Dump Truck Financing

Faster, easier small business financing with one simple application—no bank needed.

Applying is free and won’t impact your credit.

Hear from our customers.

Lendio knows dump truck financing.

Dump truck financing can be pivotal when creating or expanding a dump truck business. With equipment financing, you can upgrade to a newer model or expand your fleet. Lendio can match you with the perfect financing for your company’s needs.

Minimum requirements for dump truck equipment financing.

If your business doesn’t match some of the qualifiers below, it may be more challenging to receive funding from our lending partners.


650 or higher




12 Months

Check Eligibility

Not qualified yet? We can help.

Lendio has the accounting software tools to get your start-up business ready for financing.

Easily track your company’s health and identify any capital shortcomings you may face.
Understand the financial health of your business with reports like profit and loss, balance sheet, tax summary, customer statements, and accounts receivable.
Create personalized invoices and allow your customers to pay by credit card with our free software.

How our loan matching process works.


Fill out our simple application.

Answer just a few questions about your business to see which lending products you qualify for. We’ve partnered with over 75 lenders, allowing us to find the best option or your business.


We’ll connect you with a funding specialist.

One of our funding specialists will reach out to you to get to know your business better. Since every business is unique, we want to make sure we find the loan type that’s perfect for your needs.


Compare loan offers.

Compare different offers curated for your business. Select the capital amount and rate that will help take your business to the next level.


Get funded.

We work with lenders that can fund you fast. Once you’re approved, you’ll be able to access your capital in as little as 24 hours.

Why Lendio?

Quick & easy

Apply in just 15 minutes and get funded in as little as 24 hours

Your partner in business financing

Get personalized support throughout the funding process. Your funding manager will be with you every step of the way to answer your questions and advocate for you.

Offers tailored to your business

Compare loan offers from multiple lenders. With over 75+ lenders in our network, your funding manager will work with you to ensure you get the best rates and terms for your business.

How to get dump truck financing.

Navigating the landscape of dump truck financing can seem daunting, but with the right knowledge and approach, you can secure the dump truck loan that best suits your business needs.

  1. Assess your financial situation: Before you begin the loan process, take stock of your current financial situation. This includes understanding your credit score, cash flow, and what kind of down payment you can afford.
  2. Research various lenders Not all financing options are created equal. Explore banks, credit unions, and specialized commercial vehicle lenders to see who can offer the best terms for your dump truck loan.
  3. Prepare a detailed business plan: Most lenders will want to see a comprehensive business plan. This should include details about your expected income, business expenses, and how you plan to repay your loan.
  4. Submit your application: After you’ve agreed on the terms, it’s time to submit your application. Make sure to have all necessary documentation ready to speed up the approval process.

How to compare dump truck loans.

Interest rates: Look at the interest rates offered by different lenders. A lower rate means you’ll pay less over the life of the loan. Remember, rates can be fixed or variable, so consider your ability to manage potential increases in the future.

Loan terms: Evaluate the duration of the loan. Shorter terms usually mean higher monthly payments, but less interest over time. Longer terms can make monthly payments more manageable, but the total cost of borrowing will be higher.

Down payment requirements: Check the down payment requirements. Higher down payments can reduce your loan amount and monthly payments, but they require more upfront capital.

Additional fees: Be aware of any additional fees, such as loan origination fees, late payment fees, or prepayment penalties.

Lender’s reputation: Research the lender’s reputation. Look for reviews and testimonials from other businesses. A reliable lender will have a solid track record and good customer service.

Equipment age and condition: Some lenders may have restrictions on the age or condition of the dump truck. Be sure to understand these limitations before applying.


Dump truck financing is a form of equipment financing used to purchase or lease a new dump truck. Monthly payments are required until the loan is paid off in full with interest. 


Requirements for equipment financing vary by lender. Minimum credit score requirements start at 500. Some equipment lenders will work with startups while others require at least one year in business. Some will also look for a minimum monthly revenue.


Equipment financing can be used only for the specified equipment designated in the funding agreement.

Dump truck financing operates similarly to other forms of equipment financing. Essentially, a lender provides you with the necessary funds to purchase the dump truck, which then serves as collateral for the loan. This means that if you default on your payments, the lender has the right to seize the dump truck to recoup their losses.

Interest rates and terms for dump truck financing can vary greatly depending on the lender, your credit score, the age and condition of the dump truck, and the overall financial health of your business.

Financing periods typically range from one to five years. It’s important to note that while some lenders may offer 100% financing, most will require a down payment. Therefore, it’s crucial to prepare accordingly and ensure your business can afford the monthly payments before committing to a dump truck loan.

Equipment leasing is a common way to finance a dump truck. The lessee pays a monthly rental fee over a fixed term. Depending on the structure of the lease, at the end of the term you either own the dump truck, have the option to purchase the dump truck, or in some cases return the equipment. A major benefit of equipment leasing is that the equipment itself serves as collateral for the loan, so you won’t need to put up any other business or personal assets as collateral.

By applying for equipment financing via an online marketplace, you connect with multiple funders with a single application allowing you to quickly find the best option for your business.

8 out of 10 Lendio employees* or their families own a small business.

*based on 136 Lendio employees who responded to an internal poll

Quickly compare financing options from multiple funders.

Applying is free and won’t impact your credit

Talk to a rep at (855) 853-6346
Mon-Fri 7:30am-5pm MST