Built for Specialized Fleet Vehicle Sellers
Truck Dealers · Body Builders & Upfitters · Manufacturers · Distributors · Sweeper & Vacuum Truck Dealers · Specialty Vehicle Sellers
Sell More Work Trucks with Financing Built for the Job They Do.
From dump trucks and service bodies to vacuum trucks, sweepers, water trucks and bucket trucks, FPG helps your sales team put a monthly payment in front of buyers before the price of a finished build stalls the deal.
A specialized truck is chassis, body and equipment in one, and the total can climb fast. Financing the complete build lets a buyer put the truck to work on the contracts it was bought for while keeping cash available for drivers, fuel and maintenance.
Start your specialized fleet vehicle financing program
Tell us what equipment you sell and how your sales team works with customers. We’ll build the program around your sales process.
A real person from our partnership team will reach out directly.
Built to Keep Equipment Sales MovingFastResponsive support helps your sales team maintain momentum when customers are ready to move. Direct & 25+FPG is a direct lender with access to 25+ strategic funding partners, giving your team more ways to structure qualifying opportunities. FlexibleDifferent equipment, customers and operating cycles call for different approaches. DedicatedReal people who understand hard assets, equipment sales and the importance of keeping the process moving.
Financing that keeps pace with equipment-driven businesses
When a contractor adds trucks for a new contract, a fleet replaces aging units or a municipality updates its fleet, your team needs a financing partner that is available and ready to help.
The Specialized Fleet Vehicle Seller Perspective
Your customer needs the truck to win and work the contract.
For contractors, haulers, service companies and municipalities, a specialized truck is tied directly to the work it performs. A new dump truck, vacuum truck or sweeper can open contracts the business could not take on before, and an aging unit can cost the contracts it already has.
That makes financing a practical sales tool, not just a response when price becomes a problem.
Finance the complete build
Help customers finance the chassis, body and mounted equipment together rather than paying for the upfit in cash.
Equip for the next contract
Give buyers a way to add the trucks a new contract requires without waiting on a capital budget.
Preserve business cash
Help customers keep capital available for payroll, materials, insurance and other operating priorities.
Keep the fleet order whole
Finance multiple trucks in one transaction so a fleet addition is not cut back to fit a cash budget.
Equipment We Finance
Built around the trucks that do the work
FPG finances specialized fleet vehicles from a single dump truck to a multi-unit fleet order. We underwrite the buyer and understand that chassis, body, mounted equipment, mileage, condition and resale value can all influence how a transaction should be structured.
Dump TrucksSingle, tandem and tri-axle dump trucks and dump bodies for construction, excavation and landscaping fleets.
Service & Mechanics TrucksCrane-body service trucks, mechanics trucks, lube trucks and fuel and service rigs.
Vacuum & Septic TrucksHydrovac and vacuum excavation trucks, liquid waste haulers, septic and portable restroom service trucks.
Street SweepersMechanical broom, regenerative air and vacuum sweepers for municipalities and contract sweeping.
Flatbed, Rollback & Tow TrucksFlatbeds, rollback carriers, tilt-deck transport trucks and towing and recovery units.
Water & Tank TrucksWater trucks, dust suppression tankers and liquid transport vehicles for jobsites and industrial work.
Boom, Bucket & Digger TrucksAerial service trucks, utility bucket trucks, digger derricks and line service vehicles.
Mixers, Refuse & Custom BuildsConcrete mixers, refuse trucks and custom vocational builds, including used and fleet units.
Selling a multi-truck fleet order, a chassis with a custom body and equipment or trucks for a municipal or service contract? FPG can structure financing around the whole order rather than one unit at a time.
Why Specialized Fleet Vehicle Sellers Use FPG
One financing relationship. More ways to get the deal done.
FPG combines direct lending, in-house underwriting and a network of strategic funding partners. That gives your sales team more flexibility without forcing them to manage multiple lender relationships on every opportunity.
More flexibility without more complexity
- Direct lending plus access to 25+ strategic funding partners
- Structures for A, B and C credit profiles, including growing contractors
- Application-only approvals up to $350,000
- Support for single trucks, fleet orders and complete chassis-and-body builds
- A named finance team that works directly with your sales reps
People who understand the equipment and the sale
Specialized truck deals are not generic business financing. A build combines chassis, body and equipment, units are often bought for a specific contract, and buyers range from owner-operators to municipal and utility fleets. FPG’s team works with sellers and buyers to structure the transaction around the equipment and the work it will do.
More than capital. A true partnership.
Your FPG specialized fleet vehicle finance team
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Jon McBrideSVP, Growth & Strategic Partnerships — Hard Assets
Casey GoodellVP, Strategic Sales & Partner Development
Kristopher TozierVP, Strategic Sales & Partner Development
Flexible Structures
Financing that can adapt to how your customers work
Equipment Finance Agreements
Traditional structures for customers that want predictable payments and ownership economics.
Purchase Options
Fixed-term structures designed for customers who intend to own the equipment at the end of the term.
Residual Structures
Options that can reduce scheduled payments when a residual value makes sense for the asset and transaction.
Contract-Aligned Terms
Terms that can be set against the length of the service, hauling or municipal contract the truck was bought to work.
Deferred Payments
Structures that can help a qualifying customer put a truck to work on a new contract before regular payments begin.
Seasonal & Step Payments
Payment structures that may better align with construction seasons or the ramp-up of a new contract.
Chassis, Body & Upfit
The chassis, body and mounted equipment financed together as one complete build in a single transaction.
New & Used Equipment
Financing for qualifying new and pre-owned trucks, including fleet and remanufactured units.
Availability of each structure depends on the equipment, the customer and credit approval.
How It Works
From equipment quote to financed sale
1
Quote the Equipment
Your rep builds the proposal around the chassis, body, equipment and number of trucks the customer needs.
2
Present Financing
Introduce financing while the customer is evaluating the equipment—not after price becomes an obstacle.
3
Customer Applies
The customer completes the financing application.
4
FPG Reviews the Opportunity
We evaluate the customer, equipment and transaction and determine available financing structures.
5
Documentation Moves Forward
FPG coordinates the financing documentation and keeps the parties informed.
6
Sell the Next Truck
Your team returns its attention to customers, equipment and the next opportunity.
Your sales team sells trucks. FPG helps handle the financing behind them.
Program Capabilities
Give your reps the tools to introduce financing with confidence
Custom Program Design
A financing approach built around your equipment and sales process.
You getA program tailored to the way your team sells.
Your reps getSimple guidance for introducing financing.
Co-Branded Financing Assets
Financing materials developed to support your brand and customers.
You getCampaign and sales-support resources.
Your reps getReady-to-use content for customer conversations.
Sales & Quote Tools
Resources that support monthly-payment selling.
You getFinancing that fits more naturally into your sales motion.
Your reps getAn easier transition from equipment price to payment.
Ongoing Enablement
Continued access to an experienced financing team.
You getSupport across program and opportunity needs.
Your reps getSomeone to call when the opportunity needs extra attention.
Payment-Based Selling
Help customers connect the payment to the contracts the truck can work.
For contractors, haulers and service companies, a specialized truck is tied directly to the routes and contracts it can take on. A monthly payment gives customers a clear way to weigh the build against that revenue, while preserving cash for drivers, fuel and day-to-day operations.
| Equipment Investment | 36 Months | 48 Months | 60 Months | 72 Months |
|---|---|---|---|---|
| $125,000Rollback or flatbed truck, service body truck or a used dump truck | $3,946 | $3,081 | $2,565 | $2,223 |
| $250,000New tandem dump truck, water truck or bucket truck with body and equipment | $7,893 | $6,163 | $5,130 | $4,445 |
| $500,000Hydrovac truck, street sweeper or a multi-truck fleet order | $15,785 | $12,325 | $10,260 | $8,890 |
Illustrative estimates only. Rates, terms and structures are subject to credit approval and may vary.
Specialized Fleet Vehicle Financing FAQ
Questions equipment sellers ask
Why should our sales team introduce financing before a customer objects to price?
Presenting a monthly payment with the quote lets the customer weigh the truck against the contracts it can work before the total price of the build becomes the main obstacle.
Can the chassis, body and equipment be financed together?
Yes. The chassis, body and mounted equipment can be financed as one complete build in a single transaction, subject to credit approval.
Can several trucks be financed in one transaction?
Yes. Multi-truck fleet additions can be financed together under a single transaction, which keeps paperwork and payments simple for the buyer.
Can terms line up with a service or municipal contract?
Often, yes. Terms can be set against the length of the contract the truck was bought to work, and deferred or seasonal structures may be available. Availability depends on the transaction and credit approval.
Do you finance used and remanufactured trucks?
Yes. FPG finances new and qualifying used trucks, including fleet and remanufactured units. Age, mileage, condition and resale value typically affect the term rather than eligibility.
How fast are decisions?
Most credit decisions come back in two to four hours. Larger fleet orders, unusual structures or more complex credit situations can require additional review.
What happens when a deal does not fit FPG’s direct-lending box?
FPG also works with 25+ strategic funding partners. That gives the team additional ways to structure qualifying transactions without forcing the seller to manage separate lender relationships.
When does the seller get paid?
FPG funds your company in full on delivery and acceptance. The purchaser pays FPG based on the agreed terms. You receive payment, and FPG manages the financing from there.
Looking for working capital?
Working capital is a separate FPG product from equipment financing. Learn about FPG working capital
Vendor Partner Result
Financing support that helps create more sales opportunities
30%reported increase in pipeline
“FPG has been instrumental in driving opportunities in our pipeline. Their strategic insights and tailored solutions increased our pipeline by 30%.”— FPG Client | Vendor Partner
The value is not just access to capital. It is giving the sales team another tool to keep an opportunity moving when price, payment structure or credit flexibility could otherwise shrink the order or leave an aging truck running another season.
Build Your Financing Program
Help your customers put the right truck to work.
Whether you sell dump trucks, service bodies, vacuum trucks, sweepers or custom builds, FPG can help you build a financing program that supports your sales team and gives buyers more ways to move forward.
Real people. Real expertise. Real growth.
Start your specialized fleet vehicle financing program
All financing is subject to credit approval. Terms and structures vary based on the customer and transaction. Payment examples shown on this page are illustrative and are not an offer or commitment to lend.