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Vocational Trucking

Lowboy and Heavy Haul Equipment Financing

Heavy equipment only earns money when it's on the job, and getting it there takes the right trailer. Excavators, dozers, loaders, compact track loaders, and cranes all need safe, legal transport between sites, and relying on a hired hauler can slow your schedule and eat into margins.

Excavation contractors, road builders, equipment rental companies, farm operations, and municipal public works departments finance their own lowboys and equipment trailers to control when and how machines move. MissionFund compares offers from 60+ lending sources so you can add transport capacity without tying up cash you need for fuel and crews.

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Programs that fitEFA$1 Buyout LeaseEquipment Loan

Lowboy and Heavy Haul Equipment We Help You Finance

  • 01

    Lowboy Trailers

    A lowboy has a deck that drops close to the ground between the gooseneck and the rear axles, which keeps tall machines under height limits. Many lowboys use a removable gooseneck, often called an RGN (removable gooseneck), that detaches so equipment can drive on from the front. Hydraulic detach models are fast and easy for crews that move machines often, while mechanical detach models weigh less and cost less. When buying, compare deck length, capacity, number of axles, and deck width. On used lowboys, check the gooseneck hydraulics, deck wood, and crossmembers.

  • 02

    Heavy Haul Trailers

    Heavy haul trailers handle the loads a standard lowboy can't, such as large dozers, cranes, transformers, and bridge beams. They often add jeeps, boosters, and extra axles to spread weight and meet permit requirements. Crane rental companies, heavy civil contractors, and utility contractors use them for oversize moves within their region. Consider modular axle options, steerable rear axles for tight turns, and how the configuration fits the permits you typically pull. These trailers are significant investments, so financing that covers accessories and extra axles together helps.

  • 03

    Equipment Trailers

    Equipment trailers cover everything from tag along trailers pulled by a dump truck to tilt deck and beavertail trailers pulled by a pickup or medium duty truck. Landscapers, concrete contractors, and rental yards use them to move skid steers, mini excavators, and compact equipment every day. Compare deck length, capacity, ramp style, and whether an air or electric brake system matches your tow vehicle. Tag trailers that ride behind a dump truck are especially popular because one driver can haul a machine and material together. New and used equipment trailers are widely financed.

Why Finance Lowboys Instead of Paying Cash

A lowboy supports every machine in your fleet, but it doesn't earn money on its own. Financing lets you keep cash available for the equipment, fuel, and labor that do earn, while the trailer pays for itself through saved hauling costs and faster mobilization.

Financing also keeps credit lines open for surprise repairs and lets you upgrade to a hydraulic detach or higher capacity trailer when your fleet grows. Trailers may qualify for Section 179 deductions; check with your tax professional.

What Your Financing Can Include

Depending on the lender, your financing may cover:

  • Jeeps, boosters, and extra axles
  • Outriggers and deck extensions for wide loads
  • Pony motors and hydraulic detach systems
  • Ramps, winches, and chain binders
  • Oversize load signs and lighting kits
  • Delivery and title fees

Programs That Work Well for Lowboys

  • Program

    $1 Buyout Lease

    Lease payments, then own it for one dollar at the end, a clean fit for trailers you plan to keep.

New Business or Established, We Can Help

Equipment financing is available from day one for startups, so a new excavation or rental business can finance its first equipment trailer. Established contractors can add heavy haul capacity as they take on bigger work. Need a tractor to pull it? See day cab truck financing or dump truck financing for tag trailer setups. Explore all vocational truck financing.

What You'll Need

Requests under $150K can often be approved on the application alone. Financial statements can help for larger heavy haul setups. Many deals finalize with your driver's license and the invoice or bill of sale, plus the trailer's VIN.

Frequently Asked Questions

Still have a question?

Talk to a real person. We're happy to walk you through your options.

Can I finance a used lowboy trailer?

Yes. Used lowboys are widely financed. Share the capacity, detach type, and condition details, along with photos, to help lenders review it.

What's the difference between a hydraulic and mechanical detach lowboy?

A hydraulic detach uses hydraulic cylinders to remove the gooseneck quickly, while a mechanical detach relies on the tractor's movement and pins. Hydraulic models cost more but save time for crews that load often.

Can I finance a trailer without a truck?

Yes. Lenders can finance trailers on their own, and they can also combine a trailer with a tractor or dump truck when both are part of the purchase.

Do you finance heavy haul equipment for OTR carriers?

Our programs serve contractors, rental companies, municipalities, and regional fleets moving their own equipment. We don't serve OTR owner operators.

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