Vocational

Financing for work-built trucks

Bucket trucks, boom trucks, service and utility trucks, vacuum and septic trucks, and more. App-only programs, all credit considered, decisions in as little as 24 hours.

Bucket, boom, service & vacuum trucks
App-only to higher amounts
No tax returns on app-only deals
New or used

Apply now Call 617-843-5612

Updated September 15, 2026

Can I finance a bucket, boom, service or vacuum truck?

Yes. Avanti finances vocational and work-built trucks (specialty vehicles), including bucket trucks, boom trucks, service and utility trucks, and vacuum and septic trucks, new or used and across every credit profile. App-only programs are available on many deals, amounts run $20K to $500K+ with terms up to 72 months, and decisions come in as little as 24 hours on a short application.

Financing by truck type

Boom and crane trucks, knucklebooms, bucket trucks, service trucks and vacuum trucks each have their own page with the details that matter for that unit.

10+

Years of founder experience

24-hr

Fastest decisions

States served

72-mo

Terms available

Why finance with Avanti

A vocational truck is a tool built for a job, and financing it should be just as purpose-built. We help finance the full range of work trucks, what some lenders file under specialty vehicles, new or used, from dealers, upfitters or private sellers, across every credit profile: bucket and aerial-lift trucks, boom trucks and truck-mounted cranes, service and mechanic's trucks, utility bodies, vacuum, septic and hydro-excavation trucks, water and fuel trucks, sweepers, and chassis with an upfit. App-only programs skip the tax returns on many deals, and the term is set from the truck's age and the amount rather than a blanket rule, so a used unit with plenty of working life left is financed on its merits. The body and the boom are part of the truck's value, not an afterthought, and a current inspection or certification on an aerial device strengthens the file. 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

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

Vocational truck financing at a glance

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

Vocational truck financing at a glance
Equipment financed	New, used and higher-mileage bucket, boom, service and utility trucks and upfitted chassis. 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 is a vocational truck?

A vocational truck is a work-purpose commercial truck built for a job: dump trucks, bucket and boom trucks, service and utility trucks, and similar. We finance the full range.

Do you finance bucket and boom trucks?

Yes. Bucket trucks, boom trucks, dump trucks, and other vocational equipment are all financeable, new or used.

Is there an app-only program?

Yes. App-only financing is available up to higher amounts with no tax returns required, with a quick credit-based pre-qualification to start.

What credit profiles do you work with?

All of them: A-paper through challenged credit, plus startups. Terms and down payment are matched to your profile.

Can I finance the upfit along with the chassis?

In most cases, yes. A completed truck is financed as one unit, chassis, body and mounted equipment, whether it comes from a dealer, an upfitter, or a private seller.

Do you finance used vocational trucks?

Yes. Used and higher-mileage work trucks are financed regularly, with the term set by the unit's age, the amount financed, and your credit profile.