Dump Truck Loans

Guaranteed No Hard Inquiries

Looking to Buy a Dump Truck and Need a Dump Truck Loan? TopMark Funding Can Help! #1 Rated Dump Truck Finance Company. Helping Business Owners Like You Grow Your Fleet and Increase Your Revenue!

Best Rates & Fast Funding
No Money Down!
Startups Welcome With Great Credit
Get Approved for $250k Within 24 Hours – Application Only!
Guaranteed No Hard Inquiries

New and Used Dump Truck Loans Made Easy!

Dump truck loans allow businesses to purchase commercial dump trucks through structured financing where you own the equipment after final payment. Unlike leasing, loans build equity and provide tax advantages through depreciation.

TopMark Funding offers dump truck loans with competitive rates, terms up to 60 months, and financing up to $250,000 (application only). Programs include zero-down payment options for qualified buyers, startup financing with 650+ credit scores, and bad credit solutions with well-qualified co-signers.

The dump truck serves as collateral, making approval based on equipment value and industry experience rather than just business revenue. Get pre-approved in minutes with a soft credit inquiry—no impact to your credit score. Fund in 1-3 days* and buy from any dealer or private seller.

✔ 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 up to 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 great credit. No money down, flexible terms, and great rates

✔ Any Make & Model

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

Trusted By Dump Truck Owners Like You

Real Customers. Real Growth. Real Reviews.

At TopMark Funding, we put our customers first. With decades of experience in commercial truck and dump truck financing, we understand how important it is to provide fast approvals, flexible programs, and a smooth process from start to finish. Don’t just take our word for it — read the reviews from owner-operators, fleet owners, and trucking companies who have trusted us with their financing.

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.

Dump Truck Loan Requirements and Qualifications

Before applying for a dump truck loan, understanding qualification requirements helps you prepare and increases approval chances. Requirements vary by program (startup, zero-down, bad credit), but these are the core factors lenders evaluate:

Credit Requirements

Minimum 600 FICO score (preferably with a well-qualified co-signer)
Startup programs require 650+ FICO with 10% to 40% down
Bad credit programs available with 500+ FICO and higher down payment
We use soft credit inquiries for pre-approval (zero impact to your score)

Business and Experience Requirements

2+ years industry experience preferred
CDL license in good standing
Startups accepted with strong credit and industry background
Business documentation (tax returns, bank statements for some programs)

Down Payment Requirements

Zero down available for well-qualified applicants
Startup programs: 20% minimum down payment for well-qualified applicants
Bad credit programs: 20-50% down payment, depending on credit profile
Higher down payments typically secure better terms and are easier to approve

Dump Truck Requirements

Maximum age: 10 years old
Maximum mileage: 700,000 miles
Must be appropriate for your intended commercial use
VIN/serial number verification
Purchase from a reputable dealer or a private seller

Our Simple 4-Step Dump Truck Financing Process

We’ve streamlined dump truck financing so you can get approved quickly and start earning revenue with your new truck.

Step 1: Get Pre-Approved within 24 Hours

Complete our quick and easy online application or call (866) 627-6644. We’ll ask about your business, credit situation, and the dump truck you need. We use only a soft credit inquiry that has zero impact on your credit score – guaranteed.

⏱ Application 2-5 minutes | 💳 Zero credit impact | 📱 Online or phone
Step 2: Speak With Your Account Executive

A dedicated financing specialist reviews your application and contacts you within 2 hours or less. They’ll discuss your financing options (EFA, lease, loan), provide rate ranges, and answer questions. Your pre-approval is valid for up to 90 days with no additional credit checks.

⏱ Fast response time | ✓ 90-day pre-approval* | 👤 Dedicated support
Step 3: Find Your Truck and Submit Documents

Shop for up to 90 days at any dealership or private seller. When you find your dump truck, submit the required documents (we may not need all of these depending on the program you qualify for): tax returns, bank statements, driver’s license, insurance, etc… Document gathering typically takes 1-3 days depending on your business structure and what’s readily available. Your account executive will guide you through exactly what’s needed.

🤏 Minimal documents | 🚛 Any dealer/seller | 📤 Electronic submission
Step 4: Sign and Get Funded

Review your financing contract with all terms clearly disclosed. Sign electronically, and we’ll fund your equipment as soon as possible! We coordinate payment directly with your dealer or seller so you can hit the road fast. Funding typically occurs within 1-3 business days after signed documents are returned, though timing varies by transaction complexity.

⏱ Fast funding | 📝 E-signature accepted | 🎯 Quick & easy process
Why Choose TopMark Funding?

✅ Soft credit inquiry only (no impact to credit score)

✅ 90-day pre-approval window (not 30 days like competitors)

✅ Finance from any dealer or private seller nationwide

✅ Pre-approval up to $250k for qualified applicants

✅ Dedicated specialist (not a call center)

✅ Fast funding after signed documents
Get Pre-Approved Today!

Start your dump truck financing with zero credit impact. Know what you qualify for before you shop.

Get Pre-Approved Now or Call: (866) 627-6644

Pre-approval valid for up to 90 days* | Application takes 5 minutes or less | No hard inquiries guaranteed

*Note: Timelines are estimates and vary based on application complexity, completeness of documentation, credit profile, and transaction size. Your account executive will provide specific timeline expectations for your situation.

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 for a dump truck loan?
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.

Trusted by Trucking Professionals Nationwide

Real Reviews from Owner-Operators and Fleet Owners Just Like You

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.

Glossary of Dump Truck Financing Terms

Not sure what certain financing terms mean? We’ve put together a quick glossary of the most common dump truck financing terms. Each definition is written in plain language so owner-operators, fleet owners, and trucking companies can better understand their financing options. This helps you compare loan and lease programs with confidence

Dump Truck Loan

A financing program where you borrow money to purchase a dump truck. You make fixed monthly payments until the loan is complete, and you own the truck outright.

Dump Truck Lease

An agreement that lets you use a dump truck for a set term with lower monthly payments. At the end of the lease, you can return, renew, or purchase the truck for a residual value.

Equipment Finance Agreement (EFA)

A flexible financing structure for commercial vehicles and equipment. Ownership transfers to you once all scheduled payments are made.

Bad Credit Dump Truck Financing

Financing programs created for applicants with lower credit scores. These often require larger down payments or higher monthly payments.

TRAC Lease

A Terminal Rental Adjustment Clause lease often used in trucking. At the end of the term, you can purchase the dump truck at a pre-set residual value, renew, or return it.

Residual Value

The estimated worth of a dump truck at the end of a lease term, which helps determine your buyout price.

Down Payment

The upfront cost you pay when financing a dump truck. The amount varies based on credit profile, time in business, and the lender’s requirements.

Owner-Operator

A driver who owns and operates their own dump truck instead of driving for a company.

Pre-Qualification

A quick financing review that shows you potential terms without a hard credit inquiry. At TopMark Funding, pre-qualification has no impact on your credit score.

Fleet Owner

A business owner or company that operates multiple dump trucks or vocational trucks.

Vocational Truck

A type of truck built for specific jobs, such as dump trucks, tow trucks, garbage trucks, or cement mixers.

GVWR (Gross Vehicle Weight Rating)

The maximum safe weight a dump truck can carry, including its own weight and the load. Lenders sometimes consider GVWR when evaluating financing.

Commercial Truck Financing

A financing program designed specifically for business-use vehicles, including dump trucks, tractor-trailers, and other heavy-duty trucks.

What We Finance Grow Your Fleet & Increase Your Revenue