Financing
Vacuum Truck Financing
vacuum truck financing can help you get the right equipment working now without draining your cash reserves. Whether you are buying an in-stock unit or planning a custom build, financing can preserve capital for payroll, marketing, fuel, and route growth while you put the truck to work generating revenue.
Apply Now Through Our Financing Partners
Choose an option below to start your application. If you are not sure which one fits your situation, apply with the partner you prefer and our team can help you align the quote details to the financing path.
If you would rather talk first, call (866) 789-9440 or use Get a Quote and note that you want financing options included.
Why Buy a Vacuum Truck on Credit?
Business advantages
- Preserve working capital so you can keep cash available for growth
- Predictable monthly payments that match real-world cash flow
- Start earning sooner by getting equipment in service fast
- Access better equipment for the routes and jobs you actually run
Planning advantages
- Budget clarity when comparing in-stock vs custom configurations
- Potential tax benefits depending on your situation, ask your tax advisor
- Build business credit with consistent payment history
- Finance full packages including chassis, pumps, tanks, and accessories
What You Can Finance
Most buyers finance the complete working package, not just the base truck. If you need it to operate on day one, include it in your request.
Common items included
- Truck or chassis plus tank package
- Pumps, valves, hoses, and fittings
- Tooling, accessories, and upgrades
- Slide-in units and trailer setups
Helpful link
If you are comparing truck classes and weight ratings for planning purposes, review general GVWR and CDL guidance from FMCSA: FMCSA.
Flexible Financing Options for Your Business Needs
Every operation has different cash flow patterns. Some teams need the lowest payment, some need the fastest approval, and some want the best long-term total cost. We can support each path depending on your goals.
Traditional financing
Best for buyers who want ownership after payoff and prefer straightforward terms.
Usually best when
- You want long-term ownership
- You plan to keep the truck for years
- You want stable payment planning
Leasing options
Often lower payments with end-of-term options depending on the program.
Usually best when
- You want flexibility to upgrade later
- You want lower monthly cost
- You want to preserve more cash up front
Mixed approach
Finance the truck and handle smaller upgrades separately depending on timing.
Usually best when
- You are phasing upgrades over time
- You are buying inventory now and customizing later
- You want a faster initial start date
Get Approved Faster
These items help reduce back-and-forth and speed up approvals. If you do not have everything, submit what you can and your lender can guide the rest.
Pre-application checklist
- Business legal name and address
- Time in business and ownership details
- Estimated budget and target payment range
- Preferred equipment type and timeline
If you are financing inventory
- Include the listing link from current inventory
- Note any must-have options and delivery needs
Downtime costs money
Many buyers finance upgrades because keeping equipment reliable through peak season matters more than delaying a purchase. If you are replacing aging equipment, tell us what issues you are trying to eliminate so we can quote the right setup.
What Can Be Financed?
Financing is available across our most common build categories and equipment types.
FAQ
Frequently Asked Questions
What credit score do I need to qualify for financing?
Stronger credit profiles typically qualify for better terms, but options exist for a wide range of credit situations. If you are unsure, apply and the lender can advise the best next step.
How long does the approval process take?
Many applications receive an initial response within 24 to 48 hours. Some situations require additional verification, especially for complex custom builds.
Can I finance additional equipment or accessories with my truck?
Yes. Many programs can cover the full package including the chassis, tank, pumps, hoses, and accessories needed to operate on day one.
How does leasing differ from financing?
Leasing can offer lower payments with options at the end of the term depending on the program. Financing typically leads to ownership once the loan is paid off. We can help you decide based on your goals.
Take the Next Step
Do not let capital constraints slow your business down. Choose a financing option above, then review available inventory or request a quote for a custom configuration.