Lowboys & Heavy-Haul
Lowboy and heavy-haul trailer financing
Removable-gooseneck and fixed-neck lowboys, 35- to 85-ton heavy-haul trailers, multi-axle configurations with jeeps, boosters and flip axles — new or used, from a dealer or a private seller. Financed on its own or as one deal with the tractor. Every credit profile considered.
- RGN, fixed-neck & mechanical-neck lowboys
- Multi-axle, jeep, booster & flip-axle setups
- Finance the trailer alone or with the tractor
- New or used, dealer or private seller
Updated September 15, 2026
How do I finance a lowboy trailer?
Avanti Equipment Finance finances new and used lowboy and heavy-haul trailers — hydraulic and mechanical RGN lowboys, fixed-neck units, two- and three-axle trailers with flip axles, jeeps and boosters, and beam and perimeter-frame heavy-haul trailers — from a dealer or a private seller. The trailer can be financed on its own or as one deal with the tractor. Every credit profile is considered on amounts from $20K to $500K+ with terms up to 72 months; most trailer tickets fit app-only programs with no tax returns, larger heavy-haul packages are structured with a financial package, and most applicants get a decision in as little as 24 hours.
10+
Years of experience
24-hr
Approval decisions
49
States served
72-mo
Terms available
Why finance with Avanti
A lowboy is what turns a contractor's iron into a fleet that moves itself. The excavator that can only work where it's delivered becomes the excavator that's on the next site by seven, and the day rate you used to pay a heavy hauler stays in the business. It's also one of the higher-ticket trailers there is, and it should be financed like the tool it is. We finance lowboys and heavy-haul trailers of every configuration, new or used, from a dealer or a private seller: hydraulic and mechanical removable-gooseneck lowboys, fixed-neck and non-ground-bearing units, two- and three-axle trailers with flip axles, jeeps and boosters for the permit loads. A trailer bought with its tractor is financed as one deal; a trailer bought on its own is financed on its own. Used trailers are financed every day, with the term set by the trailer's age, condition and the amount financed. Strong credit and time in business can mean $0 down; challenged credit usually means a down payment and a newer trailer, and you'll know the number before you put a deposit on anything. Decisions come back in as little as 24 hours, and we coordinate direct payment to the seller.
At a glance
- Amounts
- $20K – $500K+
- Terms
- Up to 72 months
- Credit
- A-paper to challenged
- Equipment
- New & used
Which lowboys and heavy-haul trailers we finance
Any trailer built to move machines and oversize loads, financed as one unit with its neck, decks and axle additions:
- Hydraulic removable-gooseneck (RGN) lowboys — the standard for excavators, dozers and cranes that drive on and off the front
- Mechanical RGN and fixed-neck lowboys for lighter machines and shorter money
- Non-ground-bearing and folding-neck designs
- Two-axle and three-axle lowboys, and the flip axle, jeep dolly and booster that turn a 3-axle into a permit-ready 3+1 or 3+2 configuration
- Beam, blade-hauler and perimeter-frame heavy-haul trailers for the loads above 55 tons
- Traveling-axle and hydraulic-tail trailers for equipment dealers and rental yards
- New from a dealer, and used from a dealer or a private seller
Trailer alone, or trailer and tractor together
A lowboy and the tractor that pulls it are often bought at the same time, especially when a contractor stops paying a heavy hauler and starts moving its own iron. One application, one closing, one payment covers both, and the combined ticket usually clears the app-only program with no tax returns. A lowboy bought on its own is financed on its own, the same way.
Larger heavy-haul setups — a multi-axle trailer plus jeep and booster, or a trailer-and-tractor package — can run past $300,000, where the deal is structured with a financial package and a term matched to the work the rig will run on.
Used-lowboy checklist
A lowboy carries the heaviest loads on the road, and the frame is the whole trailer. Before you agree on a price, check or have an inspector check:
- Main beams and cross-members for cracks, previous weld repairs and any sag in the deck between the neck and the axles
- The neck — hydraulic cylinders, hoses and the pump on an RGN; the pin and latch on a mechanical neck; kingpin wear
- Suspension and axles — air-ride bags and leveling valves or spring hangers, axle alignment, bearing play
- Brakes, drums and ABS; a current DOT annual inspection is worth asking for before anything else
- Tires — matched and dated; eight or twelve tires is a real number on the price
- Deck boards, tie-down points, ramps and outriggers
- Flip axle, jeep or booster included in the price, and whether the wiring and air lines are complete
What to send us about the trailer
A listing or a dealer quote lets us review the actual trailer instead of a price alone. Have these ready:
- Make, model, year, VIN and asking price
- Capacity (tons), axle configuration and neck type
- Any jeep, booster or flip axle included
- Whether a tractor is part of the same purchase, and its details
- Dealer or private seller's name and contact information
- 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 trailer 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.
Lowboy & heavy-haul trailer financing at a glance
The program, stated plainly: what qualifies, what it takes, and what to expect.
| Equipment financed | New, used and higher-mileage RGN, fixed-neck and mechanical-neck lowboys, multi-axle heavy-haul trailers with jeeps, boosters and flip axles. 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
What lowboy and heavy-haul trailers can I finance?
Hydraulic and mechanical removable-gooseneck lowboys, fixed-neck and non-ground-bearing units, two- and three-axle trailers with flip axles, jeeps and boosters, beam and perimeter-frame heavy-haul trailers, and traveling-axle and hydraulic-tail trailers — new or used, from a dealer or a private seller.
Can I finance the lowboy and the tractor together?
Yes. A trailer and tractor bought at the same time are financed as one deal — one application, one closing, one payment. A lowboy bought on its own is financed on its own.
Do you finance used lowboys?
Yes. Used lowboys are financed every day, with the term set by the trailer's age, condition and the amount financed. A current DOT inspection and clean frame strengthen the file.
How much down payment do I need for a lowboy?
Strong credit and a few years in business can mean $0 down. Challenged credit or a newer business typically means a down payment, often 20 to 40 percent, and owned equipment can be pledged to lower it. You'll know the exact number before you commit.
Can I buy a lowboy from a private seller?
Yes. Private-party purchases get the same terms as a dealer purchase. We verify the trailer and the seller, handle the title and any lien payoff, and coordinate direct payment to the seller.
Does the financing cover the jeep and booster?
Yes. A jeep dolly, booster or flip axle bought with the trailer is part of the unit and is financed with it, as long as it's on the invoice or bill of sale.
How fast can I get a decision on a lowboy?
Decisions come in as little as 24 hours on a short application. Larger heavy-haul packages that need a financial package can take a little longer once documents are in.
Related financing
- Trailer financingDry vans, flatbeds, lowboys and specialty trailers.
- Dump trailer financingEnd, side and bottom dumps, frame or frameless — the wet kit and tractor on the same deal.
- Flatbed & step-deck trailer financingFlatbeds, step decks and Conestogas — the lower-ticket way to add a lane of work.
- Construction equipment financingExcavators, dozers, loaders and skid steers, new or used.