Bucket Trucks
Bucket truck financing
Insulated and non-insulated aerial lifts, forestry packages with a chip box, and material-handling buckets — new or used, from a dealer, an upfitter or a private seller. Every credit profile, decisions in as little as 24 hours.
- Insulated & non-insulated aerials
- Forestry & material handlers
- App-only to higher amounts
- New or used
Updated September 15, 2026
How do I finance a bucket truck?
Avanti Equipment Finance finances bucket and aerial-lift trucks — insulated and non-insulated aerials, forestry packages with a chip box, and material-handling buckets — new or used, from a dealer, an upfitter or a private seller. Every credit profile is considered, including tree-service startups and first-truck buyers, on amounts from $20K to $500K+ with terms up to 72 months. App-only programs skip the tax returns on many deals, a current annual inspection on the boom strengthens the file, and most applicants get a decision in about 24 hours.
10+
Years of experience
24-hr
Approval decisions
49
States served
72-mo
Terms available
Why finance with Avanti
A bucket truck is the difference between a crew that can take the job and one that has to rent for it — tree work, line clearance, electrical and telecom, lighting and sign service, building maintenance. We finance the full range of aerial-lift trucks, from a 35-foot bucket on a pickup-class chassis to 60-foot-plus insulated units on a medium-duty truck, new or used, with app-only programs that skip the tax returns on many deals. The aerial device is most of the truck's value, so its working height, insulation rating and inspection history matter as much as the chassis miles, and a current annual inspection on the boom strengthens the file. Every credit profile is considered, tree-service startups and private-party purchases included, and you'll get a straight answer on your terms before you commit to a unit.
At a glance
- Amounts
- $20K – $500K+
- Terms
- Up to 72 months
- Credit
- A-paper to challenged
- Equipment
- New & used
Which bucket trucks we finance
Any truck-mounted aerial lift built for working at height, with the chassis, body and boom financed as one unit:
- Insulated (dielectric) aerials for line, electrical and utility work
- Non-insulated buckets for tree service, lighting, sign and building maintenance
- Forestry packages — bucket plus chip box or dump body — and over-center booms for tree work
- Material-handling aerials with a jib and winch for pole and transformer work
- New units from a dealer or upfitter, and used trucks from a dealer or a private seller
What affects your bucket truck down payment?
Your credit, time in business, purchase amount, and the truck itself all matter. A tree-service outfit with a year of deposits looks different from a startup buying its first truck, and the structure follows the file.
For example, 20% down on a $110,000 bucket truck is $22,000, leaving $88,000 to finance before any taxes or fees. That is a budgeting example, not an approval or a required down payment — your actual terms come after review, and equipment you already own can be pledged to lower the cash at closing.
What to send us about a used bucket truck
A listing or invoice lets us review the actual truck instead of a price alone. Have these details ready:
- Year, make, model, VIN and mileage of the chassis
- Aerial make and model, working height, and whether the boom is insulated
- Date of the most recent annual aerial inspection, and the dielectric test on an insulated unit
- Dealer, upfitter or private seller's name and contact information
- Known condition issues on the boom, hydraulics and controls, and any maintenance records
- The down payment you have available and your business start date
Documents depend on your application
You can start with a short application and the equipment details. We will let you know what supporting documents your profile requires. If bank statements are requested, provide:
- Last 3 months of business bank statements — all pages, PDF downloads from online banking (no photos or partial pages)
How it works
1
Pick your equipment
Choose the truck or machine you need — from a dealer or a private seller, new or used.
2
Apply in minutes
A short application and the equipment details. We review your credit to pre-qualify, usually in just a few minutes.
3
Get a decision
Decisions come back in as little as 24 hours, with terms matched to your credit and time in business.
4
Get funded
Sign, and we coordinate funding — usually within a few days — so your equipment can get to work.
Bucket truck financing at a glance
The program, stated plainly: what qualifies, what it takes, and what to expect.
| Equipment financed | New, used and higher-mileage insulated and non-insulated bucket trucks, forestry and material-handling aerials. The term is set by the unit's age and the amount, not a blanket cutoff. |
|---|---|
| Where you can buy | Dealers, auctions and private sellers. A private-party purchase gets the same terms as a dealer deal — the title, any lien payoff and direct payment to the seller are handled for you. |
| Credit profiles | Every profile — A-paper to challenged credit, thin credit, past (discharged) bankruptcy, and startups under two years in business. |
| Amounts and terms | $20,000 to $500,000+ with terms up to 72 months. |
| Down payment | Strong credit and time in business can mean $0 down. Challenged credit (under 600) typically pairs with 30–40% down and 2017-or-newer equipment. Owned, titled equipment can be pledged to lower the cash at closing, and you'll know the number before you put a deposit on anything. |
| Paperwork | App-only programs with no tax returns on many deals under $300,000. Over $300,000, plan on a financial package — two years of tax returns, a balance sheet, a P&L and bank statements. Bank statements are asked for on smaller deals only when the credit profile calls for them. |
| Decision and funding | Decisions in as little as 24 hours from a short online application. Avanti coordinates funding through its lending partners, paid directly to the seller — usually within a few days — for businesses in 49 states, fully remote. |
Frequently asked questions
Do you finance insulated and non-insulated bucket trucks?
Yes — both. Insulated (dielectric) aerials for line and electrical work and non-insulated buckets for tree service, lighting and sign work are financed the same way, new or used, as one unit with the chassis.
Can a tree service startup finance a bucket truck?
Yes. First-truck buyers and newer businesses are welcome. The down payment scales with your credit — strong credit can mean $0 down up to $50k, while tougher credit typically means 20–40% down on a 2017-or-newer unit. You'll get the exact figure for your profile before you commit to a truck.
Do you finance used and higher-mileage bucket trucks?
Yes. Used aerial-lift trucks are financed regularly, with the term set by the unit's age, the amount financed, and your credit profile. A current annual inspection on the boom, and a passed dielectric test on an insulated unit, strengthen the file.
Can I finance a forestry bucket truck with a chip box?
Yes. A forestry package — bucket, chip box or dump body, and the chassis — is financed as one truck, whether it came from a dealer, an upfitter, or a private seller.
How fast can I get a decision on a bucket truck?
Decisions come in as little as 24 hours on a 3-minute application, starting with a quick credit-based pre-qualification, and we coordinate funding with the seller within a few days of signing.
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