Vocational Truck Financing
Bucket Trucks, Concrete Mixers, Vacuum Trucks & Specialty Vehicles
Vocational trucks, vehicles built for a specific job function, require lenders who understand the underlying equipment value beyond the chassis. EFN's network includes specialty lenders who regularly finance utility, municipal, and construction vocational equipment rather than treating every work truck the same as a standard semi.
Start a funding requestEquipment we cover in this category
- Aerial / Bucket Trucks
- Concrete Mixers & Transit Mixers
- Vacuum & Hydro-Excavation Trucks
- Street Sweepers
- Crane Trucks & Service Bodies
- Refuse & Recycling Trucks
- Fire Apparatus & Emergency Vehicles
- Utility / Line Trucks
Typical deal parameters
- Typical deal size
- $50,000 – $600,000
- Time in business
- 1+ year typical; utility contractor experience considered for startups
- Credit
- 620+ FICO typical; specialty units with strong resale value give lenders more flexibility
Vocational trucks with proprietary bodies (aerial lifts, concrete drums) often require a lender who understands the combined asset value. We match those deals to the right specialists.
How EFN works
- Tell us about the equipment, your business, and the amount you need. It takes about five minutes.
- A person reviews your profile against lender appetite criteria — your file is not blasted to a list.
- When there is a genuine fit, we introduce you to that funding source and tell you the moment it happens.
Equipment Funding Network is a match and routing service, not a lender. EFN does not make credit decisions and does not set your financing terms — the funding source does. There is no cost to you to use EFN.