What dump trucks does TAC finance?

Single-axle, tandem-axle, tri-axle, quad-axle, and super-dumps. Mack, Peterbilt, Kenworth, Freightliner, Western Star, International, Volvo. Both new and used — we're brand-agnostic. Also: end-dump and bottom-dump trailers, dump trailers, and dump bodies upfitted onto existing chassis.

Do you finance used dump trucks from a private seller?

Yes. Used-equipment deals from a private seller are common in our portfolio — we coordinate title transfer, lien filing, and bill of sale.

Can I finance a dump truck as a startup owner-operator?

Yes. Startup dump-truck operations are a TAC specialty. Strong personal credit and 20-25% down typically gets a first truck deal done for an experienced driver going independent. Prior CDL experience and a clear plan (dedicated hauling contract, construction relationships) help. Many of our dump-truck clients are former employees buying their first truck.

What's the typical dump truck financing amount?

Most TAC dump truck deals fall between $40,000 and $200,000. Used single-axles typically $40K–$80K; used tandems $60K–$120K; tri-axles and super-dumps $90K–$180K; new tri-axles $200K+. We also finance dump bodies and trailers separately if you're upfitting an existing chassis.

Can you fund tri-axle and super-dump configurations?

Yes. Tri-axle dumps, quad-axles, and super-dumps with lift axles are all financeable — new or used. Aggregate haulers and asphalt haulers running tri-axles are a regular customer profile. We understand the spec differences and which states allow which weight configurations.

Found the dump truck you want? Get pre-approved before you sign.

22 years funding dump trucks. Single-axle through super-dump. Mack, Peterbilt, Kenworth, Freightliner — brand-agnostic, used welcome. Most of our dump-truck calls are from operators who've already found the truck and want to walk in pre-approved instead of stuck in the dealer's queue. One application, programs across every credit tier, real person on the phone.

Pre-Qualify in 60 Seconds Call: (801) 332-9756

What we finance

Single-axle dumps — Class 7 and 8 conventional cabs, typical 6-10 yard capacity. Common for small-job hauling, landscaping, and local construction.
Tandem-axle dumps — the workhorse of construction hauling. 14-18 yard capacity, Mack Granite, Peterbilt 567, Kenworth T880, Freightliner 122SD.
Tri-axle, quad-axle, and super-dumps — aggregate haulers, asphalt haulers, heavy-haul construction. Lift axles, pusher axles, tag axles — we understand the spec and the weight rules state to state.
Dump bodies and trailers — pup trailers, end-dump trailers, bottom-dump aggregate trailers, dump body upfits onto an existing chassis.

Who we fund

Operators who've found the truck. Whether it's at a dealer or already lined up through your network — pre-approval in 24 hours so you negotiate from a position of strength.
Established hauling companies adding capacity. Second, third, or tenth truck on a fleet. Recurring revenue and operating history make these the cleanest deals on our desk.
Startup owner-operators with CDL and driving experience. First truck for a former employee going independent. Usually 20-25% down on a used truck.
Construction contractors bringing hauling in-house instead of subcontracting. Dirt contractors, paving contractors, demolition operations.

What a typical dump-truck deal looks like

The cleanest dump-truck deals on our desk follow a pattern: experienced driver or established small hauler, two-plus years operating history, a specific used truck identified (often a 2018-2022 Mack Granite or Pete 567 tandem at 300,000-700,000 miles), credit that's grown alongside the business, and a clear use — adding capacity to a construction-hauling operation or starting an independent owner-operator route.

That profile gets bounced at most banks for one of three reasons: under 3 years in business, used equipment, or the bank doesn't have a vocational-truck program at all. The dealer's finance company often won't touch used trucks outside their age and mileage limits. We look at the same file and see a credit-worthy operator with real revenue and a clear need for the truck.

When the deal closes, it's the program-network model doing the work: one application, the right program identified in 24 hours, soft credit pull only, title and lien work coordinated by us, wire to the seller (or dealer) the same week.

If your operation looks like that — established, expanding, or independent owner-operator — call us. We have programs built for exactly that profile.

Why TAC vs. one bank or the dealer's finance company

Most dump-truck buyers take the deal to their business bank first and get rejected for used, or under-3-years TIB. Then they try the dealer's finance company (PACCAR Financial, Daimler Truck Financial, Volvo Financial) and get rejected for not buying brand-new from that specific dealer. Each rejection is another hard credit pull, another week lost, and another seller losing patience. TAC fixes that: one application, programs across every credit tier, soft credit pull, and the right fit identified in 24 hours.

Trust Alliance Capital is a Kaysville, Utah-based, BBB A+ rated commercial equipment finance company, family-owned since 2004 — same family, same office, same phone number for 22 years. The person who picks up the phone at (801) 332-9756 is the same person who'll work your file through to funding.

Ready to talk about the truck you're buying?

Call (801) 332-9756 · Pre-qualify in 60 seconds

Tell us about the dump truck you're buying.

Three minutes on the phone and you'll know what your deal looks like.

What our customers say

Real reviews from operators we've funded. Verified five-star reviews from our public profile.

★★★★★
“Spencer and Trust Alliance Capital helped me get financed for my first semi truck as a startup owner-operator when no one else would. The process was smooth and Spencer was always available to answer my questions. I would highly recommend them to anyone looking for commercial truck financing.”
— Bobby · Owner-Operator · worked with Spencer

★★★★★
“My experience with Trust Alliance Capital was great. If I could I would give them 10 stars. Took a week to get my deal done, got approved in one day, found my truck over the weekend and I just signed my paperwork yesterday. Thanks to Spencer and his assistant Kathleen — you need finance, Trust Alliance Capital is who I would recommend. They made it happen. Thanks again.”
— Diante C. · worked with Spencer

Dump Truck financing in every state

Same lender panel, same structures, applied to local market conditions. Click your state for industry context, equipment mix, and recent deal examples.