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Dump Truck Financing

Dump Truck Financing

Are you looking to buy a new or used dump truck and need to get dump truck financing. We’ve partnered with one of the nation’s best dump truck financing companies, TopMark Funding®.

Whether you purchase a Kenworth dump truck, Mack dump truck, Peterbilt dump truck, or any other brand of dump truck, TopMark Funding has a used or new dump truck financing program for you.

TopMark Funding® has been helping business owners like you grow their fleets and increase their revenue by offering expert advice, flexible terms, low down payments, and great rates for qualified customers. They can tailor a dump truck lease or dump truck loan to fit your monthly budget, improve cash flow, and help grow your business.

Apply today for a no-obligation dump truck financing quote. TopMark Funding’s application process is straightforward, fast, and easy. Don’t worry, they do a soft inquiry on your credit. No hard inquiries and no negative impact on your personal or business credit score.

Get a Risk-Free Quote Today

Dump Truck Financing Requirements

When it comes to dump truck financing, the dump truck you decide to purchase becomes the collateral, which helps to limit the lender’s risk. By reducing the risk you’re more likely to be qualified for dump truck financing.

Several factors will determine your dump financing term, interest rate, and down payment. Here’s a list of all the dump truck financing requirements and factors that determine your eligibility and financial requirements.

Eligibility Factors

Making smart choices with dump truck financing is critical to any trucking company. Having up-to-date equipment to maximize efficiency and stay in compliance with the ever-changing regulations is important to a company’s growth and sustainability. 

How Credit Affects Dump Truck Financing

When it comes to getting a new or used dump truck financing, your credit score can play a big role. When shopping for dump truck financing for your new dump truck, you need to keep your credit health in mind. A lot of truckers actually harm their credit by applying haphazardly to any and or every company that promises they can get them the dump truck of their dreams.

What actually happens is a LOT of hard inquiries on your credit report. Remember, each hard inquiry can ding you up to 10 points. If you apply to 4 places, that’s enough to drop your score a whole credit grade.

Dealers are another avenue you want to be wary of in regards to credit. When you “apply” or see if you can get financed for a dump truck you like at a dealership, what that dealer often does is send your information around to any bank or company they think you can get approved at. Again, this leads to unnecessary hard inquiries.

Don’t worry, there are companies out there that can get approved for dump truck financing without harming your credit. TopMark Funding can help you by getting you pre-approved with just a soft inquiry. This way, you can see your rates without any damage done to your credit or commitment from you.

Breakdown of Fico Score Ranges

Being knowledgeable about the process and what it means in terms of credit will help you make the best choices.

Statistically speaking, most people’s credit scores fall between the range of 600 to 720.

What Affects Your Credit Score


Here’s the fun part of the dump truck financing process: shopping for your new dump truck! When shopping for dump trucks for sale you need to keep in mind some requirements the lenders have. 

We always recommend buying your new or used dump truck from a reputable dump truck dealer.  

If you’re not sure which dump truck dealer in your area is reputable, give us a call and we’ll have some suggestions at (866) 916-3780. We have a list of great dealers throughout the US.

Lenders want to make sure the dump truck you’re trying to buy is a good investment for you and will last the duration of the financing term. Also, the truck is the collateral for the financing.

If something were to happen and you can no longer afford to pay the lease or loan back, the lender will need to repossess the dump truck and recover their capital.


Before you get approved and obtain your dump truck lease or loan, you’ll need to have dump truck insurance. Commercial truck lenders will make sure you have good dump truck insurance. Just like your personal vehicle, you’ll need good insurance for your truck. 

Just like anything else in life, you get what you pay for. Your dump truck and business are valuable assets and you don’t want to be under-insured and liable for the potentially massive repair and legal bills.

Dump truck lenders require you to have the following coverage:

If you own a fleet of dump trucks and have employees driving for you, you’re going to need workers’ compensation. Contact your local business insurance agent for more details.

Lenders will not allow you to finalize the deal without the correct type of insurance for a dump truck. If you have any questions please feel free to contact your finance specialist. (866) 916-3780


TopMark Fundings process is quick and easy. They know how important it is to get you funded fast and back on the road in your new dump truck. The faster you’re on the road, the faster you can make more money. 

Click the “Get Started Now” button to start our quick and easy application process. The faster you start, the faster you GET PAID! – If you can’t wait? Give TopMark Funding a call now (866) 916-3780

Get a Quote Today. No Hard Inquiries!

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