208-534-8525

Tow truck and wrecker financing.

Light-duty rollback carrier, integrated wrecker, heavy-duty rotator. Startup operations or established yards expanding. Programs for every credit tier including prior BK.

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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
Tow truck and wrecker financed by Trust Alliance Capital

First truck or fifth, new authority or established yard

Light-duty rollbacks, integrated wreckers, heavy-duty rotators, repo rigs. Older trucks in the $15K–$25K range that banks won't finance, or a new heavy-duty unit for a growing yard. We have programs for new authorities with a few months in business and for established operators adding capacity.

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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.

Ready to roll?

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Tow 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.