Garbage Truck Financing for Waste, Refuse, and Recycling Fleets – No Hard Inquiries
Flexible garbage truck financing for waste, refuse, and recycling fleets. Fast approvals, competitive terms, and no hard credit inquiries to help you expand routes and keep operations running smoothly.
$700 MM +
Equipment Funded By TopMark Funding
100 +
Expert Team Members Ready to Help
11.5K +
Businesses Funded & Growing!
50 +
Funding Programs to Meet Your Needs
Fast Funding and Flexible Terms for New and Used Garbage Trucks
Competitive Waste Equipment Financing for Growing Hauling Businesses
TopMark Funding® provides flexible garbage truck financing solutions for waste management companies, refuse haulers, recycling operators, municipal contractors, and growing sanitation fleets nationwide. Whether you’re replacing aging equipment or expanding routes, we offer financing programs designed to support your cash flow, operational demands, and long-term growth.
We provide garbage truck loans, garbage truck leases, and Equipment Finance Agreements (EFAs) for all major truck configurations, including front loader, rear loader, side loader, automated side loader, roll-off trucks, and refuse collection vehicles. Financing is available for new or used garbage trucks purchased from dealerships, auctions, or private sellers.
With fast approvals, competitive terms, and no hard credit inquiries during pre-approval, TopMark Funding® makes it easy to secure the right garbage truck and keep your waste and recycling operations running efficiently.
Get pre-approved in minutes. Guaranteed no hard inquiries. 100% no negative impact on your personal or business credit.
When you’re pre-approved by TopMark Funding, your pre-approval is good for 60 days. No additional credit checks.
Vocational truck financing made easy! We’ve created a quick and easy approval process and super-fast funding!
#1 rated equipment financing company by drivers like you. Client satisfaction is our top priority! Your success is our success.
We have a great equipment financing program for startups with great credit. No money down, flexible terms, and great rates
We finance every major garbage truck configuration used in waste and recycling operations.
Trusted By Business Owners Like You
Real Customers. Real Growth. Real Reviews.
At TopMark Funding your satisfaction is our top priority. With decades of equipment financing experience, we know how important it is to deliver a great customer experience. Check out our reviews from our amazing customers.
Types of Garbage Truck Financing Options
Flexible Programs Built Around Your Business Needs
Choosing the right garbage truck financing program can have a major impact on your monthly payments, cash flow, and long-term profitability. TopMark Funding® offers flexible garbage truck loans, garbage truck leases, and lease-to-own options for all configurations, including front loaders, rear loaders, side loaders, automated side loaders, roll-off trucks, and refuse collection vehicles.
Whether you’re a waste management company, refuse hauler, recycling operator, municipal contractor, or a growing sanitation fleet, we tailor financing solutions to match your equipment needs and support your business goals.
Equipment Finance Agreement (EFA)
Garbage Truck Ownership with Fixed, Budget-Friendly Payments
An Equipment Finance Agreement (EFA) lets you own your garbage truck with fixed monthly payments and no large end-of-term buyout.
EFAs are ideal for waste management companies, refuse haulers, recycling operators, municipal contractors, and sanitation fleets that want predictable costs and potential tax advantages. With fast approvals and no hard credit inquiry, TopMark Funding® makes long-term garbage truck ownership simple and efficient.
Get pre-approved in minutes and put your garbage truck to work fast.
Flexible Garbage Truck Leasing Options
Garbage Truck Leasing Built for Waste, Refuse, and Recycling Fleets
Leasing a tow truck is a smart way to lower upfront costs while keeping predictable monthly payments. It’s an ideal option for towing companies, recovery fleets, roadside assistance providers, repossession operators, and owner-operators who want newer equipment without long-term ownership commitments.
TopMark Funding® offers flexible FMV and TRAC tow truck leases for flatbed tow trucks, wheel-lift units, integrated wreckers, heavy-duty wreckers, and rotator trucks. Our leasing programs help preserve cash flow, support regular fleet upgrades, and keep your equipment reliable and ready for every call.
Get pre-approved in minutes and lease your next tow truck with confidence.
New & Used Garbage Truck Loans
Build Equity in Your Garbage Truck with Every Monthly Payment
A garbage truck loan is the best option for waste and refuse businesses that want full ownership once payments are complete. With fixed monthly payments and flexible terms, TopMark Funding® makes it easy to finance new or used garbage trucks from dealerships, auctions, or private sellers nationwide.
Garbage truck loans allow you to build equity over time and may offer tax advantages through depreciation and interest deductions. We work with waste hauling companies, refuse fleets, recycling operators, municipal contractors, and owner-operators to secure competitive rates and fast approvals—so you can expand your routes and fleet without disrupting operations.
Take control of your fleet’s growth—get pre-approved for a garbage truck loan today.
Our Simple 4-Step Garbage Truck Financing Process
We’ve streamlined equipment financing so you can get approved quickly and start earning revenue with your new equipment.
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Step 1: Get Pre-Approved
Complete our quick and easy online application or call (866) 627-6644. We’ll ask about your business, credit situation, and the equipment 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 a few 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 60 days with no additional credit checks.
⏱ Fast response time | ✓ 60-day pre-approval | 👤 Dedicated support
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Step 3: Find Your Equipment and Submit Documents
Shop for up to 60 days at any dealership or private seller. When you find your equipment, 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… 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.
⏱ 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 vocational 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 60 days | Application takes 5 minutes or less | No hard inquiries guaranteed
Trusted by Business Owners Nationwide
Chosen by Waste Hauling Companies and Refuse Fleets Nationwide
At TopMark Funding®, we prioritize your success. With years of expertise in financing commercial trucks and heavy equipment, we deliver a smooth, reliable experience from start to finish. See why customers trust us.
Garbage Truck Financing Frequently Asked Questions
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What types of garbage trucks can be financed?
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Can I finance a used garbage truck?
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Do you offer garbage truck loans and leases?
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What credit score is needed to qualify for garbage truck financing?
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How much down payment is required for garbage truck financing?
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How long does garbage truck financing take?
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Can startups or new waste companies get approved?
Garbage Truck Financing Glossary of Common Terms
Understanding the terminology used in garbage truck financing can help you make smarter, more confident decisions when buying or leasing waste and refuse equipment. Whether you operate a waste hauling company, recycling operation, municipal fleet, or private refuse service, this glossary explains the most common terms you’ll encounter when financing garbage trucks, front loaders, rear loaders, side loaders, roll-off trucks, and other waste collection vehicles. Use this quick reference to better understand financing options, approval considerations, and equipment structures so you can choose the best solution for your waste management business.
Garbage Truck
A specialized commercial vehicle designed for collecting, compacting, and transporting municipal or private waste.
Front Loader Garbage Truck
A refuse truck that uses front-mounted forks to lift and empty large commercial dumpsters over the cab.
Rear Loader Garbage Truck
A garbage truck where waste is manually or automatically loaded from the rear, commonly used for residential routes.
Side Loader Garbage Truck
A refuse truck that loads waste from the side, often equipped with automated arms for residential collection.
Roll-Off Garbage Truck
A truck designed to transport large open-top containers using a hook-lift or cable system, commonly used for construction debris and bulk waste.
Automated Collection Truck
A garbage truck that uses mechanical arms to lift carts, reducing labor costs and improving route efficiency.
Compactor Body
The rear body of a garbage truck that compresses waste to increase hauling capacity.
Waste Equipment Financing
Commercial financing programs used to purchase or lease garbage trucks and refuse equipment for business or municipal use.
Garbage Truck Loan
A financing option that allows a business to own a garbage truck after completing fixed monthly payments.
Garbage Truck Lease
A financing structure that provides use of a garbage truck for a set term, often with a buyout option at the end.
Equipment Finance Agreement (EFA)
A loan-style financing option with fixed payments where ownership transfers to the borrower at the end of the term.
FMV Lease (Fair Market Value Lease)
A lease where the truck may be purchased at its fair market value at the end of the term.
TRAC Lease
A lease structure commonly used for heavy vehicles that allows flexible end-of-term purchase options.
Residual Value
The estimated value of a garbage truck at the end of a lease term.
Down Payment
An upfront payment required on some garbage truck financing programs, based on credit and equipment type.
Soft Credit Pull
A credit check used for pre-approval that does not impact personal or business credit scores.
Municipal Waste Fleet
Garbage trucks operated by a city or government entity for public waste collection.
Private Waste Hauler
A company that provides waste collection services under commercial contracts rather than municipal ownership.
Get the Equipment Financing You Need – Fast, Simple, and Hassle-Free
At TopMark Funding®, we make it easy for owner-operators, fleets, construction, waste, and refuse companies to get the financing they need to grow. Fast approvals, flexible programs, and no hard credit inquiries — because getting your next truck shouldn’t slow you down.