Get Pre-Approved for Dump Truck Financing

Looking for dump trucks for sale and need financing? TopMark Funding offers fast, flexible dump truck financing programs for contractors and fleet owners. Get pre-approved in minutes — with no hard credit inquiry and funding up to $250K in 24 hours.

✅ No Money Down Options Available
✅ Competitive Rates & Lightning-Fast Funding
✅ Startups Welcome with Good Credit
✅ Guaranteed No Hard Inquiry Quote
✅ Approvals Up to $250K – App Only

👉 Apply now and secure your dump truck with confidence.

Flexible Dump Truck Loan Programs for Contractors & Fleet Owners

Apply Online in Minutes – No Hard Credit Inquiry

Shopping for a dump truck for sale and need dump truck financing? TopMark Funding helps business owners like you get approved fast for new and used dump trucks for sale from any dealer, auction, or private seller. Whether you’re expanding your fleet or buying your first dump truck, our flexible dump truck loan and dump truck lease programs make it easy to secure the equipment you need, with no hard credit inquiry and funding up to $250K in 24 hours.

Get approved fast with TopMark Funding — the #1 commercial dump truck financing company. We make it easy to secure the dump truck you need with quick approvals, flexible programs, and no hard credit inquiries. Start generating revenue and growing your business today.

✔ Guaranteed No Hard Inquiries

Get pre-approved in minutes. Guaranteed no hard inquiries. 100% NO negative impact on your personal or business credit.

✔ 60-Day Pre-Approval

When you’re pre-approved by TopMark Funding, your pre-approval is good for 60 days. No additional credit checks.

✔ Quick & Easy + Fast Funding!

Dump truck financing made easy! We’ve created a quick and easy approval process and super-fast funding!

✔ Excellent Customer Service

#1 rated dump truck financing company by drivers like you. Client satisfaction is our top priority! Your success is our success.

✔ Startups Welcome

We have a great dump truck financing program for startups with good credit. No money down, flexible terms, and competitive rates

✔ Any Make & Model

We specialize in commercial dump truck financing. It’s what we do! We can finance any make or model of dump truck.

Trusted By Business Owners Like You

Real Customers. Real Growth. Real Reviews.

At TopMark Funding your satisfaction is our top priority. With decades of commercial trucking experience, we know how important it is to deliver a great customer experience. Check out our reviews from our amazing customers.

Great

TopMark Funding

Jose R.

I just bought a unit for my business, Dylan was a great help in this process. Everything was very clear and quick. I recommend them 100%.

ramzi A.

I just purchased my fourth truck with topmark, its the right place to grow your business. I want to thank specifically Dylan, he got me through the deal, swiftly and timely. He has a great personality and I looking forward to working with him in the future. 10/10 Dylan thank you my man.

MrFatman2334

Dylan was fantastic. Him and the entire team was fantastic I’m very appreciative of Dylan for helping me a communicating with me through the whole process. Everything worked itself out and it was perfect timing. Thank you and I appreciate you.

Thomas G.

Top notch company, fast funding for my start up. Real easy all was done online. Communication was great at every step. Will most definitely use them again for my next truck! Thank you TopMark for helping me out!

Ed A.

Dylan, he is one of my go loan guy from here on out. He was with me with every step of the funding process. So glad I found them and very happy doing business with them (TopMark), especially Dylan Schmidt. He is your go to loan guy if you need funding!

Jonathan G.

Friendly and worked with me I don’t have the best credit thanks

Leity Dorta M.

I had an outstanding experience working with Dylan Schmidt at TopMark Funding on securing a loan for the purchase of my commercial trailer. From start to finish, Dylan was knowledgeable, professional, and incredibly supportive throughout the entire process.

Thanks to Dylan’s expertise and dedication, I was able to get the financing I needed without any headaches. I truly appreciate his hard work and highly recommend him to anyone looking for financing assistance

Jim K.

TopMark made it happen while other finance companies were dragging their feet. Dylan did a great job communicating and working with me through the entire process of finding and financing my first truck.

Alex B.

Dylan has been extra helpful during this entire funding process. You can tell he is a kind person who really cares about his customers, as well. I'm glad Enterprise works with TopMark Funding so the purchase was as simple as possible.

Ani G.

I was happy since beginning with TopMark Funding and I'm happy as well because everything they did on time and always helped as I needed

Binding M.

TopMark Funding made the process of funding our first truck simple and stress-free. As a new company, we really appreciated the personal touch — they didn’t just approve us, they supported us every step of the way. They call to remind us when payments are coming up and always check in to make sure everything is okay. Anytime we had a question or concern, someone reached out immediately. Their service is smooth, professional, and genuinely caring. Highly recommended!

Aron B.

They made getting the funding for my semi and my trailer very pleasant. JK you rock, thanks for being patient through the process.

Steven M.

Working with Topmark representative Derreck Sargent was an amazing experience. I look forward to working with him in the future.

Darren D.

Easy and fast funding. Sent in the paperwork they needed and it was a smooth process. Thanks Freddy

Dee B.

Top mark moved fast once I found the truck that I wanted. My rep Brian is one of the best. Keep me updating the entire process and Made sure the deal got done. Definitely hit him up if you looking at going through TOP Mark Funding!!!!

Yaneiris B.

Thank you for MAKING IT HAPPEN!! BEN you are the best. You are pleasant and such a go getter.
Helped expedite the process smoothly
Thank you for all your help, Im super happy to have meet you and look forward to doing business with again soon 😊
If your looking for business or trucking business ask for Ben.

Good Source Trucking I.

TopMark Funding provided quick and easy trailer financing. I highly recommend them.

Christopher L.

Thomas was efficient and helpful! Made sure to follow up and get the job done.

Guillermo F.

Nick and his whole team were amazing. Made the process really easy and answered any questions I had. I highly recommend using TopMark Funding.

mark S.

Trevor was on top of everything. It was the smoothest purchase of a semi that I have ever bought

Brack R.

Nick and the whole team were great to work with.

Malana W.

Very professional! At the beginning I was very skeptical because of what I was doing. I’m just a poor boy from the south. Trevor kept me informed on everything,(most of the time I dreaded to hear from him ,but he was great) he can make things happen!!!!!!!! I have big dreams in the dump truck world and Trevor give me the opportunity to get something newer and more reliable!! He’s in California and I’m in Alabama and he made my dreams come true.
I would love to go have a beer or margaritas with this guy anytime!!
Thank you

Waldeir D.

very well attended, trevor McCoy very professional and very competent

Darrell D.

Real quick and fast with results!!!

Brandon B.

Worked with Top Mark for the purchase of one truck last November, overall pretty good experience. I would have liked a bit more detail of the financing aspect because it was a bit confusing at first, but honestly i would use them again if i ever needed anymore trucks. Definitely a company i would recommend to someone that wants to finance there 1st truck!

Rachel W.

Worked with Brian Perry for a few days to purchase a second moving truck and he was swift and responsive. However halfway through financing, the person who was helping me invest in this truck decided they would buy the truck outright and we would make payments to them instead to bypass interest etc. Brian was understanding in a what I am sure was an annoying situation and there was no problem getting the $1,500 initial documentation fee refunded to our account. If I ever found myself needing financing again I would use this company.

Jemdy S.

Dylan, always on point and ready to get the job done. Thank you very much!

Ryan N.

Be sure to ask for Mitch or Nick. They were amazing to work with. They made the process so easy, I never had to get out of my truck. 10/10 review for these guys and the company, I'll be back at Top Mark for my next purchase.

Mike W.

Fast process from application to release of funds, and delivery of truck

Phillip J.

Great people to work with in financing your first truck for my business. Thanks, Tyler you work wonders, great job.

Flexible Dump Truck Loan Programs for Contractors & Fleet Owners

Apply Online in Minutes – No Hard Credit Inquiry

Whether you’re buying a new or used dump truck for sale from a dealer, auction, or private seller, TopMark Funding makes it simple to get the financing you need — fast. We specialize in dump truck loans and leases for contractors, construction companies, and hauling businesses nationwide.

Finance Peterbilt, Kenworth, Mack, Freightliner, or International dump trucks with confidence. We offer app-only approvals up to $250K, no hard credit inquiries, and funding in as little as 24 hours.

Our programs are built for both established fleet owners and startups with good credit. Choose from dump truck lease options or low down payment loan programs designed to fit your business and budget.

✅ Finance any make or model — new or used
✅ Buy from any dealer, auction, or private seller
✅ Guaranteed No Hard Inquiries – No impact on your personal or business credit

Start your application today and see why thousands of business owners choose TopMark Funding for dump truck financing that works as hard as you do.

👉 Apply Now – Get Pre-Approved in Minutes (No Hard Inquiry)

Trusted by Dump Truck Professionals Nationwide

Real Reviews from Owner-Operators and Contractors Just Like You

Frequently Asked Questions About Dump Truck Financing

How much down payment do I need for a dump truck?
The down payment required for dump truck financing depends on your credit history, business experience, and the equipment you’re buying. We typically require an upfront cost to reduce risk, but the exact amount varies with each program.

In general:

Applicants with strong credit may qualify for lower or no down payment requirements.

Borrowers with limited or challenged credit may need to put more money down to secure approval.

Other factors such as whether the dump truck is new or used, purchased from a dealer or private party, or being financed by a fleet owner or owner-operator, also influence the required amount.

Since down payment requirements are always based on your individual profile, the best way to know what you’ll need is to submit a quick pre-qualification application. At TopMark Funding, this process is fast, has no hard credit inquiry, and gives you personalized financing options for your dump truck.
What credit score do I need to finance a dump truck?
The credit score required for dump truck financing depends on your credit history, time in business, and the specific program you qualify for. At TopMark Funding, we generally look for a 600+ FICO score, at least 2 years in business or equivalent industry experience, and a stable financial profile.

Here’s what to keep in mind:

Applicants with a strong credit history are more likely to qualify for better rates, lower down payments, and longer terms.

Borrowers with average or challenged credit may still qualify, but could face higher monthly payments or larger upfront costs.

Well-qualified co-signers can sometimes help strengthen an application.

Homeownership for 2+ years is a positive factor but not required for approval.

Other factors like the age of the equipment, whether the dump truck is new or used, and if you’re applying as an owner-operator or fleet owner also play a role in the approval process. We also offer dump truck financing programs for startups with good credit and proven industry experience.

Because credit score is only part of the application, the best way to know if you qualify is to fill out a quick pre-qualification form. At TopMark Funding, you’ll see your options in minutes with no hard inquiry and no impact on your credit report.
How long does dump truck financing approval take?
Approval times for dump truck financing depend on your credit profile, business history, and the type of program you apply for. TopMark Funding can provide a quick decision, while others may take longer if additional documents are needed.

Some approvals can be given the same day when all information is ready.

Others may take a few business days if your application requires more review.

Factors like credit history, time in business, and whether the truck is new or used all play a role in how fast a financing company can finalize terms.

At TopMark Funding, most applicants can get pre-qualified in minutes with no hard inquiry, giving you a fast look at your options without affecting your credit score.
Can I finance a used dump truck?

Yes, you can finance a used dump truck. Many contractors, fleet owners, and owner-operators choose used equipment because it lowers the upfront cost compared to new trucks. Financing a used dump truck works much like financing a new one, but the approval terms often depend on the truck’s age, mileage, and condition.

At TopMark Funding, we offer financing for both new and used dump trucks. The best way to see what you qualify for is to fill out a quick pre-qualification application. You’ll get answers in minutes, with no hard inquiry and no impact on your credit score.
What's the difference between a dump truck lease and a loan?
The main difference between a dump truck lease and a dump truck loan is ownership.

With a dump truck loan, you make fixed monthly payments until the loan is complete, and then you own the truck outright. Loans are a good choice for businesses that want long-term ownership and to build equity in their equipment.

With a dump truck lease, you make lower monthly payments to use the truck for a set term. At the end of the lease, you usually have options to buy the truck, renew the lease, or return it. Leases are often preferred by trucking companies that want to keep upfront costs low and maintain flexibility.

Both options can be structured to fit your credit history, cash flow, and business needs, and each has advantages depending on whether you’re focused on short-term costs or long-term ownership.

Not sure which is right for you? At TopMark Funding, we offer financing programs for both dump truck loans and leases. Fill out a quick pre-qualification application and see your options in minutes with no hard inquiry.
Do you offer financing for startup trucking companies?
Yes, TopMark Funding offers financing programs for startup trucking companies and new owner-operators who need dump trucks to get their business rolling. We know that purchasing your first dump truck can feel overwhelming, and traditional banks don’t always work with startups – that’s where we come in.

Here’s what to keep in mind with startup dump truck financing:

Approval is based on your credit history, upfront cost, and overall profile.

Prior construction or trucking experience can strengthen your application.

A well-qualified co-signer may help you qualify for better terms.

Homeownership for 2+ years is a positive factor, though not required.

At TopMark Funding, we specialize in dump truck financing for both new and experienced businesses. The best way to see if you qualify is to complete a quick pre-qualification application. You’ll see your options in minutes, with no hard inquiry and no impact on your credit score.
Can I get dump truck financing with bad credit?
Yes, it’s possible to get dump truck financing with bad credit, but approval terms depend on your credit history, time in business, and the program you qualify for. Lenders may view challenged credit as higher risk, which can mean larger upfront costs, higher loan payments, or shorter terms.

Here’s what you should know:

A well-qualified co-signer can sometimes improve approval chances.

Homeownership for 2+ years is considered a positive factor, but not required.

The type of equipment matters — newer trucks often qualify for better programs than older, high-mileage models.

Startups with industry experience may still qualify if other parts of their profile are strong.

Since every approval is unique, the best way to know if you qualify is to submit a pre-qualification application. At TopMark Funding, you can see your options in minutes with no hard inquiry and no impact on your credit score.

Get Pre-Approved for Dump Truck Financing

Flexible Dump Truck Loan Programs for Contractors & Fleet Owners

Apply Online in Minutes – No Hard Credit Inquiry

✔ Guaranteed No Hard Inquiries

✔ 60-Day Pre-Approval

✔ Quick & Easy + Fast Funding!

✔ Excellent Customer Service

✔ Startups Welcome

✔ Any Make & Model

Trusted By Business Owners Like You

Real Customers. Real Growth. Real Reviews.

Flexible Dump Truck Loan Programs for Contractors & Fleet Owners

Apply Online in Minutes – No Hard Credit Inquiry

👉 Apply Now – Get Pre-Approved in Minutes (No Hard Inquiry)

Trusted by Dump Truck Professionals Nationwide

Real Reviews from Owner-Operators and Contractors Just Like You

Frequently Asked Questions About Dump Truck Financing

How much down payment do I need for a dump truck?

What credit score do I need to finance a dump truck?

How long does dump truck financing approval take?

Can I finance a used dump truck?

What's the difference between a dump truck lease and a loan?

Do you offer financing for startup trucking companies?

Can I get dump truck financing with bad credit?