Tow Truck Financing
Looking to buy a tow truck and need equipment financing? CFF is the number one independently owned transportation equipment finance company in the United States — contact us to help grow your fleet.
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Trusted By Owner-Operators & Fleet Managers Since 1995
Towing operators nationwide rely on CFF for fast approvals, flexible tow truck loans and leases, and support from specialists who understand wreckers, rollbacks, and heavy recovery.
Get the Tow Trucks You Need for Your Business
Running a successful towing business starts with having the right equipment — but purchasing or leasing tow trucks is a major investment. That's where tow truck financing comes in.
Whether you're investing in the latest wrecker or rollback or building a reliable fleet, Commercial Fleet Financing offers tow truck loans, leases, and financing options built for towing operations. With decades of experience, we're a proven partner for fast approvals, competitive rates, and plans tailored to your shop. We also offer broader commercial truck fleet financing when you're ready to grow beyond a single unit.
What Kinds of Tow Trucks and Wreckers Do We Finance?
We provide tailored solutions for tow operators seeking new or used equipment — with programs designed for wreckers, rollbacks, heavy wreckers, and related gear so you can put capital to work faster.
Wrecker Tow Trucks
Versatile and powerful, light- and medium-duty wreckers recover vehicles from accidents or breakdowns and are equipped with booms, winches, and tools for diverse towing situations.
Rollback Tow Trucks
Ideal for safe vehicle transport without wear and tear, rollbacks excel at long-distance towing and moving disabled or damaged vehicles.
Heavy Wreckers
The go-to choice for heavy-duty towing — handling large vehicles like buses, semis, and construction equipment for recovery in challenging situations.
Understanding Tow Truck and Wrecker Financing Options
Loans and leases each have a place — whether you want ownership and predictable payments, or lower upfront cost and flexibility to refresh your fleet. Here's how we structure popular programs for towing businesses.
Tow Truck Loans
Borrow toward the purchase and repay on a fixed schedule — at the end of the term, you own the truck outright. Ideal when you want predictable payments and long-term asset ownership.
- Fixed payments for easier budgeting
- Build equity; potential depreciation and interest deductions (ask your tax advisor)
Tow Truck Leasing
Use the truck for a set term with payments for use of the equipment — often with lower upfront cost than buying. At lease end, you may return, renew, or purchase at a stated residual.
- Lower upfront cost and monthly payments in many cases
- Easier path to newer models; review mileage and wear terms
Used Tow Trucks
Finance pre-owned wreckers and rollbacks from dealers, auctions, or private sellers — so you can put savings into operations while still upgrading capability.
- Private-party and dealer purchases
- Flexible structures for a wide range of credit profiles
Fleet & Growth
Add multiple units or scale coverage as contracts grow — we structure programs so you can expand revenue capacity without a one-size-fits-all bottleneck.
- Options for adding trucks as you win new business
- Dedicated specialists who know towing economics
What's the Financing Process Like With CFF?
Simple, fast, and built for real-world towing operations — many deals fund in as little as 24 hours once approved.
Application — complete our quick online application or connect with our financing specialists
Quick review and approval — we weigh credit, time in business, and equipment needs to match options to your goals
Financing options — choose programs, terms, rates, and structures that fit your budget
Funding — finalize paperwork; approved funds are disbursed so you can acquire your equipment
Ongoing support — your tow or wrecker finance specialist is there for questions long after closing
Why Choose Commercial Fleet Financing?
Your towing business depends on reliable equipment. For over 20 years, CFF has delivered flexible financing shaped for wreckers, rollbacks, and heavy recovery — with the speed and support you need on the road.
We Make the Process Simple and Fast
Time is money in towing. Our streamlined application takes minutes, and many approvals happen within 24 hours — so you can move at the speed of your business.
Competitive Rates and Flexible Terms
We work with you on plans that fit your budget and goals — flexible terms and tailored tow truck financing so you can manage cash flow while growing your fleet.
Experts in the Tow Truck Industry
Financing tow trucks isn’t a side line for us. We understand wreckers, rollbacks, and heavy recovery — and deliver personalized solutions whether you’re expanding or upgrading.
Ready To Add Your Next Tow Truck?
Take the first step toward a stronger towing fleet — apply for tow truck financing today for fast decisions, flexible loans and leases, and support from specialists who know wreckers and rollbacks.
- Flexible loan and lease options
- Approvals in as little as 2 hours
- Terms up to 84 months
- Dedicated financing specialist
The form on the right is for pre-qualification. No SSN required.
Get Pre-Qualified
Tell us about your business and a specialist will reach out shortly.
* As low as zero down financing with approved credit.
Product availability is subject to confirmation of eligibility and underwriting. Products may vary based on credit profile and the state in which your business is located. Certain products may not be available in all states or to all customers. Commercial equipment financing, loans, and leases are offered or brokered by Commercial Fleet Financing, Inc. and its financing network.