Roll-Off Truck Financing Made Easy for Waste, Dumpster, and Hauling Operations
Need financing for a roll-off truck or dumpster-hauling vehicle? TopMark Funding® offers fast approvals, flexible terms, and no hard credit inquiries — helping waste companies, dumpster rental businesses, roll-off haulers, and demolition contractors secure the equipment they need to grow. Whether you’re buying new or used, from a dealership or private seller, we offer roll-off truck loans, leases, and equipment finance agreements built for your business.
$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 Roll-Off Trucks
Roll-Off Truck Financing Programs Built for Waste, Recycling & Hauling Businesses
Roll-off trucks are essential for waste management companies, dumpster rental services, recycling operations, demolition contractors, and debris-hauling businesses. At TopMark Funding®, we specialize in roll-off truck financing designed specifically for industries that rely on heavy-duty waste equipment. Whether you need a hook-lift roll-off, cable hoist roll-off, container delivery truck, or a multi-bin hauling setup, we structure financing solutions that match your cash flow and operational demands.
We offer roll-off truck loans, leases, and Equipment Finance Agreements (EFAs) for start-ups, growing fleets, and established companies. With competitive terms, flexible payment options, and no hard credit inquiries, we make it simple to finance a new or used roll-off truck from any dealer, auction, or private seller. Get the equipment you need to expand your fleet, improve route efficiency, and take on more hauling jobs with confidence.
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 vocational truck 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 can finance any make or model of roll-off truck, including hook-lift, cable-hoist, dumpster delivery trucks, and container-hauling units.
Trusted By Business Owners Like You
Real Customers. Real Growth. Real Reviews.
At TopMark Funding your satisfaction is our top priority. With decades of vocational truck financing experience, we know how important it is to deliver a great customer experience. Check out our reviews from our amazing customers.
Types of Roll-Off Truck Financing Options
Flexible Programs Built Around Your Business Needs
Choosing the right roll-off truck financing program can significantly impact your monthly payments, cash flow, and long-term profitability. TopMark Funding® offers flexible roll-off truck loans, roll-off leases, and lease-to-own options for all configurations — including hook-lift roll-offs, cable-hoist roll-offs, dumpster delivery trucks, and multi-container hauling units. Whether you’re a dumpster rental business, a waste hauling company, or a growing debris-removal fleet, we tailor financing solutions to match your equipment needs and support your business goals.
Equipment Finance Agreement (EFA)
Own Your Roll-Off Truck with Fixed Monthly Payments
An Equipment Finance Agreement (EFA) provides the ownership benefits of a traditional loan with the straightforward structure of fixed monthly payments. Once the final payment is made, the roll-off truck is yours — with no large end-of-term buyout.
EFAs are ideal for dumpster rental businesses, waste management companies, recycling operations, and debris-hauling fleets that want predictable costs, simple terms, and potential tax advantages like interest and depreciation deductions. With fast approvals and no hard credit inquiries, TopMark Funding® makes long-term roll-off truck ownership easy.
Own your roll-off truck with confidence — get pre-approved in minutes.
Flexible Roll-Off Truck Leasing Options
Keep Upfront Costs Low and Your Fleet Running Strong
Leasing a roll-off truck allows businesses to reduce upfront costs and maintain predictable monthly payments. Leasing is ideal for companies that want newer trucks, prefer shorter terms, or plan to upgrade equipment regularly without long-term ownership commitments.
TopMark Funding® offers flexible leasing structures — including FMV leases and TRAC leases — designed for hook-lift roll-offs, cable-hoist units, dumpster delivery trucks, and multi-container haulers. Leasing helps preserve cash flow, improve operational efficiency, and keep your waste or hauling fleet modern and reliable.
Low upfront costs, flexible terms, and fast approvals — start your lease today.
New & Used Roll-Off Truck Loans
Build Equity in Your Roll-Off Truck with Every Payment
A roll-off truck loan is the best choice for businesses that want to own their equipment outright once payments are complete. With fixed monthly payments and flexible terms, TopMark Funding® makes it simple to finance a new or used roll-off truck from any dealership, auction, or private seller.
Loans help you build equity over time and may offer tax benefits through depreciation and interest deductions. We assist dumpster rental fleets, waste companies, demolition contractors, and recycling operations in securing competitive rates and securing fast approvals — so you can expand your fleet without slowing down your business.
Take control of your fleet’s growth — get pre-approved for a roll-off truck loan today.
Our Simple 4-Step Roll-Off 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
Real Reviews from Roll-Off Truck Operators, Waste Haulers, and Growing Fleet Owners
At TopMark Funding®, we prioritize your success. With years of expertise financing roll-off trucks and waste-hauling fleets, we deliver a smooth, reliable experience from start to finish. See why customers trust us.
Roll-Off Truck Financing Frequently Asked Questions
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How does roll-off truck financing work?
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What credit score do I need to finance a roll-off truck
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Can I finance a used roll-off truck?
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How much down payment is required for a roll-off truck?
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Can startups get approved for roll-off truck financing?
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How fast can I get approved for a roll-off truck loan or lease?
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Do you finance roll-off trucks purchased from private sellers?
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What types of roll-off trucks can I finance?
Roll-Off Truck Financing Glossary of Common Terms
Understanding the terminology used in roll-off truck financing can help you make smarter decisions when buying or leasing hook-lift, cable-hoist, and dumpster-hauling trucks. Whether you run a small waste-hauling business, a junk removal company, a recycling operation, or a growing roll-off fleet, this glossary covers the most common terms you’ll encounter during the loan or lease process. Use this quick reference guide to navigate financing programs with confidence and choose the best solution for your roll-off and waste-transport needs.
Roll-Off Truck
A heavy-duty truck designed to load, haul, and unload large waste containers using a hook-lift or cable-hoist system.
Hook-Lift Roll-Off
A roll-off truck that uses a hydraulic hook arm to pick up and set down dumpsters or containers.
Cable-Hoist Roll-Off
A roll-off truck that uses a winch-and-cable system to pull containers onto the truck bed.
Dumpster Container
The removable bin transported by a roll-off truck, commonly used for waste, debris, and demolition materials.
Container Delivery Truck
A roll-off-style truck used to deliver empty dumpsters and pick up full ones for waste-hauling operations.
Hauling Capacity
The maximum weight or volume a roll-off truck can safely transport based on its chassis and hoist system.
GVWR (Gross Vehicle Weight Rating)
The total allowable weight of the truck, including the truck itself, fuel, driver, and loaded container.
EFA (Equipment Finance Agreement)
A financing contract with fixed monthly payments that leads to ownership of the roll-off truck after the final payment.
FMV Lease (Fair Market Value Lease)
A lease structure with lower monthly payments where the truck can be returned or purchased at fair market value at the end of the term.
TRAC Lease (Terminal Rental Adjustment Clause)
A commercial truck lease with preset residual values, offering flexible mileage and tax advantages for fleets.
Down Payment
The upfront amount required when financing a roll-off truck; varies by credit profile, truck age, and lender program.
Soft Credit Pull
A credit inquiry used for pre-qualification that does not impact your personal or business credit score.
Usage Restrictions
Limitations set by certain leases, typically related to mileage, wear-and-tear, or operational use.
Private-Party Purchase
Buying a roll-off truck from an individual seller rather than a dealership; allowed under many loan and lease programs.
Dealer Purchase
Buying from a commercial truck dealership, usually with access to condition reports and maintenance history required for financing.
Equity
The portion of the roll-off truck you own as you pay down the principal balance.
Get the Equipment Financing You Need – Fast, Simple, and Hassle-Free
At TopMark Funding®, we make it easy for owner-operators, fleets, and 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.