Vacuum Truck Financing
At Heavy Iron Capital, we provide flexible vacuum truck financing built for septic, environmental, and industrial service businesses. Whether you’re buying a new or used vacuum truck, we offer fast approvals, competitive terms, and no hard credit checks. Grow your fleet and take on more jobs with affordable financing designed to keep your operation pumping.
Finance Your Vacuum Truck with Confidence
Vacuum Truck Financing Built for Growth
At Heavy Iron Capital, we make vacuum truck financing simple and accessible for septic, environmental, and industrial service businesses. Whether you’re investing in a new or used vac truck, sewer cleaning truck, or hydrovac unit, we offer fast approvals, competitive terms, leasing options, and no hard credit checks. We also finance related equipment including dump trucks, water trucks, cranes, and more—helping you expand your fleet with one trusted lending partner.
Looking to expand your operation? From industrial vacuum trucks to hydrovac excavators, Heavy Iron Capital delivers the flexibility and speed you need to keep your business moving forward.
Once you’re pre-approved by Heavy Iron Capital, your approval is valid for 90 days—with no additional credit checks required.
Get pre-approved in minutes with no hard credit inquiries and zero impact on your personal or business credit.
Construction equipment financing made easy. We’ve built a fast, hassle-free approval process with quick funding.
We finance any make and model of construction equipment—new or used, from any dealer or private seller.
We work with new businesses to help you secure the construction equipment you need to get started and grow.
Get pre-approved in minutes with no hard credit inquiries and zero impact on your personal or business credit.
Real Reviews By Equipment Owners Like You
Don’t just take our word for it—see what real customers have to say. From first-time buyers to seasoned operators, contractors across the country trust Heavy Iron Capital for fast, reliable financing and unmatched service. Here’s what they’re saying:
Equipment Finance Agreement (EFA)
Secure Your Vacuum Truck with Fixed Payments and Full Control
A Vacuum Truck Equipment Finance Agreement (EFA) offers a simple, effective way to finance a vac truck — giving you ownership without lease restrictions or balloon payments.
-
Use your vacuum truck as collateral
-
Fixed monthly payments with no surprises
-
Works well for used or specialty vacuum trucks
-
Easier to qualify for than a traditional loan
EFAs are a great option for contractors who want the benefits of ownership without the red tape of a lease.
⚡ Fast funding available with minimal paperwork.
Vacuum Truck Lease
Lower Payments, Greater Flexibility
Leasing a vacuum truck, hydro truck, or sewer truck is ideal for contractors who want to reduce upfront costs and keep monthly payments low. You’ll get access to newer equipment without tying up your working capital.
-
Lease terms from 12 to 60 months
-
Lower monthly payments vs. loans
-
End-of-term options: purchase, renew, or return
-
Available for most vacuum truck brands and models
From short-term hauling projects to long-term fleet planning, leasing gives you the control and flexibility to match your cash flow and equipment needs.
🔧 Ask about $0 down and Section 179 advantages.
Vacuum Truck Loans
Own Your Vacuum Truck With a Straightforward Loan
If you’re looking to purchase and fully own your vacuum truck, a traditional loan is a great fit. Our vacuum truck loans work for new or used equipment and are structured to help you build equity from day one.
-
Finance your 2, 3, or 4-axle vacuum truck
-
Terms from 24 to 60 months
-
Competitive fixed rates
-
Private party or dealer purchases accepted
Whether you’re expanding your fleet or replacing aging equipment, we’ll help you secure the financing that fits your budget and timeline.
👉 Apply in minutes — No hard inquiry required.
Frequently Asked Questions
What are typical terms for equipment financing?
Typical equipment financing terms range from 24 to 72 months, depending on the type of equipment, its age, and the borrower’s credit profile. At Heavy Iron Capital, we offer flexible term lengths to match your budget and cash flow needs. Down payments can vary—usually between 0% up to 40%—and interest rates depend on factors like credit strength, time in business, and the equipment being financed. We work with both established businesses and startups to find terms that make sense for your operation.
What are the requirements for equipment financing?
How hard is it to get equipment financing?
What credit score do you need for equipment financing?
How long can you finance construction equipment?
Heavy Equipment Financing
Flexible Financing for Excavators, Loaders, Cranes, Dump Trucks, and More
Looking to grow your construction business with reliable construction equipment financing? At Heavy Iron Capital, we make it easy to secure funding for the heavy machinery you need to get the job done. Whether you’re financing a new excavator, backhoe, dump truck, bulldozer, or loader, our flexible programs are built to support contractors, owner-operators, and growing fleets. We finance all major types of yellow iron with fast approvals, no hard credit pull, and dedicated support from start to finish.
Earthmoving Equipment
Construction Trucks
Cranes & Lifts
Construction News
Your Source for the Latest Construction Industry News
Our construction blog covers everything you need to know about construction equipment, financing strategies, industry news, and business tips for contractors. Whether you’re running a small grading crew or managing a growing construction company, we’ve got the insights to help you make smarter equipment decisions and grow your business.
Top 10 Best Excavator Brands in the USA
Excavators: Your Complete Guide for Excavators
