Get Fast, Flexible Commercial Truck Financing
No hard credit pull. Decisions in 24 hours.
Get Pre-Qualified NowOver $500M funded nationwide
If your business depends on reaching new heights — literally — you need reliable equipment and a financing partner that understands the demands of your work. Whether you’re servicing power lines, installing signs, handling telecom projects, or maintaining streetlights, time is money. You can’t afford slow banks, endless paperwork, or lenders that don’t “get” your industry.
At TruckLenders USA, we work with business owners who meet these minimums:
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 or upgrade. We help you move faster.
No hard credit pull to apply
Same-day approvals in most cases
Flexible terms tailored to your cash flow
Private party and auction purchases welcome
Whether you’re financing a single bucket truck or upgrading your entire fleet, our team structures deals that make sense for your business.
We’ve built our process for serious business owners ready to move quickly.
Step 1: Fill Out Your General Profile
Just a few quick questions about your business.
→ No credit check. No pressure.
Step 2: Complete Your Business & Ownership Profile
We’ll ask for:
Business name, address, EIN, revenue
Owner name, % ownership, SSN
Bucket truck details (year, make, model, price)
Upload:
3 months of business bank statements
Driver’s license or CDL
Invoice, bill of sale, or link to the truck
Step 3: Review & Match Within 24 Hours
Our underwriting team matches you with the right lender based on:
Time in business (2+ years preferred)
Credit score (650+ ideal)
Cash flow ($5K+ ending balance)
Equipment type & purchase method
Step 4: Approval & Funding
We’ll present:
Interest rate range
Estimated monthly payment
Term length & down payment
Once accepted, most deals fund in 1–3 business days.
Tip: Upload complete docs for faster approval and funding.
If you meet the core requirements, you’re already in a strong position.
| Term | Range |
|---|---|
| Loan Amount | $25,000 – $250,000+ |
| Term Length | 24 to 60 months |
| Interest Rates | 8% – 18% |
| Down Payment | 0%–20% (often $0 down for strong files) |
| Funding Timeline | 1–3 business days |
What Affects Your Rate?
Credit Score – 650+ opens better rates
Time in Business – 2+ years unlocks more options
Cash Flow – $5K+ ending balance preferred
Truck Type & Age – Newer = better rates & terms
Curious what your bucket truck payment might look like?
Use our loan calculator below to quickly estimate your monthly cost based on the truck price, interest rate, and term you’re considering. This won’t affect your credit score — it’s just a fast way to explore your options before you apply.
Bucket Truck Loan (Financing) – Best if you want to own long-term
Ownership: You own the truck outright once the loan is paid off.
Equity: Builds equity in a hard asset that can be resold or traded later.
Tax Benefits: Eligible for full Section 179 deduction and bonus depreciation.
Flexibility: Use the truck for as long as you want after payoff with no mileage or usage restrictions.
Best For: Businesses planning to keep the bucket truck 5+ years or that want complete ownership flexibility.
Capital Lease – A lease that acts like a purchase for tax and accounting purposes
Ownership Path: Usually comes with a $1 or fixed-price buyout at the end of the term.
Tax Benefits: Often treated the same as a purchase for Section 179 and depreciation purposes.
Payment Structure: Can be structured with lower payments early in the term to help cash flow.
Best For: Businesses that want the tax benefits of ownership but prefer lease-style payment flexibility.
We offer both financing and lease options — including capital leases — and will walk you through which is best for your situation
Yes — you can write it off, and it can be a huge advantage for your business.
When you finance or lease a qualifying bucket truck for business use, you may be able to take advantage of generous IRS tax deductions — even if you’re making payments over time. This can dramatically lower your net cost of ownership.
With Section 179, businesses can deduct the full purchase price of qualifying equipment — up to $1,250,000 in 2025 — as long as it’s placed in service before December 31, 2025. That means if you buy and start using your bucket truck this year, you could potentially deduct the entire cost on your 2025 tax return.
Even better, bonus depreciation allows you to write off a significant percentage of any remaining cost basis after Section 179, further reducing your taxable income.
| Deduction Type | 2025 Benefit |
|---|---|
| Section 179 | Deduct up to $1,250,000 for qualifying equipment |
| Bonus Depreciation | Additional 40% write-off on remaining cost |
| Business Use Requirement | Must use truck >50% for business |
| Financing OK | Applies even if truck is financed or leased (including capital leases) |
Example:
Finance a $110,000 bucket truck in October 2025. If it’s used more than 50% for business, you could deduct the full $110,000 this year — even though you’ll be paying for it over the next 4–5 years.
Cash Flow Friendly: You keep working capital while still getting the full deduction.
Lower Net Cost: Tax savings can offset a large portion of your first-year payments.
Timing is Key: The truck must be placed in service by December 31 to qualify for the deduction this year.
Pro Tip: Consult with your CPA before finalizing your financing or lease. We’ll coordinate with them to structure the deal so you maximize your tax benefits.
We finance a wide range of commercial-use bucket trucks — whether you’re buying new or used, from a dealer, auction, or private party.
Telescopic Boom Trucks
Designed for long vertical reach, making them ideal for electrical utility work, streetlight maintenance, and telecom installations.
Known for stability and height, these trucks are a staple for contractors handling overhead projects.
Articulating Boom Trucks
Feature a multi-jointed arm for accessing hard-to-reach work areas that are not directly above the truck.
Popular with tree service companies, signage contractors, and utility crews that need both height and maneuverability.
Over-Center Bucket Trucks
Engineered for maximum side reach, allowing the boom to pass fully over the center of the truck.
Ideal for tree trimming, utility line repairs, and municipal maintenance where horizontal reach is essential.
Sign Installation Trucks
Purpose-built for advertising and signage work with tool storage, stabilizers, and easy bucket positioning.
Great for businesses specializing in billboard changes, LED sign installs, and commercial property signage.
Hybrid & Electric Bucket Trucks
Eco-friendly alternatives that reduce fuel consumption and emissions while offering quiet operation — perfect for urban or residential work zones.
Increasingly popular with municipalities and companies committed to sustainability.
We support dealer, auction, and private party purchases — giving you maximum flexibility to find the right truck at the right price.
| Criteria | What We Look For |
|---|---|
| Time in Business | 2+ years preferred for the widest range of lenders and lowest rates. We do have select programs for startups and newer businesses if other factors (credit, cash flow, down payment) are strong. |
| Credit Score | 650+ ideal for the best terms. We can often approve slightly lower scores if you have strong monthly revenue, a large down payment, or additional collateral. |
| Bank Balance | $5,000+ average monthly ending balance shows healthy cash flow. Higher balances may help offset lower credit or shorter time in business. |
| CDL / License | A valid driver’s license or CDL is required for most bucket truck financing programs, especially for trucks over certain GVWR thresholds. |
| Equipment Info | Invoice, bill of sale, or a link to the bucket truck listing. Providing clear details (year, make, model, mileage, price) speeds up underwriting. |
Tip: Even if you don’t check every box above, we can often structure a capital lease or alternative program to help you get approved.
Q: What credit score do I need to finance a bucket truck?
A: We recommend a credit score of 650 or higher for the best rates and terms. That said, we regularly approve clients with slightly lower scores if they have strong business cash flow, a healthy bank balance, or significant time in business. For borderline cases, we can explore co-signers, additional collateral, or alternative programs to help you qualify.
Q: Can I finance a used bucket truck?
A: Absolutely. We finance new and used bucket trucks purchased from dealers, private sellers, and auctions. Used trucks can be a smart choice to save on upfront cost, but keep in mind that older equipment may have shorter maximum loan terms or require a slightly larger down payment. We’ll help you evaluate the best financing structure for the truck you’re buying.
Q: Do you work with startups or newer businesses?
A: Yes — we offer startup-friendly financing programs for businesses with strong revenue or owners who have solid personal credit. Even if you’ve been in business less than 2 years, you may qualify with:
680+ personal credit score
Strong owner income or outside revenue streams
A larger down payment (often 10–20%)
A newer truck in good condition
We can also structure financing as a capital lease for newer businesses to make qualification easier.
Q: How fast can I get funded?
A: Once we have your complete application and documents — including 3 months of business bank statements, driver’s license or CDL, and invoice or bill of sale — approvals can often be issued within 24 hours. After you sign and return the loan documents, funding typically occurs in 1–3 business days. The fastest deals happen when buyers upload all documents upfront and have already selected their truck.
Q: Can I finance more than one bucket truck at a time?
A: Yes — if your financials support it. Many contractors finance multiple trucks at once to expand their crews or replace aging equipment. We’ll review your cash flow, existing debt, and project pipeline to determine the maximum you can qualify for.
Q: Can I get pre-approved without impacting my credit score?
A: Yes — we can run a soft credit pull during the pre-qualification process so your credit score remains unaffected. This lets you shop with confidence knowing your budget and approval status.
If you’re ready to expand, win bigger contracts, or replace an aging truck, don’t wait weeks for a bank to respond.
At TruckLenders USA, we help contractors:
Get pre-approved with no hard credit pull
Match with the right lender fast
Fund dealer, auction, or private purchases
Minimum Requirements:
650+ credit score
2+ years in business
$5,000+ average monthly bank balance
