Roll-off trucks are the entry point into the container and dumpster business. The truck is only half the operation, since the containers are the other half, so it is worth having your own plan for where the boxes are coming from. We finance the truck, and containers are handled separately.
Reviewed by Hard Money Truck Loans Team | Updated October 11, 2026
Every application is reviewed on its own facts. Credit is reviewed, but it is not the deciding factor. Low scores, collections, charge-offs and late payments are workable. No bankruptcy or repossession within the last 5 years.
The lender reviews the specific truck as part of the transaction, including year, make and model, mileage, truck type and specifications. On a roll-off truck the hoist system, cable or hook lift, is part of those specifications.
We finance the truck itself. Container inventory is a separate cost you should plan for outside the loan.
The purchase price must be $21,000 to $145,000 and the truck must be purchased from a licensed dealer. There is no minimum credit score, an established business is 30% down, and a startup is 40% down with 2 years of industry experience.
Roll-off operators carry real cash flow risk: commercial customers pay late, and the truck payment is still due. Our recent 2021 Peterbilt 567 roll-off deal was funded for an owner whose customers delayed payments and pushed his personal credit behind. His score was 509.
There is no minimum credit score. Collections, charge-offs and late payments are workable. Bankruptcy or repossession in the last 5 years disqualifies the file.
We specialize in credit challenged commercial truck and trailer buyers, including many borrowers with scores around 500. Credit is reviewed, but it is not the deciding factor. Low scores, collections, charge-offs and late payments are workable.
Example based on 20 working days at 3 container swaps per day averaging $450 per haul. Expenses include fuel, landfill and dump fees, insurance, maintenance and tires. The truck payment is not included because your payment depends on the price, term and rate quoted to you.
Money left on the table before any truck payment, while you keep applying and hearing no.
We will be straight with you. Because we lend to credit challenged buyers, you put more money down than a bank would ask for and you pay a higher rate than a bank would charge. That is the honest cost of getting approved when the bank already said no.
The difference is that a bank decline earns you nothing. A roll-off truck that is working earns money every month. Used wisely, that income covers the payment, pays down the collections on your credit and builds the track record that gets you better terms on your next truck.
Keep the roll-off truck earning. Revenue is what makes everything else possible.
Make every truck payment on time. That history is proof you perform.
Use part of your profit each month to pay or settle collections, oldest and smallest first.
With collections handled and a clean payment record, you are in a better spot for your next truck.
A small dumpster rental owner has been paying a hauler to move his containers. Slow paying customers put three accounts into collections and his score near 510. He finds a roll-off truck at a licensed dealer for $139,000.
At 30% down he brings $41,700 and finances $97,300. He stops paying a third party hauler and keeps the haul revenue himself, then uses that margin to bring his past due accounts current.
This shows how the numbers can work. It is not a specific customer.
These are real loans funded for our customers, credit problems and all.
$139,000 purchase price, $41,700 down (30%)
3 collections totaling $16,850. Several commercial customers delayed payments, creating cash flow problems that caused him to fall behind on personal credit obligations.
All applications are subject to review and approval.
See All Recent LoansThe program covers purchase prices from $21,000 to $145,000. Our recent roll-off loan was a $139,000 2021 Peterbilt 567 with $41,700 down.
The program finances the truck purchased from a licensed dealer. Ask us about containers when you send your scenario.
Banks lend to borrowers with clean credit and decline everyone else. We lend to credit challenged buyers, so the risk is higher and the terms reflect it: 30% down for an established business, 40% down plus 2 years of industry experience for a startup, and a rate higher than a bank would charge. The tradeoff is that you get the roll-off truck working and earning instead of waiting on a yes that may never come.
No bankruptcy or repossession within the last 5 years. The roll-off truck must also be purchased from a licensed dealer and the purchase price must fall between $21,000 and $145,000.
It can, if you use it that way. The income from the roll-off truck can be used to pay or settle collections and keep your personal accounts current, and a clean payment history on your truck loan shows the next lender you perform. Results depend on your own habits and are not guaranteed.
Same day approvals may be available. Funding can occur in as little as 3 days. Timing depends on how quickly the dealer and you provide what is needed.
Reviewed by the Hard Money Truck Loans Team. Last updated October 11, 2026.
Program terms on this page come from our current lending program. Recent loan examples are real funded deals. Read our Privacy Policy and Terms of Service.
Send us the truck you found at the dealer and we will tell you where you stand. No obligation.
Banks won’t touch you, but guess who will!?
