Wrecker Truck Financing – Loans & Lease Programs for Towing & Recovery Businesses
Need wrecker truck financing? Get approved fast with TopMark Funding®, the #1 rated lender for towing and recovery businesses nationwide. We offer wrecker truck loans, wrecker leases, and EFA programs with competitive terms, flexible payments, and no hard credit inquiries. Finance new or used wreckers from any dealer, auction, or private seller — and keep your towing operation running strong.
$700 MM +
Equipment Funded By TopMark Funding
100 +
Expert Team Members Ready to Help
11.5K +
Businesses Funded & Growing!
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Funding Programs to Meet Your Needs
Fast Funding and Flexible Terms for New and Used Wreckers
Wrecker Loans and Leasing Options for Tow Operators and Recovery Fleets
Financing a wrecker truck is crucial for any towing or roadside recovery business looking to expand its fleet, replace aging units, or upgrade to more capable towing equipment. At TopMark Funding®, we specialize in wrecker truck financing, offering wrecker loans, wrecker truck leases, and lease-to-own programs tailored to the needs of towing companies, recovery fleets, and transportation businesses.
TopMark Funding® works with all major tow-truck brands, including Miller Industries (Century, Chevron, Holmes, Vulcan), Jerr-Dan, NRC Industries, Dynamic, and many others. You can finance new or used wreckers from any dealership, auction, or private seller — with fast approvals, flexible structures, and funding up to $250,000 on an app-only program.
We finance all wrecker types, including:
- Light-duty wreckers (ideal for passenger vehicles)
- Medium-duty wreckers (perfect for service trucks and local recovery)
- Heavy-duty wreckers (engineered for semis, buses, and commercial vehicles)
- Integrated wreckers (boom + wheel-lift combo for high-capacity recovery)
- Rotator wreckers (specialized 360° rotating recovery units)
- Wheel-lift wreckers
- Boom wreckers
Whether you specialize in:
- Towing & roadside assistance
- Police rotation towing
- Accident recovery
- Private property impounds
- Commercial fleet support
- Heavy-duty truck recovery
- Municipal towing
…we can match you with financing designed to maximize cash flow and keep your operation moving.
Our wrecker financing programs offer fixed monthly payments, flexible terms, and options for startups, fleets, and established towing companies. Whether you want lower upfront costs through leasing or full ownership through loans or EFAs, we tailor solutions to fit your cash flow and equipment needs. With competitive terms and a fast approval process, TopMark Funding® makes it easy to upgrade your wreckers and stay competitive in the towing and recovery industry.
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 wrecker truck, light-duty, medium-duty, heavy-duty, integrated, wheel-lift, and rotator wreckers.
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 Wrecker Financing Options
Flexible Programs Built Around Your Business Needs
Choosing the right wrecker truck financing program can significantly affect your monthly payments, cash flow, and long-term profitability. TopMark Funding® offers flexible wrecker loans, wrecker leases, and lease-to-own options for all types of wreckers, including light-duty, medium-duty, heavy-duty, integrated, wheel-lift, and rotator wreckers. Whether you’re an independent tow operator or a growing recovery fleet, we tailor financing solutions to support your equipment needs and business goals.
Equipment Finance Agreement (EFA)
Own Your Wrecker with Fixed Monthly Payments You Can Afford
An Equipment Finance Agreement (EFA) gives you the benefits of ownership with simple, fixed monthly payments. Once the final payment is made, the wrecker truck is yours with no large end-of-term buyout.
EFAs are ideal for towing companies and recovery fleets that want predictable costs, straightforward terms, and potential tax advantages such as interest and depreciation deductions. With fast approvals and no hard credit inquiries, TopMark Funding® makes long-term wrecker ownership easy.
Get pre-approved in minutes and put your new or used wrecker truck to work fast.
Wrecker Leasing Made Easy
Flexible Wrecker Leasing Options for Tow Operators and Recovery Fleets
Leasing a wrecker truck is a smart way to keep upfront costs low while maintaining predictable monthly payments. It’s ideal for towing companies that want newer equipment, need flexibility, or prefer upgrading their wreckers every few years without long-term ownership commitments.
TopMark Funding® offers FMV leases, TRAC leases, and flexible terms for light-duty, medium-duty, and heavy-duty wrecker trucks. Our leasing programs help you preserve cash flow, expand service capacity, and keep your recovery fleet modern and reliable.
Get pre-approved today and lease your next wrecker truck with confidence.
New & Used Wrecker Loans
Wrecker Loans with Fast Approvals, Flexible Terms, and Competitive Rates
A wrecker truck loan is the best choice if you want full ownership once your payments are complete. With fixed monthly payments and flexible terms, TopMark Funding® makes it simple to finance new or used wreckers from any dealership, auction, or private seller.
You’ll build equity over time and may qualify for tax advantages on depreciation and interest. We help towing companies, roadside recovery fleets, and transport operators secure competitive rates and fast approvals so you can expand your fleet quickly and stay operational around the clock.
Get pre-approved for a wrecker truck loan today and start building long-term equity in the equipment your business depends on.
Our Simple 4-Step Wrecker 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 wrecker 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 Truckers, Contractors, and Fleet Owners Just Like You
At TopMark Funding®, your satisfaction is our top priority. With decades of experience in commercial trucking and construction equipment financing, we understand how important it is to deliver a smooth, reliable customer experience. See what our customers have to say.
Wrecker Truck Financing FAQ
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How does wrecker truck financing work?
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What credit score do I need to finance a wrecker truck?
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Can startups or new towing businesses get approved?
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What types of wrecker trucks can you finance?
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What are typical monthly payments for a wrecker truck?
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Should I lease or buy a wrecker truck?
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Can I finance a used wrecker truck?
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Do you offer financing for fleet expansions?
Wrecker Financing Glossary of Common Terms
Understanding the terminology used in wrecker and tow truck financing can help you make smarter decisions when buying or leasing a rollback, integrated wrecker, wheel-lift truck, or heavy-duty recovery unit. Whether you operate a small towing company, a roadside assistance fleet, a repossession business, or a large recovery operation expanding its equipment lineup, this glossary explains the most common terms you’ll encounter in the wrecker loan and lease process. Use this quick reference guide to navigate financing programs confidently and choose the best solution for your towing, recovery, and commercial vehicle transport needs.
Boom Wrecker
A tow truck equipped with an adjustable boom used to recover vehicles from ditches, embankments, or tight recovery areas.
Wheel-Lift Wrecker
A tow truck that lifts a vehicle by its front or rear wheels using a hydraulic metal yoke, commonly used for light-duty towing and repossessions.
Integrated Wrecker
A heavy-duty tow truck with an integrated boom and wheel-lift system designed for recovering large vehicles like buses, box trucks, and semis.
Recovery Truck
Another term for a wrecker used to lift, tow, or recover disabled, damaged, or illegally parked vehicles.
Towing Capacity
The maximum weight a wrecker can safely tow or recover, based on GVWR, hydraulic power, and equipment configuration.
Winch System
A hydraulically powered cable-and-drum mechanism used to pull vehicles onto a flatbed or recover them from difficult positions.
GVWR (Gross Vehicle Weight Rating)
The maximum allowable weight of the tow truck plus cargo, passengers, and equipment — an important rating for wrecker financing and compliance.
Light-Duty Wrecker
Tow trucks designed for cars, SUVs, and light pickup trucks. Commonly used by roadside assistance companies and small towing operations.
Medium-Duty Wrecker
Recovery units designed for towing box trucks, small buses, work vans, and commercial vehicles.
Heavy-Duty Wrecker
Large recovery trucks used for towing semi-trucks, tractor-trailers, motor coaches, and heavy commercial vehicles.
Tow Boom
The hydraulic lifting arm on a wrecker used for lifting or recovering disabled vehicles.
Underlift
A lifting mechanism that extends under a vehicle’s axle or frame for safe towing of heavier trucks.
Rollback Truck (Carrier)
A tow truck with a tilting flatbed that allows vehicles to be winched and transported while fully off the ground. (Useful for cross-referencing if you have a separate page.)
EFA (Equipment Finance Agreement)
A financing contract with fixed monthly payments where you own the wrecker after the final payment.
FMV Lease (Fair Market Value Lease)
A lease structure where you can return, upgrade, or purchase the wrecker at its fair market value at the end of the term.
TRAC Lease
A lease designed for commercial vehicles that provides mileage and tax flexibility for towing businesses.
Soft Credit Pull
A credit check used for pre-approvals that does not affect your credit score.
Lease Buyout
The option to purchase your wrecker at the end of a lease term.
Zero-Down Financing
Programs that allow qualified buyers to acquire a wrecker without an upfront payment.
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.