Starting a new business is hard enough. Add in the need for equipment — like a bucket truck — and it can feel overwhelming. For many startups, the biggest fear is financing. Especially if you’ve been denied before, have less-than-perfect credit, or don’t have years of business history.
Startup Bucket Truck Financing doesn’t have to feel out of reach. If you're thinking, "How can I get funding when I’m just starting out?" — you're not alone. At TruckLenders USA, we’ve talked to hundreds of small business owners facing the same concern. The good news? There’s a path forward.
You might be more qualified than you think.
If you’re feeling uncertain about getting a bucket truck loan, you’re not alone. Some of the most common reasons business owners hesitate include:
Traditional lenders often make borrowers feel like they’re jumping through endless hoops. After going through the paperwork, waiting weeks for a decision, and getting denied—it’s no wonder many startups are wary of trying again. The fear of rejection is real.
Even worse, some business owners assume that if they’ve been turned down once, they won’t be approved anywhere else. That’s simply not true.
Financing a bucket truck as a startup can be done—you just need the right partner.
Most banks and traditional lenders are built for established businesses — not startups. If you’ve ever applied for a truck loan at a major bank, you probably ran into the following roadblocks:
Many banks require a credit score of 680 or higher. If your score has taken a hit, even temporarily, this can prevent you from getting approved. They don’t always take the full picture into account.
A lot of lenders won't even consider applicants who’ve been in business less than two years. So, even if you have contracts lined up or industry experience, they may overlook you simply for being new.
Be prepared for full tax returns, profit and loss statements, detailed business plans — all before getting a "maybe." This kind of process can take weeks, only to end in disappointment.
Banks often expect down payments of 20% or more. For a bucket truck, that could mean thousands of dollars upfront — not always feasible for a startup managing cash flow.
It’s no wonder that “equipment financing after a denial” has become one of the most searched topics for small business owners.
At TruckLenders USA, we specialize in working with small businesses — including startups and those with credit challenges. Our entire process is built for people who don’t fit the traditional mold.
Here’s how we make Startup Bucket Truck Financing more accessible:
We understand you may be protecting your credit. That’s why we never run a hard inquiry just to get you a quote. You can get prequalified without impacting your credit score.
Forget the mountain of paperwork. We only need three months of business bank statements — even if you’re a new business. If you’ve just started bringing in revenue, you could already be eligible.
No long, complicated paperwork. Our application is just one page. It’s designed to be simple, fast, and startup-friendly.
Most importantly, we don’t shut the door on you for being new or having bumps in your credit history. TruckLenders USA looks at real-world indicators, like revenue and potential, not just a three-digit number or the date you opened your doors.
We've helped thousands of startup businesses finance bucket trucks — even those that had been turned down elsewhere.
Because everything is streamlined, we’re able to give you an answer quickly — often in 24 hours or less. And once you're approved, funding can move just as fast.
Whether you need a new or used bucket truck, we have access to flexible programs that fit your stage and goals. You can also read more about leasing versus financing options if you’re deciding which route to take.
Getting started is easier than you might think. Prequalifying for Startup Bucket Truck Financing takes just minutes and doesn’t impact your credit score. There’s no obligation, and our team will walk you through your options clearly and honestly.
If you were worried about applying — don’t be. You may be more qualified than you think, and the support is here.
If you're in a specific region like Florida, explore our tailored Bucket Truck Financing programs in Florida. Or if you work in a specific industry, like utilities, check out our guide to Bucket Truck Financing for Utility Companies.
Let TruckLenders USA help you take this step with confidence.
