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Home / Financing Heavy Trucks for Businesses with Bad Credit

Road to Ownership: Financing Your Heavy Truck with Less-Than-Perfect Business Credit


Two garbage trucks that were financed via heavy trucks for businesses with bad credit.

View Our Inventory

Financing heavy trucks for businesses with bad credit 

Owning a heavy truck is a cornerstone for many businesses, but securing financing can be a bumpy road, especially with less-than-perfect credit. Don't let credit challenges derail your business goals! Let's explore your options and pave the way to heavy truck ownership. 


A man using a calculator at a heavy truck job site.

Navigating the Financing Landscape 

Financing a heavy truck with less-than-stellar credit can feel like an uphill battle, but it's not impossible. Traditional lenders might be hesitant, but specialized financing options exist. 

Your Options: More Than Just a Truckload of Problems 

  • Specialized Lenders: These lenders focus on customers with credit challenges. They understand the unique needs of businesses and offer tailored financing solutions. 

  • Dealer Financing: Some dealerships collaborate with specialized lenders to provide financing options for customers with less-than-perfect credit. For example, Dirt Cheap Truck Sales offers financing options for individuals and businesses.  

  • Credit Unions and Banks: While less likely, some credit unions and banks might offer financing programs for businesses with less-than-perfect credit. 


Contact Our Finance Department


Tips for a Smoother Road 

  • Build a Strong Business Case: Showcase your business's stability and potential for repaying the loan. 

  • Consider Collateral: Offering collateral, like the truck itself, can significantly improve your chances of securing financing. 

  • Aim for a Larger Down Payment: A substantial down payment demonstrates your commitment and reduces the loan amount, making you a more attractive borrower. 

  • Do Your Homework: Compare offers from different lenders to find the best terms and rates that suit your business needs. When you're ready, Dirt Cheap Truck Sales offers a wide selection of heavy trucks for sale and lease that can serve many purposes for your business. 

A man using a tablet computer at a heavy job work site, potentially to calculate financing for his business with bad credit.

Dirt Cheap Truck Sales: Your Partner in the Journey 

While Dirt Cheap Truck Sales doesn't offer direct financing, we're committed to helping you find the right truck and financing solutions. Our knowledgeable team can provide guidance and connect you with potential lenders, as well as a smooth and easy pre-approval process. Visit our dealership near Tampa, FL, and let's work together to find the perfect heavy truck for your business! 

Remember, securing financing with less-than-perfect credit might require extra effort, but it's achievable. With the right approach and determination, you can overcome challenges and drive your business forward. 

Let's get you on the road to success! 


Interested in Used Heavy Commercial Trucks near Tampa?


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2011 Mack LEU613 28 Yard Heil Side Loader Garbage Truck
2011 Mack LEU613 28 Yard Heil Side Loader Garbage Truck
Tampa, FL, 325 HP Mack MP7, 28 Yard Heil Side Loader Garbage Truck, Automatic, # 109783
Mileage 97,892
Engine 325 HP Mack MP7
Price
$79,900
DetailsShow selling price
2013 Mack LEU613 25 yd McNeilus Rear Loader Garbage Truck
2013 Mack LEU613 25 yd McNeilus Rear Loader Garbage Truck
Tampa, FL, 350 hp Mack MP7, 25 yd McNeilus Rear Loader Garbage Truck, Automatic, # 107578
Mileage 73,748
Engine 350 hp Mack MP7
Price
$89,900
DetailsShow selling price
2013 Mack LEU613 25 yd McNeilus Rear Loader
2013 Mack LEU613 25 yd McNeilus Rear Loader
Tampa, FL, 350 hp Mack MP7, 25 yd McNeilus Rear Loader, Automatic, # 107599
Mileage 74,549
Engine 350 hp Mack MP7
Price
$89,900
DetailsShow selling price
2017 CCC LET2 25 Yard Heil Dura Pack 5000 Rear Loader Garbage Truck
2017 CCC LET2 25 Yard Heil Dura Pack 5000 Rear Loader Garbage Truck
Tampa, FL, 330 hp Cummins ISL, 25 Yard Heil Dura Pack 5000 Rear Loader Garbage Truck, Automatic, # 109819
Mileage 72,093
Engine 330 hp Cummins ISL
Price
$89,975
DetailsShow selling price
2017 CCC LET2 25 Yard Heil Dura Pack 5000 Rear Loader Garbage Truck
2017 CCC LET2 25 Yard Heil Dura Pack 5000 Rear Loader Garbage Truck
Tampa, FL, 330 hp Cummins ISL, 25 Yard Heil Dura Pack 5000 Rear Loader Garbage Truck, Automatic, # 109820
Mileage 91,006
Engine 330 hp Cummins ISL
Price
$89,975
DetailsShow selling price
2017 CCC LET2 25 Yard Heil Dura Pack 5000 rear Loader Garbage Truck
2017 CCC LET2 25 Yard Heil Dura Pack 5000 rear Loader Garbage Truck
Tampa, FL, 330 hp Cummins L9, 25 Yard Heil Dura Pack 5000 rear Loader Garbage Truck, Automatic, # 109809
Mileage 96,869
Engine 330 hp Cummins L9
Price
$89,975
DetailsShow selling price
2017 CCC LET 2 25 Yard Heil Dura Pack 5000 Rear Loader Garbage Truck
2017 CCC LET 2 25 Yard Heil Dura Pack 5000 Rear Loader Garbage Truck
Tampa, FL, 330 hp Cummins ISL, 25 Yard Heil Dura Pack 5000 Rear Loader Garbage Truck, Automatic, # 109812
Mileage 90,022
Engine 330 hp Cummins ISL
Price
$89,975
DetailsShow selling price
2017 CCC LET2 25 Yard Heil Dura pack 5000 Rear Loader Garbage Truck
2017 CCC LET2 25 Yard Heil Dura pack 5000 Rear Loader Garbage Truck
Tampa, FL, 330 hp Cummins ISL, 25 Yard Heil Dura pack 5000 Rear Loader Garbage Truck, Automatic, # 109833
Mileage 1
Engine 330 hp Cummins ISL
Price
$89,975
DetailsShow selling price
2017 CCC LET2 25 Yard Heil Dura Pack 5000 Rear Loader Garbage Truck
2017 CCC LET2 25 Yard Heil Dura Pack 5000 Rear Loader Garbage Truck
Tampa, FL, 330 hp Cummins ISL, 25 Yard Heil Dura Pack 5000 Rear Loader Garbage Truck, Automatic, # 109810
Mileage 95,803
Engine 330 hp Cummins ISL
Price
$89,975
DetailsShow selling price
2017 CCC LET2 25 Yard Heil Dura Pack 5000 Rear Loader Garbage Truck
2017 CCC LET2 25 Yard Heil Dura Pack 5000 Rear Loader Garbage Truck
Tampa, FL, 330 hp Cummins ISL, 25 Yard Heil Dura Pack 5000 Rear Loader Garbage Truck, Automatic, # 109818
Mileage 72,416
Engine 330 hp Cummins ISL
Price
$89,975
DetailsShow selling price
2016 Isuzu NRR 8 yard New Way Rear Loader Garbage Truck
2016 Isuzu NRR 8 yard New Way Rear Loader Garbage Truck
Tampa, FL, 210 hp 4HK1TC Isuzu, 8 yard New Way Rear Loader Garbage Truck, Automatic, # 108721
Mileage 77,293
Engine 210 hp 4HK1TC Isuzu
Price
$94,975
DetailsShow selling price
2014 Mack LEU613 30 yd. Heil Side Loader Garbage Truck
2014 Mack LEU613 30 yd. Heil Side Loader Garbage Truck
Tampa, FL, 350 h.p. Mack MP7, 30 yd. Heil Side Loader Garbage Truck, Automatic, # 108369
Mileage 100,874
Engine 350 h.p. Mack MP7
Price
$99,900
DetailsShow selling price
2014 Mack LEU613 30 yd. Heil Multi-pack Side/Rear Loader
2014 Mack LEU613 30 yd. Heil Multi-pack Side/Rear Loader
Tampa, FL, 350 h.p. Mack MP7, 30 yd. Heil Multi-pack Side/Rear Loader, Automatic, # 108377
Mileage 98,054
Engine 350 h.p. Mack MP7
Price
$99,900
DetailsShow selling price
2016 Freightliner 108SD 20 yard New Way Rear Loader
2016 Freightliner 108SD 20 yard New Way Rear Loader
Tampa, FL, 300 hp Cummins ISL, 20 yard New Way Rear Loader, Automatic, # 108986
Mileage 91,304
Engine 300 hp Cummins ISL
Price
$99,900
DetailsShow selling price
2013 Mack MRU613 25 yd EZ Pack Rear Loader Garbage Truck
2013 Mack MRU613 25 yd EZ Pack Rear Loader Garbage Truck
Tampa, FL, 350 hp Mack MP7, 25 yd EZ Pack Rear Loader Garbage Truck, Automatic, # 108438
Mileage 70,967
Engine 350 hp Mack MP7
Price
$99,900
DetailsShow selling price

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