Tow Truck Financing for Towing, Recovery, and Wrecker Fleets – No Hard Inquiries
TopMark Funding® provides flexible tow truck financing solutions for owner-operators, towing companies, and recovery fleets nationwide. Whether you’re purchasing a new or used tow truck, expanding your fleet, or upgrading equipment, we offer loan and leasing options designed to fit your cash flow and business goals.
$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 Tow Trucks
Competitive Rates & Flexible Terms for Towing, Recovery, and Wrecker Fleets
TopMark Funding® offers tow truck financing programs designed specifically for the demands of towing, recovery, roadside assistance, and wrecker operations. Whether you’re an owner-operator adding your first truck or a growing fleet expanding coverage, our flexible financing options are structured to support your cash flow and long-term business goals.
We provide tow truck loans, tow truck leases, and Equipment Finance Agreements (EFAs) for new and used equipment, with terms based on your overall credit profile, time in business, and the type of tow truck you’re purchasing. Financing is available for flatbed tow trucks, wheel-lift trucks, integrated wreckers, heavy-duty wreckers, and rotator tow trucks, sourced from dealerships, auctions, or private sellers nationwide.
Our programs are built for towing companies, recovery fleets, repossession operators, and roadside service providers that need dependable equipment without unnecessary delays. With fast pre-approvals, competitive terms, and no hard credit inquiries during the initial review, we make it easier to secure the right tow truck and keep your operation moving.
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 all types of tow trucks, from flatbeds and wheel-lifts to heavy-duty wreckers and rotators.
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 Tow Truck Financing Options
Flexible Programs Built Around Your Business Needs
Choosing the right tow truck financing program can have a major impact on your monthly payments, cash flow, and long-term profitability. TopMark Funding® offers flexible tow truck loans, tow truck leases, and lease-to-own options for all configurations, including flatbed tow trucks, wheel-lift trucks, integrated wreckers, heavy-duty wreckers, and rotator units.
Whether you’re an owner-operator, towing company, recovery fleet, roadside assistance provider, or repossession operator, we tailor financing solutions to match your equipment needs and support your business goals.
Equipment Finance Agreement (EFA)
Own Your Tow Truck with Fixed Monthly Payments You Can Afford
An Equipment Finance Agreement (EFA) lets you own your tow truck with fixed monthly payments and no large end-of-term buyout.
EFAs are ideal for towing companies, recovery fleets, roadside assistance providers, repossession operators, and owner-operators that want predictable costs and potential tax advantages. With fast approvals and no hard credit inquiry, TopMark Funding® makes long-term tow truck ownership simple and efficient.
Get pre-approved in minutes and put your tow truck to work fast.
Flexible Tow Truck Leasing Options
Flexible Tow Truck Leasing for Towing and Recovery Businesses
Leasing a tow truck is a smart way to keep upfront costs low while maintaining predictable monthly payments. It’s ideal for towing companies, recovery fleets, roadside assistance providers, repossession operators, and owner-operators that want newer equipment without long-term ownership commitments.
TopMark Funding® offers 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 today and lease your next tow truck with confidence.
New & Used Tow Truck Loans
Build Equity in Your Tow Truck with Every Payment
A tow truck loan is the best option for 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 tow trucks from dealerships, auctions, or private sellers nationwide.
Loans help you build equity over time and may offer tax advantages through depreciation and interest deductions. We work with towing companies, recovery fleets, roadside assistance providers, repossession operators, and owner-operators to secure competitive rates and fast approvals—so you can expand your fleet without slowing down operations.
Take control of your fleet’s growth—get pre-approved for a tow truck loan today.
Our Simple 4-Step Tow 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 Towing Companies and Recovery 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.
Tow Truck Financing Frequently Asked Questions
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What credit score do I need to finance a tow truck?
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Can I finance a used tow truck?
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What types of tow trucks can be financed?
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What financing options are available for tow trucks?
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How long does tow truck financing approval take?
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Can startups or first-time towing businesses get financing?
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Will applying for tow truck financing affect my credit?
Bucket Truck Financing Glossary of Common Terms
Understanding the terminology used in tow truck financing can help you make smarter, more confident decisions when buying or leasing towing and recovery equipment. Whether you operate a towing company, recovery fleet, roadside assistance business, repossession service, or owner-operator operation, this glossary explains the most common terms you’ll encounter when financing flatbed tow trucks, wheel-lift trucks, integrated wreckers, heavy-duty wreckers, and rotator units. Use this quick reference to better understand financing options, approval considerations, and equipment structures so you can choose the best solution for your towing business.
Tow Truck
A commercial vehicle designed to transport disabled, improperly parked, or damaged vehicles for towing, recovery, or roadside assistance operations.
Flatbed Tow Truck
A tow truck with a flat platform that tilts or slides to load vehicles, commonly used for safe vehicle transport and accident recovery.
Wheel-Lift Tow Truck
A tow truck that lifts a vehicle by its wheels using a metal yoke, typically used for short-distance tows and roadside service.
Integrated Wrecker
A heavy-duty tow truck built with towing equipment integrated into the chassis, designed for large vehicles and recovery operations.
Heavy-Duty Wrecker
A tow truck used to recover large vehicles such as buses, semi-trucks, and heavy equipment, often equipped with powerful winches and booms.
Commercial Truck Financing
Financing solutions designed for business-use trucks, including tow trucks, wreckers, and recovery vehicles.
Tow Truck Loan
A financing option where the borrower owns the tow truck outright after completing fixed monthly payments.
Tow Truck Lease
A financing structure that allows use of a tow truck for a set term, often with end-of-term purchase or return options depending on lease type.
Equipment Finance Agreement (EFA)
A financing agreement that functions like a loan, offering fixed payments and ownership of the tow truck at the end of the term.
FMV Lease (Fair Market Value Lease)
A lease option allowing the tow truck to be purchased at its market value at the end of the lease term.
TRAC Lease (Terminal Rental Adjustment Clause)
A commercial vehicle lease offering flexible end-of-term options and potential tax advantages for towing and recovery fleets.
Down Payment
The upfront amount paid when financing a tow truck, based on credit profile, equipment type, and program structure.
Soft Credit Inquiry
A credit check used during pre-approval that does not impact personal or business credit scores.
Owner-Operator
An individual who owns and operates their own tow truck or small towing business.
Fleet Financing
Financing programs designed for towing companies purchasing or leasing multiple tow trucks under one credit profile.
Recovery Fleet
A business operating multiple tow trucks for towing, roadside assistance, accident recovery, or repossession services.
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.