Fast, Flexible Loans for Tow Truck Operators – No Hard Credit Pull
Looking to finance a tow truck for your business? Whether you're an experienced owner-operator or expanding your fleet, TruckLenders USA offers fast, no-hassle tow truck financing designed specifically for vocational buyers. If you have 650+ credit, 2+ years in business, and generate $15,000+ in monthly revenue, you can get approved without tax returns or a hard credit pull.
We understand the urgency and precision required in the towing industry. That’s why we’ve streamlined our financing process to help you get on the road faster—without endless paperwork or dealership markups.
We specialize in tow truck financing for hardworking professionals and growing businesses across the industry. Whether you're towing cars off freeways or fulfilling municipal contracts, we’ve got you covered.
Owner-Operators – Buy your first or next truck with zero dealer pressure.
Small Fleets – Add vehicles to meet demand or replace aging equipment.
Roadside Assistance Companies – Stay equipped with the right trucks to service your coverage zones.
Municipal Contractors – Finance compliant vehicles for government RFPs and local bids.
If your business depends on towing, our financing options are built to match your operational pace.
You’re not stuck with rigid bank loans. Our tow truck loans are tailored to real-world scenarios—flexible enough for used trucks, private sellers, or specialty rigs.
We finance:
Used & New Tow Trucks – Including commercial-grade models
Tow Types – Flatbeds, wreckers, rollbacks, wheel-lift, integrated systems
Terms – 36 to 72 months
Loan Size – Up to $250,000 per vehicle
Seller Type – Both private party and dealership purchases accepted
Need to finance multiple trucks? We can structure multi-unit deals under one approval.
Our process is built for speed—but we still need to know you're in a strong position to repay. Here's what we look for in qualified applicants:
Minimum Credit Score: 650+
Time in Business: At least 2 years operating under your business entity
Monthly Revenue: $15,000 or more (bank statements accepted)
Entity Type: LLC, Corporation, or Sole Proprietor
No tax returns required. No hard credit pull to prequalify.
We don’t work with startups, but we’re happy to revisit once your business is established.
From light-duty wreckers to fully integrated recovery rigs, we fund all major classes of towing vehicles:
Light Duty Tow Trucks – Ideal for roadside service and general tows
Medium Duty Tow Trucks – For increased capacity and versatility
Heavy Duty Wreckers – Handle buses, semis, and large vehicles
Specialty Rigs – Including repo trucks, rotators, and integrated systems
Have a truck picked out already? Submit a quote or link, and we’ll run the numbers.
Unlike big banks or dealership financing, TruckLenders USA is 100% focused on commercial lending. That means faster decisions, fewer roadblocks, and loan terms built for business owners—not retail buyers.
Here’s why vocational clients choose us:
30+ Years in Commercial Lending – We know your industry inside out
Same-Day Approvals – Many deals prequalify within 2–4 hours
No Dealership Markup – We work directly with you, not for dealer commissions
No Tax Returns Required – Bank statements and app-only deals welcome
Dedicated Lending Advisors – Talk to someone who understands vocational trucks
Your tow truck is a business tool—not a luxury purchase. We treat it that way.
Can I finance a used tow truck?
Absolutely. We finance used trucks from dealers or private sellers, as long as the vehicle is in good working condition and matches your approved loan amount.
Do I need a CDL to qualify?
Not necessarily. CDL requirements depend on your state and the type of truck. For financing, we only care that your business is properly licensed and insured.
Can I finance multiple trucks at once?
Yes. We can bundle financing for two or more trucks under a single approval, provided you meet income and credit requirements.
Do you work with startups or brand-new businesses?
Not at this time. We require a minimum of 2 years in business to qualify for vocational lending.
Do you finance trucks from private sellers?
Yes—we accept both dealer and private party transactions. We’ll help you structure the deal and handle lien checks.
Still have questions? Our team is here to help—no pressure, no obligation.
Want to dive deeper into specific loan scenarios? Check out these helpful guides:
Each guide covers key considerations like loan structures, seller types, and tips to boost approval odds.
If you’re ready to move forward—or just want to see what you qualify for—start with a 60-second prequalification. There’s no hard credit pull, no obligation, and no dealer markup.
We’ll review your file, match you with the right program, and help you secure the funding you need—fast.
