Service Trucks
Service truck financing
Mechanic's trucks with a service body and crane, utility-body trucks for the trades, welding and lube trucks — new or used, from a dealer, an upfitter or a private seller. Every credit profile, decisions in as little as 24 hours.
- Service body, crane & compressor
- Utility, welding & lube bodies
- App-only to higher amounts
- New or used
Updated September 15, 2026
Can I finance a service truck or mechanic's truck?
Yes — Avanti Equipment Finance finances service and mechanic trucks — service body, crane, compressor, welder and lube packages, and utility-body trucks for the trades — as one unit with the chassis, new or used, from a dealer, an upfitter or a private seller. Every credit profile is considered, including mechanics going out on their own, on amounts from $20K to $500K+ with terms up to 72 months. Most service trucks fit app-only programs with no tax returns, 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 service truck is a shop on wheels, and it earns wherever the broken machine is — the jobsite, the yard, the roadside. Heavy-equipment mechanics, fleet maintenance outfits, mobile welders, tire techs, and plumbers and electricians running a utility body all buy the same kind of truck: a commercial chassis with a service body and the compressor, crane, welder or lube package the work calls for. We finance the completed truck as one unit, new or used, from a dealer, an upfitter or a private seller, with app-only programs that skip the tax returns on many deals — and because most service trucks land well under the bigger-ticket threshold, the paperwork usually stays light. Every credit profile is considered, first-truck mechanics 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 service trucks we finance
Any work truck built around a service or utility body, financed as one unit with whatever is mounted on it:
- Mechanic's trucks — service body with a crane, air compressor and drawer packages
- Utility-body trucks for plumbing, electrical, HVAC and general contracting
- Welding trucks with a mounted welder-generator, and lube and fuel-service bodies
- Enclosed service bodies and crane bodies on a Class 3 through Class 7 chassis
- New units from a dealer or upfitter, and used trucks from a dealer or a private seller
What affects your service truck down payment?
Your credit, time in business, purchase amount, and the truck itself all matter. A mobile-repair business with a year of deposits looks different from a mechanic going out on their own, and the structure follows the file.
For example, 20% down on a $95,000 mechanic's truck is $19,000, leaving $76,000 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 service 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
- Body make and configuration, plus the crane's rated capacity and the compressor or welder model if mounted
- Dealer, upfitter or private seller's name and contact information
- Known condition issues on the body, crane and hydraulics, 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.
Service 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 service, mechanic's, utility, welding and lube trucks — body and chassis financed as one unit. 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
Can I finance the service body and crane along with the chassis?
Yes. A completed service truck — chassis, body, crane, compressor and any mounted welder or lube package — is financed as one unit, whether it comes from a dealer, an upfitter, or a private seller.
Can a mechanic going out on their own finance a service 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 service trucks?
Yes. Used service and utility-body trucks are financed regularly, with the term set by the unit's age, the amount financed, and your credit profile.
Is there an app-only program for service trucks?
Yes. App-only financing is available up to higher amounts with no tax returns required, starting with a quick credit-based pre-qualification — and most service trucks fit inside it.
How fast can I get a decision on a service 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.
Related financing
- Vocational truck financingBucket, boom, service and utility trucks — app-only on many deals.
- Vacuum truck financingSeptic pumpers, hydrovacs and industrial vac loaders — tank, pump and chassis financed as one unit.
- Trailer financingDry vans, flatbeds, lowboys and specialty trailers.
- Lowboy & heavy-haul trailer financingRGN and fixed-neck lowboys, jeeps and boosters — alone or as one deal with the tractor.