Charabanc Financial
Industries / Transportation / Tow Truck Financing
For Towing & Recovery Operators

Tow Truck Financing for Any Size Truck.

Financing for commercial tow trucks, wreckers and rollbacks, light-duty to heavy-duty, for trucks generally under 10 years old. We work across a wide credit window and can structure payments around your season.

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Any Size
Light-duty to heavy-duty
Under 10 Yrs
Typical truck age
A+ to C
Wide credit approval window
Since 2002
Commercial vehicle financing
Why Charabanc

Financing Built for Towing Operators

Towing and recovery operators need trucks that are ready when the call comes in. Charabanc has financed commercial vehicles since 2002, and we finance tow trucks of every size, from a single rollback to a fleet of heavy wreckers.

Any Size Truck

Light-, medium- and heavy-duty trucks for towing and recovery work.

  • Wreckers, rollbacks & rotators
  • Single trucks or fleet orders
  • Trucks generally under 10 years old

Payments That Fit

Structures built around how your towing revenue comes in.

  • 100% financing available
  • 90-day deferred payment options
  • Seasonal payment options

Loan or Lease

Pick the structure that fits your tax position and plans for the truck.

  • Equipment loans
  • TRAC, capital & operating leases
  • Start-up underwriting with good credit
What We Finance

Tow Trucks for Every Job

Light-Duty WreckersCars and light trucks
Rollbacks & Car CarriersFlatbed towing
Medium-Duty WreckersBox trucks and vans
Heavy-Duty WreckersSemis, buses and RVs
RotatorsHeavy recovery
Integrated WreckersSelf-loading units
Fleet AdditionsAdd or replace multiple trucks
RefinancingTrucks you already own
How It Works

Three Steps to Your Next Truck

Apply

Download a credit application. Smaller requests can go application-only: the application, recent bank statements, and a short company overview.

Get a Decision

Application-only requests up to $750,000 can be approved within a few hours. Larger deals are structured with full financials.

Hit the Road

We structure payments around your calendar, including seasonal skips and 90-day deferred payment options.

Questions

Tow Truck Financing FAQ

Do you finance tow trucks?
Yes. We finance commercial tow trucks, wreckers and rollbacks, from a single truck to a fleet order.
What size tow trucks do you finance?
Any size: light-duty wreckers and rollbacks through medium- and heavy-duty wreckers and rotators.
How old can the truck be?
Generally under 10 years old. Older trucks are much harder for lenders to finance, so call us first if yours is older.
What credit do I need to finance a tow truck?
We work across a wide credit window, from A+ to C, and can underwrite start-up operators who have good personal credit.
Can my payments follow a slow season?
Yes. Seasonal payment structures let you skip up to three consecutive payments each year, and 90-day deferred payment options are also available.
Loan or TRAC lease: which is better for a tow truck?
It depends on your tax position and how long you plan to run the truck. A loan builds equity from day one; a TRAC lease sets a residual value up front, which usually means a lower monthly payment. See the side-by-side comparison on our motorcoach financing page, and confirm tax treatment with your accountant.
What do I need to apply?
Smaller requests can go application-only: a credit application, recent bank statements, and a short company overview. Larger requests use our full-financials application. Both are on our Resources page.

Ready to Finance Your Next Tow Truck?

Send us an application or give us a call. We’ll lay out your options.

Download a Credit Application Contact Us
Or call us at 706-460-5231