VACUUM & HYDRO EXCAVATION TRUCKS
Vacuum truck and hydro excavation truck financing
A vacuum truck is one of the most expensive vehicles a contractor will ever buy and one of the most reliably billed. Utility locating, sewer cleaning, industrial cleaning and septic pumping are all charged by the hour or the load, and the truck runs every day it is not in the shop. Financing spreads the purchase across the hours it bills.
What we finance
New or used, from any vendor, dealer or auction. Named manufacturers are examples of what this covers, not a limit — if what you need is not on this list, ask.
- Hydro excavation trucks — Vactor HXX and Prodigy, Vac-Con X-Cavator, Super Products Mud Dog, Ramvac
- Combination sewer cleaners — Vactor 2100i, Vac-Con V series, Sewer Equipment RAMJET
- Industrial vacuum loaders — Guzzler, Super Products Supersucker, wet and dry
- Air excavation and vacuum excavation units — Vermeer VXT, Ditch Witch, trailer and truck mounted
- Liquid vacuum and septic pumper trucks with steel and aluminium tanks
- Jetter trucks and trailer jetters for drain and sewer contractors
- Portable restroom service trucks and slide-in vacuum units
- Chassis — Freightliner M2 and 114SD, Peterbilt 348 and 567, Kenworth T880, Western Star 47X
- Water heaters, boilers, hose reels and debris body options
- Used and reconditioned vacuum trucks with current tank inspection
- Cameras, locators and CCTV inspection vans on the same agreement
- Fleet expansions for utility, environmental and municipal contractors
Why lease it
01
The truck bills by the hour from day one
A hydro excavator on a utility contract is invoiced by the hour and a septic truck by the load. A lease with a five to seven year term and a fixed monthly payment matches the cost of the truck to the revenue it earns, and the first month's billing usually covers the first payment.
02
Finance a specialised truck without a bank's questions
Banks struggle with a vehicle that is half truck and half industrial machine. We finance vacuum trucks every month, know the builders and the chassis, and approve the whole unit, chassis and body together, on one application.
03
Deduct the truck the year it is delivered
Vacuum trucks and hydro excavators are Section 179 property. Buy on a $1 buyout lease or an equipment finance agreement and the whole unit can be expensed in the year it goes into service, subject to your own tax position and your CPA's advice.
FREE QUOTE
Get a custom quote in minutes
Tell us what equipment you need — from any list above, or something that is not on one. An ACG specialist follows up, typically within 24 hours, with options built around your business.
Business equipment financing. $10,000 minimum. We do not finance personal or household purchases.
- — NO OBLIGATION, NO HARD CREDIT PULL
- — NEW OR USED, ANY VENDOR
- — OR CALL (949) 271-5800
Three steps to your equipment
01
Request a quote
Use the form above or call (949) 271-5800. No obligation and no hard credit pull to get a number.
02
Secure approval and sign
Most decisions come back the same day. Documents are signed online.
03
Order your equipment
We deal with the vendor directly — payment, inspection and delivery — so you can keep running the business.
Questions operators ask before financing a vacuum truck
Can I finance a hydro excavation truck or a vacuum truck?
Yes. Vacuum truck financing from American Capital Group covers Vactor, Vac-Con, Guzzler, Super Products, Ramvac and Vermeer hydro excavators, combination sewer cleaners, industrial vacuum loaders, septic and liquid vacuum trucks and jetter trucks, new or used, for utility locating, excavation, environmental, sewer, septic and industrial cleaning contractors. Smaller units are approved on an application alone, with no financial statements up to $150,000, and full-size hydro excavators are quoted on a short financial package.
How much does it cost to lease a vac truck?
The payment depends on the truck, its age, the term and the end of term option you choose. A used septic pumper on a four year lease is a very different agreement from a new twelve-yard hydro excavator on a tandem chassis over seven years, so send the builder's quote through the form on this page and we return real numbers, usually the same business day.
Can I finance a used vacuum truck or hydro excavator?
Yes. Used vacuum trucks from a dealer, a rental fleet, an auction or another contractor qualify, subject to age, mileage, hours and a current tank and boom inspection. We pay the seller directly once the truck is inspected and the agreement is signed.
Can a new excavation or septic company finance its first truck?
Yes. An operator starting a hydro excavation or septic company with a contract in hand can finance the first truck against personal credit, industry experience and the contract. We fund start-up contractors regularly, and the first payment can be set after the truck is delivered and working.
Know what you need?
An application takes a few minutes and most decisions come back the same day. If you would rather see a payment first, the calculator gives you a range without asking for anything.