Heavy Recovery

Rotator & heavy wrecker financing

Heavy recovery iron is a serious investment, and it bills like one. Rotators and heavy-duty wreckers financed new or used, with structures built for larger tickets.

Rotators & heavy wreckers
Larger tickets welcome
New or used units
Terms up to 72 months

Apply now Call 617-843-5612

Updated September 15, 2026

Can I finance a rotator or heavy wrecker?

Yes. Avanti finances rotators and heavy-duty wreckers, new or used, with structures built around how heavy recovery actually bills. Every credit profile is considered, amounts reach $500K+, terms run up to 72 months, and decisions come in as little as 24 hours. Newer businesses should plan on a meaningful down payment.

10+

Years of founder experience

24-hr

Fastest decisions

States served

72-mo

Terms available

Why finance with Avanti

A rotator changes what your operation can bill: heavy recovery pays multiples of a light-duty call, and the trucks hold value. Financing one is less about the sticker and more about the revenue it unlocks. Larger deals get structured properly: on tickets over $300k, plan on providing a financial package (tax returns, balance sheet, P&L, bank statements). The decision still comes back fast, so you don't lose the unit to another buyer while you wait.

At a glance

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

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

Rotator tow truck financing at a glance

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

Rotator tow truck financing at a glance
Equipment financed	New, used and higher-mileage rotators and heavy-duty wreckers. 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

What paperwork does a rotator deal need?

Under $300k, app-only programs are often available with no tax returns. Over $300k, expect a full financial package: last 2 years of tax returns, a balance sheet, a P&L, and 6 months of bank statements.

Do you finance used rotators and heavy wreckers?

Yes. Used heavy recovery units are financed regularly, with the term based on age, amount, and credit profile.

Can a newer business finance a rotator?

It's possible, but heavy recovery is usually a step-up purchase. A newer business should plan on a meaningful down payment, and existing towing revenue makes the file much stronger. We'll tell you honestly where you stand before you commit.

How long does approval take?

Decisions come in as little as 24 hours. Bigger tickets that need a financial package can take a little longer once documents are in. Sending them upfront speeds everything up.