Refuse trucks, street sweepers, and ambulances. Financing for the fleets that keep a city running.
An independent hauler adding a used Mack LR with a Heil body for a new commercial route. A sweeping contractor buying an Elgin or Tymco for a parking-lot and HOA book. A private ambulance company remounting two units and adding a third. Specialized vocational trucks with specialized resale markets, financed by people who have placed them before.
Who we fund
- Independent and regional waste haulers. Commercial, residential, and roll-off routes adding or replacing units.
- Sweeping and parking-lot maintenance contractors. Truck-mounted and chassis-mounted sweepers.
- Private ambulance and medical-transport companies. New units and remounts.
- Hydro-excavation, plow, and line-painting contractors. Municipal-style trucks run by private operators.
- Cities, counties, and special districts. On a tax-exempt municipal lease-purchase structure; see below.
What we finance
- Refuse and recycling trucks. Mack LR and TerraPro, Peterbilt 520, Autocar ACX, Freightliner EconicSD with Heil, McNeilus, Labrie, New Way, and Curotto-Can bodies. Front, rear, and automated side loaders, roll-off hoists.
- Street and parking-lot sweepers. Elgin, Tymco, Schwarze, Global, Johnston. Truck-mounted and chassis-mounted.
- Ambulances. Type I, II, and III from Braun, Horton, Wheeled Coach, Demers, AEV, and Road Rescue; new and remounts.
- Related equipment for private contractors. Vacuum and hydro-excavation trucks, plow and spreader trucks, line-painting trucks.
Refuse and sweeper trucks follow the vocational truck age caps, generally 8 to 10 years. Ambulances new and remounted.
Public agencies buy on a different structure
Cities, counties, fire districts, and special districts buy on a tax-exempt municipal lease-purchase with a non-appropriation clause. We place those too; the application and the paperwork are different, so call and we'll point you to the right one.
How much down
The ranges below are reference points so you know roughly where a file lands. They are not a rate sheet. We review every situation individually, and once we've seen your file we'll tell you exactly what the down payment is.
- Established business, 700+ credit, prior commercial financing paid as agreed: low or zero down is on the table.
- Established business, strong credit, first commercial financing: around 10% down.
- Established business, credit in the 600s: plan on 15% to 25%.
- New business: this equipment holds its value, so a startup with a lower score can be considered. The down payment follows the personal credit score, up to 40% for weak credit.
Every file is reviewed on its own merits. Time in business, bank statements, the specific equipment, and comparable credit all move the number. The tiers above are where files usually start, not where they have to end.
What we don't finance
- Auction purchases
- Private-seller purchases
- Glider trucks
- Repairs to existing equipment
- Refinances of current loans (cash-out refi on free-and-clear equipment only — call for details)
Frequently asked
Do you finance used refuse trucks? Yes. Fleet trade-outs from the large haulers are the most common deal: 3-to-8-year-old units with a body inspection and service records.
Can a private ambulance company finance remounts? Yes. A remount on a new chassis funds as one package through the remount shop.
Do you finance municipalities? Yes, on a tax-exempt municipal lease-purchase structure with a non-appropriation clause. Call and we'll route you to the right application.
How large a deal? Application-only approvals typically run to $250,000; multi-unit and larger packages are underwritten with financials.
How fast? Approvals in 24 to 48 hours on application-only files, funding in 3 to 5 business days from a complete application.
Ready to talk about the truck you're buying?
Tell us about the unit.
Dealer quote or fleet-sale listing, and whether you're a private operator or a public agency. Three minutes on the phone and you'll know what your deal looks like.
What our equipment 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
Refuse, sweeper and ambulance financing by state
Same programs, same vocational structures. Applied to your state's haulers, contractors, and agencies. Click your state for local context.