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

Apply now Call 617-843-5612

Updated September 15, 2026

Can I finance a service truck or mechanic's truck?

Yes. Avanti Equipment Finance finances service and mechanic trucks as one unit with the chassis, new or used, from a dealer, an upfitter or a private seller: service body, crane, compressor, welder and lube packages, and utility-body trucks for the trades. 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 decisions can come in as little as 24 hours.

10+

Years of founder experience

24-hr

Fastest decisions

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. 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

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

Service truck financing at a glance

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

Service truck financing at a glance
Equipment financed	New, used and higher-mileage service, mechanic's, utility, welding and lube trucks, with 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, 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 the service body and crane along with the chassis?

Yes. A completed service truck is financed as one unit, whether it comes from a dealer, an upfitter, or a private seller: chassis, body, crane, compressor and any mounted welder or lube package.

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.