Simple Credit Guidelines for Dump Truck Financing
New or used dump truck financing & leasing—built to preserve cash, improve liquidity, and capture tax benefits with predictable, low fixed payments.
Why Liberty Capital Group?
- Free pre-approval and no application fee
- Programs for new or used units
- Leasing & financing to fit tax and cash-flow goals
- We work with dealers and private-party sellers
Does It Make Sense to Finance or Lease?
- $1 Buyout Lease: Functions like financing with token purchase at end—ownership is the goal.
- FMV (Fair Market Value) Lease: Lower payment; return, upgrade, or buy at FMV at term end.
- TRAC Lease: For titled vehicles; pre-agreed residual with option to purchase—popular “lease-to-own.”
- Equipment Finance Agreement (EFA): You own day one; lender holds lien.
Financing spreads cost, protects cash flow, supports upgrades, and can align with off-balance-sheet or tax strategies—verify details with your CPA.
Why Ownership Still Matters
- Build equity and asset value—capture upside on sale
- Lower monthly payments vs renting long-term
- Potentially favorable tax treatment with true leases
- Plan refresh cycles without draining cash
What Do I Need to Apply?
- Online Application: Submit, upload, and authorize processing. Soft inquiry first; hard inquiry may occur at final approval.
- Equipment Invoice/Quote: Multiple vendors accepted. We can bundle to one monthly payment. Private bill-of-sale considered.
- Bank Statements (3–4 months): Verify income/banking; confirm down payment if needed and set ACH autopay.
Startup Notes — Read This First
- Down Payment: Startups need “skin in the game.” Size may increase with lower credit scores.
- Security Deposit: Common for sub-prime or new businesses.
- First & Last Payment: Often due at signing.
- LOCs for Startups: Rare and smaller limits if available.
- Admin Fees & Buyouts: FMV/True/Capital leases may include admin and an end-of-term buyout (e.g., $1, stated residual).
Credit Minimum Requirements (Guidelines)
- Online application + Driver License and Business License/Active Entity
- Personal guarantees from all owners
- Target 650+ credit score
- No bankruptcies in the last 7 years; no unresolved tax liens
- No application fees
Compare Loan Types for a Dump Truck Purchase
| Feature | Business Loan | Merchant Cash Advance | Equipment Financing |
|---|---|---|---|
| Ownership | No (working capital) | No | Yes (title/lien) |
| Origination / Admin / Titling Fees | Low | Low–Moderate | Varies (includes titling) |
| Payment Frequency | Monthly / Weekly | Daily / Weekly | Monthly |
| Credit Minimum (typical) | ~600+ | ~500+ | ~650+ |
| Funds Disbursement | To Client | To Client | To Vendor |
| New/Used Equipment Eligible | n/a | n/a | Yes |
| Maximum Term | Up to ~24 mo | Up to ~12 mo | Up to ~60 mo |
| Time in Business | 2+ years | 6+ months | Startup OK (case-by-case) |
| Rates / Cost | Moderate | High | Low (asset-secured) |
| Application-Only Max | ~$150k | ~$250k | ~$250k |
| Typical Funding Time | Same Day | Same Day | 1–5 Days |
Guidelines vary by lender, credit, asset, and market. We’ll size terms to your route, loads, and seasonality.
Become a Preferred Equipment Finance Vendor
Dump truck dealers move more iron with an easy, transparent credit playbook. We support new and used sales and fund nationwide truckers & construction firms.
- Clear credit guidelines for quick pre-approvals
- Strong partner to close large-ticket items
- Soft inquiry to start; simple application
Dump Trucks We Finance/Lease
- Standard Dump
- Transfer Dump
- Side Dump
- End Dump
- Bottom Dump
- Superdump
- Double Bottom Dump
- Semi-Trailer End
- Semi-Trailer Bottom
- Semi-Trailer Side
- Off-Highway
- Articulated
- Rigid
- Hi-Rail
- Roll-Off
Top Reasons to Work with Liberty Capital
- $99 for first 6 months (nominal start-up fee) — where available
- 90-Day Deferral on select programs
- Seasonal payment plans
- “0% for 24 Months” with 20% buyout (promo equipment; OAC)
- Stepped-down leases matching depreciation
- Fast online approvals to $150k (app-only)
- Stabilize off-season cash flow
- $0 down options for landscaping equipment (select programs)
- Terms up to 72 months on qualifying trucks & trailers
- Down payments 5%–40% for challenged credit
- Leverage lender funds to capture opportunities
Programs subject to change; eligibility and terms depend on credit, asset, and lender guidelines.
Call (888) 511-6223 — Get Approved for New or Used Dump Trucks
Simple application. No application fee. Dealer or private-party purchases supported.
Ready to compare $1 Buyout vs FMV vs TRAC vs EFA? We’ll map payments to your routes and seasons.
Compare Different Types of Loans Available for Dump Truck Purchase
Feature | Business Loans | Merchant Cash Advance | Equipment Financing |
Ownership | 50% | 50% | 100% |
Origination, Admin Titling Fees | Low | Low to moderate | Varies |
Monthly Payments | Monthly, Daily, Weekly | Daily / Weekly | Monthly |
Credit Minimum: | 600 | 500 | 650 |
Fund Disbursements | Client | Client | Vendor |
New/Used Equipment | n/a | n/a | Yes |
Maximum Term | 24 months | 12 months | 60 months |
Time in Business | 2+ years | 6 months | Startup Ok |
Interest Rates | Moderate | High | Low |
Application Only | $150K | $250K | S250K |
Funding Time | Same Day Funding | Same Day Funding | 1- 5 days |
How to Become a Preferred Equipment Finance Vendor
DIf you’re a dump truck dealer, you want the best leasing company, the best broker or the best direct lender, but not all have the same expertise when it comes for financing new or used Dump Trucks. Vendors who offer our Vendor Financing and Leasing, usually find it very helpful when selling large ticket items like dump trucks, trailers and construction equipment.
As a dealer having an easy to understand CREDIT GUIDELINES will help you get your client pre-approved quickly and easily.
Get a reliable funding partner to make your vendor financing strong DOWNLOAD our EQUIPMENT VENDOR FINANCING
If you would like Liberty Capital to provide financing for your new or used dump truck buyers, let us get you approved today as vendor. Dump Truck vendors in your who offers Dump Truck Equipment are likely to have higher sales and happy salespeople. We fund nationwide truckers and construction companies.
Dump Trucks we can lease or financed
Standard Dump Truck
- Transfer Dump Truck
- Side Dump Truck
- End Dump Truck
- Bottom Dump Truck
- Superdump Truck
- Double Bottom Dump Truck
- Semi-Trailer End Dump Truck
- Semi-Trailer Bottom Dump Truck
- Semi-Trailer Side Dump Truck
- Off-Highway Dump Truck
- Articulated Dump Truck
- Rigid Dump Truck
- Hi-Rail Dump Truck
- Roll-Off Dump Truck
