Septic Truck Financing
Septic and vacuum trucks are bought by service businesses with recurring route work. The work is not seasonal the way construction hauling is, and the customer base repeats, which is part of why operators in this category buy their own truck instead of subcontracting the work out.
Septic Truck Financing At A Glance
- Typical purchase price
- $40,000 to $145,000
- Configurations financed
- Single and tandem axle vacuum chassis
- CDL required
- Usually yes, Class B or above
- Tank and pump equipment
- Included in the financed amount
- Purchase price financed
- $21,000 to $145,000
- Down payment
- Typically 30% of the purchase price
- Minimum credit score
- None
- Credit specialty
- Credit challenged buyers welcome, with no minimum credit score
- Where you can buy
- Licensed dealer purchases only
- Approval timing
- Same day approvals may be available
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.
Septic Trucks We Finance
- Vacuum tank trucks for septic pumping
- Portable restroom service trucks
- Grease trap and grease interceptor service units
- Combination and jetter equipped trucks
- Single axle and tandem axle vacuum chassis
- Used units from a licensed dealer inventory
What Operators Use Them For
- Residential and commercial septic pumping
- Portable toilet route service
- Restaurant grease trap service
- Municipal and industrial liquid waste hauling
- Drain and line jetting work
What Matters On A Septic Truck Deal
The lender reviews the specific truck as part of the transaction, including year, make and model, mileage, truck type and specifications. Tank capacity, pump and hose reel setup are part of the specifications on a vacuum truck.
The purchase price must be $21,000 to $145,000 and the truck must be purchased from a licensed dealer. An established business is typically 30% down and a startup is typically 40% down with 2 years of industry experience.
Licensing and disposal arrangements vary by state and are part of getting the operation running, not part of the loan. There is no minimum credit score.
Read Before You Apply
Ready To Finance Your Septic Truck?
Send us the truck you found at the dealer and we will tell you where you stand. No obligation.
Other Trucks We Finance
Banks won’t touch you, but guess who will!?