Dump truck types we finance
From single-rear-axle 5-tonne city trucks to double-trailer dump combinations, every common vocational configuration in Canadian use is supported.
- Tandem and tri-axle dump trucks
- Quad-axle and live-bottom dumps
- Roll-off (hook-lift) trucks for waste and demolition
- Side-dump and end-dump combinations
- Articulated rock trucks for site work
- Plow / spreader winter combo trucks
Who we help
Our dump-truck files run the spectrum from one-truck owner-operators to municipal sub-contractors with 30+ unit fleets.
- Independent aggregate haulers and gravel cartage
- Excavation and demolition contractors
- Snow-and-ice contractors expanding their winter fleet
- Roll-off / waste service providers
- Construction GCs adding self-perform capacity
How we structure the file
Vocational equipment depreciates faster than highway tractors. We work with you to match the term to the working life and your seasonal cash cycle:
- Skip-payment schedules covering low-volume winter months
- Step-up structures for newly incorporated operators
- Capital lease with $10 buyout for keeping the unit
- Operating lease where the chassis will be retired or rotated
- Up to 84-month terms on the right credit profile
Frequently Asked Questions
Do you finance used dump trucks?
Yes — used vocational chassis are routinely financed. Lender appetite varies with model year, mileage, hours and rust profile. Late-model used trucks (5–8 years) are the easiest path.
I run seasonally — can I match payments to my cash flow?
Yes. Skip-payment and step-up schedules are common for snow contractors and aggregate haulers whose revenue dips between November and March. We structure the schedule before you sign.
Can I add a dump body to a financed chassis?
Often, yes. Body-builder upfit costs (dump bodies, plows, hoists, hook-lifts) can usually be rolled into the same financing if quoted up front.
Is a CDL or AZ license required?
For Class-8 dump trucks an AZ (Ontario) or equivalent provincial license is required to operate. Lenders typically want to see the operator named on the application.
What documents are usually required?
For applications under $250,000 the file is typically minimal — a one-page application and basic ID. Above $250,000 we generally request two years of business financial statements and the most recent three months of bank statements. Specific lenders may also request equipment quotes, articles of incorporation, or a personal net-worth statement.