Septic, vacuum, and pumper truck financing — from a first residential route to a Permian Basin frac-water fleet.
Residential septic pumpers, portable toilet service trucks, industrial vacuum tankers, oilfield frac-water transport tankers, grease-trap pumpers. 22 years funding this niche — startup operators come to us because we know how to structure a thin-business-credit deal, and established small fleets bidding into oilfield or industrial contracts come to us for the speed on high-ticket trucks. Either way, a real person picks up the phone.
A real person answers the phone. In about three minutes you'll know if we can help.
What we finance
From a 2,500-gallon residential pumper to a Permian Basin 200-barrel frac-water tanker. New, used, single trucks or fleet expansions, from any dealer or upfitter.
Residential Septic Pumpers
Imperial Industries, Progress Vactor, Keith Huber, Lely Manufacturing. 2,500–4,500 gallon tanks on Freightliner, International, or Peterbilt chassis. Bread-and-butter residential route work.
Portable Toilet Service Trucks
Imperial, FlowMark, Satellite Industries upfits with slide-in tanks and lift gates. Plus portable-toilet inventory and delivery trailers — the full setup in one deal.
Industrial Vacuum Tankers
Vactor 2100i, Vac-Con, Sewer Equipment, Super Products Mud Dog. Combination sewer cleaners and industrial wet/dry vacuums for plant, refinery, and municipal cleaning contracts.
Oilfield Frac-Water Tankers
Dragon, Stallion, Hi-Vac spec'd units. 100-200 barrel capacity. Permian Basin, Bakken, Marcellus, SCOOP/STACK, Uintah Basin operators. High-ticket specialty trucks ($150K-$350K).
Grease-Trap Pumpers
Restaurant grease-trap and FOG (fats, oils, grease) recovery trucks. Smaller specialized vacuum units serving food-service routes.
Startup Package Deals
Truck plus portable-toilet inventory plus delivery trailer in one transaction. One application, one credit decision. The package approach funds startups that couldn't get equipment piece-by-piece.
Thin business credit, real route — exactly the deal banks fumble
The most common septic financing scenario in our pipeline: a driver or technician with 5, 8, 12 years working someone else's pumper truck — and now they're ready to go independent with their own route. The truck is picked. The first contracts are signed. The insurance is quoted.
Then the bank pulls up a 90-day-old EIN and a single business bank statement and declines. The dealer's finance company runs the same playbook. The deal stalls.
That's our business. A meaningful down payment (often 20-30%), proof of contract revenue, the personal credit profile, and the prior industry experience together build a fundable startup file. We've structured this hundreds of times.
Permian, Bakken, Marcellus — oilfield vacuum operators bid bigger trucks, we structure them
Oilfield wastewater transport and frac-water hauling are high-ticket specialty markets — a Dragon or Stallion-spec'd 200-barrel tanker runs $200K–$350K, and operators need terms that match the contract cash flow. We routinely structure deals for operators in the Permian Basin (Midland-Odessa, Carlsbad), Bakken (Williston-Watford City), Marcellus and Utica (Western PA, WV, OH), Anadarko/SCOOP/STACK (Oklahoma), and Uintah Basin (Utah).
22 years funding vacuum-truck operators across every market segment — residential, portable, industrial, and oilfield. We know what your operating environment actually looks like.
Tell us about the vacuum or septic truck you're financing.
Three minutes on the phone and you'll know what your deal looks like.
Who we fund
- Startup residential septic operators. Driver or technician going independent with a used 3,000-gallon pumper. Strong personal credit, cash for a down payment, brand-new authority. Common first deal.
- Established small operators expanding. 1-3 truck fleets adding the second pumper, the portable sanitation upfit, or the bigger industrial vacuum. App-only programs for established operators with strong credit.
- Portable sanitation contractors. Operators bidding construction-site, event, festival, sports-venue, and seasonal tourist contracts. Truck plus portable-toilet inventory package deals.
- Oilfield vacuum and frac-water operators. Permian Basin (TX/NM), Bakken (ND/MT), Marcellus and Utica (PA/WV/OH), Anadarko/SCOOP/STACK (OK), Uintah Basin (UT). High-ticket specialty trucks structured around contract cash flow.
- Industrial cleaning contractors. Operators running Vactor combination sewer cleaners and industrial wet/dry vacuums for refinery, petrochemical plant, steel mill, and municipal contracts.
- Grease-trap and FOG recovery operators. Restaurant grease-trap pumping routes plus FOG-recycling specialty work in dense food-service markets.
How we structure vacuum truck deals
- You call us or send the application. Three-minute phone diagnosis or 60-second pre-qual form.
- We underwrite your profile — credit tier, time in business, truck age and vacuum-unit hours, your work mix (residential, portable, industrial, oilfield), and what's funding today.
- We bring real terms. Not "rate starts at" marketing numbers. Down payment, monthly payment, term, and what we'd need to close.
- You sign and the truck funds. Direct to the dealer, upfitter, or private seller. DocuSign close in many cases.
From first call to funded truck, most deals close in a week or less.
Ready to talk about your vacuum or septic truck deal?
Call 208-534-8525 · A real person picks up
Or
Or apply online here