Rollbacks

Rollback tow truck financing

Flatbed carriers are the workhorse of towing, and usually the first truck. New, used, and higher-mileage rollbacks financed across every credit profile, dealer or private seller.

New, used & high-mileage rollbacks
First-truck buyers welcome
Dealer & private-party purchases
Terms up to 72 months

Apply now Call 617-843-5612

Updated September 15, 2026

How do I finance a rollback tow truck?

Avanti finances rollback (flatbed carrier) tow trucks, new, used, and higher-mileage, for every credit profile, including first-truck buyers and startups. Amounts run $20K to $500K+ with terms up to 72 months, and decisions can come in as little as 24 hours, starting with a quick pre-qualification.

10+

Years of founder experience

24-hr

Fastest decisions

States served

72-mo

Terms available

Why finance with Avanti

A rollback is how most towing businesses start, and how established outfits keep the daily calls moving. Whether it's your first flatbed carrier or the next addition to the fleet, the financing is built around how a rollback actually earns: steady daily volume. Every credit profile is considered, startups included, and you'll get a straight answer on your down payment before you commit to a truck.

At a glance

Amounts: $20K – $500K+
Terms: Up to 72 months
Credit: A-paper to challenged
Equipment: New & used

What affects your rollback down payment?

Your credit, time in business, purchase amount, and the truck itself all matter. First-truck buyers can apply, but a startup should not assume it will qualify for the same structure as an established towing company.

For example, a 20% down payment on a $75,000 rollback is $15,000, leaving $60,000 to finance before any taxes or fees. This is a budgeting example, not an approval or a required down payment. Your actual terms come after review.

What to send us about a used rollback

A listing or invoice helps us review the actual truck instead of a price alone. Have these details ready:

Year, make, model, VIN, and asking price
Mileage and details of the rollback body and equipment
Dealer or private seller's name and contact information
Known condition issues and any available 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)

See the application document checklist

Compare the payment before choosing a truck

Use the calculator to compare the amount financed, available down payment, and repayment term. A longer term can lower the monthly payment, but it can also increase the total financing cost. Terms up to 72 months are available, subject to the truck and your profile.

Leave room for insurance, fuel, maintenance, and downtime alongside the truck payment. An estimate helps you budget; it does not replace a credit-based pre-qualification.

How it works

Pick your equipment

Choose the truck or machine you need, from a dealer or a private seller, new or used.

Apply in minutes

A short application and the equipment details. We review your credit to pre-qualify, usually in just a few minutes.

Get a decision

Decisions come back in as little as 24 hours, with terms matched to your credit and time in business.

Get funded

Sign, and we coordinate funding, usually within a few days, so your equipment can get to work.

Start your application

Rollback tow truck financing at a glance

The program, stated plainly: what qualifies, what it takes, and what to expect.

Rollback tow truck financing at a glance
Equipment financed	New, used and higher-mileage rollback and flatbed carriers, single-car to industrial carriers. 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, from 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

Can I finance my first rollback with no business history?

Yes. First-truck buyers and brand-new 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.

Do you finance used or high-mileage rollbacks?

Yes. Used and higher-mileage flatbed carriers are financed every day, with the term set by the truck's age, the amount, and your credit profile.

Can I buy a rollback from a private seller?

Yes. Avanti considers private-party purchases as well as dealer purchases. Send the truck details and seller's contact information; final terms depend on the equipment and your application.

How fast can I get a decision?

Decisions come in as little as 24 hours on a 3-minute application, with a quick pre-qualification to start.