We know a chassis from a body.
We understand that a dump truck often starts as a cab and chassis from one source and a body from an upfitter, and we help structure financing that covers both.
Industries we serve
Vocational Truck Financing
A vocational truck isn't just a way to get from point A to point B. It's a dump body that hauls base rock to a job site, a boom that sets trusses, a vacuum tank that clears a storm drain, or a rollback that clears a wreck off the highway at two in the morning. These trucks earn money through the work they do when they arrive, and the body and chassis together can represent one of the largest purchases a local business ever makes.
MissionFund is a veteran owned commercial finance brokerage that helps contractors, municipalities, waste haulers, utilities, towing companies, and local and regional fleets finance the trucks that keep their crews moving. We don't lend our own money. We compare offers from 60+ lending sources and help you choose a structure that fits how your fleet earns. One honest note up front: these programs serve vocational and local or regional work fleets. We aren't able to help over the road (OTR) trucking owner operators, and we'd rather tell you that now than waste your time.
Vocational Truck Equipment We Help Finance
From a single service body pickup to a full fleet of refuse trucks, here are the vocational units businesses finance most often.
Dump Trucks
Tandem, tri axle, single axle, and articulated dump trucks plus dump bodies.
Flatbed and Hotshot
Flatbed trucks, lumber flatbeds, and hotshot trucks and trailers for local work.
Curtain Side and Stake Body
Curtain side trucks, stake body trucks, and box trucks for local deliveries.
Refrigerated Trucks
Reefer box trucks, reefer units, and insulated bodies for cold chain delivery.
Tow Trucks and Rollbacks
Wheel lift wreckers, rollbacks, heavy wreckers, and rotators for towing companies.
Refuse and Roll Off
Front, rear, and side load refuse trucks, roll off trucks, and containers.
Boom and Crane Trucks
Knuckle boom trucks, crane trucks, and digger derricks for lifting crews.
Utility Trucks
Service body trucks, bucket trucks, and mechanics trucks for field crews.
Vacuum and Septic Trucks
Vacuum trucks, septic trucks, hydro excavators, and jetters for field crews.
Sweepers and Water Trucks
Street sweepers, water trucks, and dust suppression trucks for sites and cities.
Day Cab Tractors
Day cab tractors for local and regional hauling by established businesses.
Lowboy and Heavy Haul
Lowboy, heavy haul, and equipment trailers for moving machines between jobs.
How Vocational Truck Financing Works
Your trucks need to be on the road, not parked while you chase paperwork. Here's how we keep it simple.
Apply in minutes.
Complete one short application online. We use a soft credit pull only, so checking your options won't affect your credit score.
We compare 60+ lending sources.
We match your business, your truck, and your plans with lenders that understand titled vehicles and upfitted bodies.
You choose.
We lay the offers out side by side and explain the tradeoffs, including how a TRAC lease compares with owning the truck outright.
Your truck gets funded.
Once you sign, the lender typically pays the seller or upfitter, and you can schedule delivery and put the truck to work.
Funding ranges from $10K to $5MM+, so the same process handles one used rollback or an order of new sweepers for a city fleet.
Why Vocational Fleet Owners Choose MissionFund
Titled vehicle experience.
Lenders in our network work with titled trucks every day, including lien filings, registration, and the paperwork a municipal or utility buyer expects.
New, used, and private party options.
Many lenders finance quality used trucks and trailers, which matters when a lightly used unit fits your budget or delivery timeline better than a new build.
Soft costs can come along.
Depending on the lender, your financing may cover upfitting, lift gates, lighting packages, telematics, freight, and delivery.
Soft pull only.
We never run a hard credit pull while you compare options.
Veteran owned and transparent.
Applying is free, and we explain every structure without the jargon.
Financing Programs That Fit Vocational Truck Businesses
Work trucks hold value and carry titles, which opens up structures that don't always fit other equipment.
Program TRAC Lease
TRAC stands for Terminal Rental Adjustment Clause. In plain words, it's a lease built for trucks and titled vehicles where you and the lender agree on the truck's end value up front, which can lower your payments while leaving you the option to buy the truck at that set value.
Program Equipment Finance Agreement (EFA)
You own the equipment from day one and make fixed payments. It suits trucks you plan to run until the wheels come off.
Program Equipment Loan
A loan that usually carries the strongest incentives for paying off early, though the details depend on the lender. It helps seasonal businesses that want to pay down debt after a strong run.
See every option on our financing programs page.
Startups and Growing Businesses
Equipment financing is available from day one for startups, so a new excavation company, towing operation, or septic service can finance its first truck before it has a long track record. Lenders may look more closely at your personal credit and industry experience, and we help you present both clearly.
Once you've been in business at least one year, you can also explore working capital for payroll, fuel, and repairs, or a business line of credit to cover the gap between finishing a job and getting paid. For larger projects like a new yard, shop, or acquisition of another fleet, SBA loans offer government backed funding up to $5MM.
What You'll Need to Apply
For requests under $150K, lenders can often approve your truck on the application alone. For larger requests or multi truck orders, financial statements can strengthen your file and support higher amounts.
When it's time to fund, many deals finalize with just your driver's license and the invoice or bill of sale for the truck. For a used truck, have the VIN, mileage or hours, and seller information handy. That detail helps lenders move faster.
Frequently Asked Questions
Still have a question?
Talk to a real person. We're happy to walk you through your options.
Do you finance trucks for over the road owner operators?
No, and we want to be upfront about it. Our trucking programs serve vocational and local or regional work fleets, such as contractors, municipalities, waste haulers, utilities, and towing companies. If you're an OTR owner operator, we're not the right fit, and we'd rather tell you now.
Can you finance the truck body and the chassis together?
Often, yes. Many vocational trucks come from a chassis seller and a separate upfitter, and lenders in our network can combine both into one financing package depending on the deal. Share both quotes when you apply so we can structure it correctly.
What is a TRAC lease, and is it right for my fleet?
A TRAC lease is a truck lease with a set end value agreed on at the start. That set value can lower your payments, and at the end you can typically buy the truck for that amount. It tends to suit fleets that want lower payments and a clear path to ownership.
Can I finance a used dump truck or tow truck?
Yes, many lenders finance quality used vocational trucks, including private party purchases in some cases. Age, mileage, and condition all factor into what a lender will offer, so share as much detail as you can.
Do municipalities and utilities work with MissionFund?
Yes. Cities, counties, special districts, and utility contractors use vocational trucks like sweepers, bucket trucks, and vacuum trucks, and we can help compare financing options for those purchases.
Will applying affect my credit score?
No. We use a soft credit pull only, so reviewing your options won't impact your credit score. Applying is free.
Get started
See what your business qualifies for.
Applying is free, takes just a few minutes, and uses a soft credit pull only.
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