Garbage Trucks Financing
Direct answer
RCR International Finance LLC finances new and used garbage trucks for waste haulers and roll-off operators. Front-loaders, rear-loaders, side-loaders, and roll-off trucks collect and transport waste, and these specialized units can be funded through an equipment loan or lease secured by the truck. Eligible units, term length, and any down payment are subject to underwriting and approval based on the business and the equipment quote.
8-12 years
Typical useful life
New & used
What's financed
Loan / lease
Both available
The asset
Secured by
Subject to underwriting and approval.
Reviewed by the RCR International Finance LLC team
Commercial finance specialists · Last reviewed January 2026
Written to reflect how garbage trucks financing actually works and checked against our editorial & compliance standards.
?Quick answer
RCR International Finance LLC finances new and used garbage trucks for waste haulers and roll-off operators. Front-loaders, rear-loaders, side-loaders, and roll-off trucks collect and transport waste, and these specialized units can be funded through an equipment loan or lease secured by the truck. Eligible units, term length, and any down payment are subject to underwriting and approval based on the business and the equipment quote.
Plan ahead
Estimate your payment
Model a monthly payment for garbage trucks before you apply.
Open the estimatorWhat garbage trucks you can finance
A representative sample of eligible assets in this category.
- McNeilus rear and front loaders
- Heil automated side-loaders
- Labrie rear-loaders
- New Way side and rear loaders
- Galbreath roll-off hoists
- Mack LR and TerraPro refuse chassis
- Peterbilt 520 refuse chassis
Financing garbage trucks: the basics
RCR International Finance LLC arranges garbage trucks financing for businesses acquiring commercial trucks. Because the asset secures the deal, garbage trucks is one of the more accessible commercial structures, and it keeps working capital free for payroll, materials, and growth. Subject to underwriting and approval.
New garbage trucks typically support longer terms and full warranty coverage on chassis and refuse body, which suits haulers with steady routes. Used refuse trucks are financed and evaluated on mileage, packer and hydraulic condition, and body wear, with terms tied to remaining useful life. Both are subject to underwriting and approval.
A loan builds ownership in a heavy-duty truck waste operators keep for years. A lease can lower upfront cost on a major purchase and support fleet rotation. The right structure depends on route volume, cash flow, and tax planning.
Loan vs lease: which fits this asset?
Both options finance garbage trucks, the right choice depends on how long you keep the asset and whether ownership or lower payments matters more.
Equipment Loan
Build ownership
- You own the equipment outright at the end of the term
- Builds equity in the asset as you pay it down
- Best for equipment with a long, productive useful life
- Payments are typically higher than a comparable lease
Equipment Lease
Lower payments, flexibility
- Lower monthly payments to preserve cash flow
- Flexibility to upgrade, renew, or return at term end
- Best for assets you replace or upgrade often
- End-of-term purchase options may be available
Soft costs you can often include
Financing frequently covers more than the sticker price, so the asset is working from day one.
Freight and delivery of the completed truck
Roll freight and delivery of the completed truck into the financed amount where the structure allows.
Refuse body, packer, and arm upfit
Roll refuse body, packer, and arm upfit into the financed amount where the structure allows.
Cart tippers and roll-off hoists
Roll cart tippers and roll-off hoists into the financed amount where the structure allows.
Applicable sales and use taxes
Roll applicable sales and use taxes into the financed amount where the structure allows.
Decals, lettering, and DOT compliance items
Roll decals, lettering, and dot compliance items into the financed amount where the structure allows.
How equipment financing works
Select equipment
Identify the garbage trucks and obtain a vendor quote with specifications.
Apply
Submit the quote with recent bank statements so underwriting can assess the asset and cash flow.
Loan or lease
Choose an ownership-building loan or a lower-payment lease, subject to approval.
Vendor payment
On approval, financing pays the vendor and you take delivery.
Documents to finance garbage trucks
- Signed equipment quote or invoice from the dealer or upfitter
- Three to six months of recent business bank statements
- Most recent business tax return
- Truck specifications including year, make, model, mileage, and body type
- Commercial driver's license information
- Completed credit application
All financing is subject to underwriting and approval. Program availability may vary, and documentation requirements depend on the financing structure.
Industries that finance garbage trucks
Key takeaways
- Garbage Trucks can be financed new or used, with the equipment itself serving as collateral.
- Choose a loan to build ownership or a lease for lower payments and flexibility.
- Soft costs such as freight and delivery of the completed truck and refuse body, packer, and arm upfit can often be rolled into the financed amount.
- Financing is subject to underwriting and approval; RCR International Finance LLC does not guarantee rates or approval.
Proven Track Record
$566M+ funded across 78+ real closings
Results over claims. See genuine, closed equipment transactions, anonymized by business type, that RCR International Finance LLC has funded.
Finance garbage trucks for your business
RCR International Finance LLC can help you compare loan and lease options for garbage trucks.
All financing is subject to underwriting and approval. Program availability may vary, and documentation requirements depend on the financing structure.
Related financing
Garbage Trucks financing FAQs
- Can the refuse body be financed with the chassis?
- Yes. When the chassis and refuse body are upfitted together on one quote, they can usually be financed as a single unit, subject to underwriting.
- Do you finance roll-off and front-loader trucks?
- Yes. Front-loaders, rear-loaders, side-loaders, and roll-off trucks are all commonly financed. Each is evaluated on the asset and the business, subject to approval.
- Are used garbage trucks eligible?
- Yes. Used refuse trucks are valued on mileage, packer and hydraulic condition, and body wear, with term length set to the remaining useful life, subject to underwriting.
- What documents are required?
- Typically a signed quote or invoice, recent business bank statements, a business tax return, truck specifications, CDL information, and a credit application. Final requirements depend on the deal.
Important disclosure
All financing is subject to underwriting and approval. Program availability may vary, and documentation requirements depend on the financing structure.
RCR International Finance LLC does not guarantee approval, rates, or funding amounts. Terms are determined case by case after review.