Dump Truck Loans Options for Construction and Hauling Companies
Dump truck loans provide contractors, haulers, and construction businesses with the financing needed to purchase new or used dump trucks. TopMark Funding offers flexible dump truck loan programs with competitive rates, fast approvals, and options designed to support cash flow and business growth.
Secure the dump truck you need, boost cash flow, and grow your business — it all starts with one quick application.
New and Used Dump Truck Loans Made Easy!
Fast Approvals, Competitive Rates, and No Hard Credit Inquiries
Dump truck financing gives contractors and hauling companies the flexibility to grow their business without draining cash flow. With the right loan, you can own your dump truck outright after your final payment — building equity and qualifying for tax advantages through depreciation and Section 179 deductions.
At TopMark Funding, we specialize in helping small business owners get the equipment they need fast. Our dump truck loan programs feature competitive rates, terms up to 60 months, and funding up to $250,000 — with no hard credit inquiries and zero-down options for qualified buyers.
Whether you’re purchasing a new or used dump truck from a dealership or private seller, we make the process simple. Get pre-approved in minutes, fund in as little as 1–3 days, and get back to what matters most — moving more loads and growing your business.
✔ 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.
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 of 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.
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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
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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
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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
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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
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Why Choose TopMark Funding?
✅ Soft credit inquiry only (no impact to credit score)
✅ 60-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
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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
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How much down payment do I need for a dump truck?
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What credit score do I need for a dump truck loan?
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How long does dump truck financing approval take?
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Can I finance a used dump truck?
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What's the difference between a dump truck lease and a loan?
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Do you offer financing for startup trucking companies?
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Can I get dump truck financing with bad credit?
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
Commercial Truck & Vehicles
+ Box Truck Financing
+ Tow Truck Financing
+ Wrecker Truck Financing
+ Tour Bus Financing
+ Bucket Truck Financing
+ Cargo Van Financing
Construction Equipment
+ Dump Truck Financing
+ Excavators Financing
+ Backhoe Financing
+ Wheel Loader Financing
+ Skid Steer Financing
+ Bulldozer Financing
Waste & Refuse Equipment
+ Garbage Truck Financing
+ Vacuum Truck Financing
+ Roll-Off Truck Financing
+ Sweeper Truck Financing
+ Grapple Truck Financing
+ Septic Truck Financing