the invoice and fund the seller directly.
Can I finance a used septic truck from Craigslist or Facebook Marketplace?
Yes, as long as we can verify the seller, condition, and value of the truck. Private-party deals are common—we’ll guide you through the paperwork.
What if I have a lower credit score or less than 2 years in business?
We look at each deal individually. If you’re close, we may still have options—especially if you have strong cash flow or equipment equity.
Is there a prepayment penalty?
Most of our loans allow early payoff with little to no penalty. We’ll confirm terms before you sign so there are no surprises.
How long does it take to get approved?
Many deals are approved within 24–48 hours once we receive your basic information and invoice. We move fast—because we know your work can’t wait.
Need more info? Explore these helpful guides:
Don’t let paperwork slow down your next job. Prequalify in 60 seconds—no tax returns, no hard credit pull, and no obligation.
Fast approvals. Industry expertise. Loans up to $250K.
Let’s get your truck funded so you can get back to business.
