Tow truck and wrecker financing.

What we finance

• Light-duty rollback carriers — Jerr-Dan, Miller (Century, Vulcan, Holmes), Chevron
• Integrated wreckers — Century, Vulcan, Jerr-Dan
• Heavy-duty wreckers and rotators — NRC, Century 1075, Vulcan V100
• Repo trucks and unmarked operations — discreet financing for repo agents
• Multi-truck fleet expansions — second, third, fifth truck

Who we fund

• Startup tow operators (new authority, AAA contract pending)
• Established yards adding capacity
• Buyers of used wreckers outside the dealer's finance-company year limits
• Operators with prior BK or thin file
• Repo agents needing discreet equipment financing

What a typical first-tow-truck call looks like

Earlier this week, Josh called us. He runs a small roadside-assistance operation he started a few months ago — two service-body trucks, a gas-saver car, lockouts, tire changes, and fuel calls. He's ready to expand into towing and needs his first tow truck, $15K–$25K range, probably ten years old or older.

The file looks like a typical first-tow-truck deal: LLC formed three months ago, operating about two months. Credit in the 700s. Homeowner with a mortgage. No CDL required at this truck size — DOT card is the standard. And not a lot of cash sitting around for a large down payment.

Sub-two-year time in business is the toughest window in commercial truck financing. Most banks auto-decline. Most dealer finance companies auto-decline. We look at the same file and see a credit-worthy operator with a real existing business and a clear plan for expansion.

Three minutes on the phone, we diagnosed the deal: target 10%+ down on an older truck, get the application back, and we'd work it through a startup-tow program. Application went out the same day.

If your file looks like Josh's — newer LLC, decent credit, modest cash, expanding into towing for the first time — call us. We have programs built for exactly that profile.