From dump trucks and cement mixers to water trucks and flatbeds, heavy-duty vehicles are the backbone of construction, mining, and industrial projects. But with price tags ranging from $75,000 to $300,000+, paying out of pocket isn’t always realistic. That’s where financing heavy-duty trucks and construction vehicles comes in—offering flexible funding to get your fleet rolling without crushing your cash flow.
Can I finance heavy-duty construction vehicles?
Yes, you can finance heavy-duty trucks and construction vehicles through commercial vehicle loans, equipment financing, or leasing programs.
Heavy-duty trucks are capital-intensive, but essential. Financing offers major advantages:
Preserves capital for payroll, fuel, and operating costs
Allows for immediate deployment of new vehicles
Offers tax benefits via depreciation or lease deductions
Helps build business credit for future expansion
Related: How Equipment Financing Can Boost Your Company’s Cash Flow
Most lenders support financing for both new and used equipment, including:
Dump trucks
Cement mixers
Water trucks
Heavy haul trucks
Lowboys and flatbeds
Tow trucks
Utility trucks
Vacuum and septic trucks
✅ You can also finance attachments, trailers, GPS systems, and upfitting costs.
Fixed terms (24–72 months)
Competitive interest rates
Title in your business name
Available for both new and used trucks
Lower upfront costs
Includes maintenance or replacement vehicles
Return, upgrade, or purchase at lease-end
Ideal for rapidly changing job specs or seasonal work
Up to $5 million in capital
Long repayment terms and low rates
Can be used to finance both trucks and equipment
Covers truck + trailer + accessories
Equipment serves as collateral
Easier approval than traditional loans
Good option for startups or lower-credit businesses
| Vehicle Type | Estimated Cost | Loan Term | Estimated Monthly Payment |
|---|---|---|---|
| Dump Truck | $130,000 | 60 months | ~$2,575/month |
| Cement Mixer | $180,000 | 72 months | ~$3,100/month |
| Heavy Haul Flatbed | $250,000 | 72 months | ~$4,290/month |
To secure financing, be prepared to provide:
Business license and EIN
Truck/invoice or dealer quote
Recent bank statements or tax returns
USDOT number (if applicable)
Personal credit score (usually 600+ minimum)
Startups can often qualify with a co-signer or larger down payment.
Related: Equipment Financing 101: Everything You Need to Know
Choose the right truck(s)
Get dealer quotes and select lender
Gather business and financial docs
Apply and get approved
Take delivery and start earning
Whether you’re moving dirt, pouring concrete, or hauling steel beams, your trucks are your lifeline. With flexible financing, you can grow your operation, win bigger jobs, and stay competitive without compromising cash flow.
Need to expand your fleet?
Explore financing plans now for dump trucks, mixers, and more—get pre-approved and hit the road with confidence.