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Equipment Leasing
& Financing

At Zip’s Finance, we want to be your long-term equipment lending and leasing partner, dedicated to your success, growth and prosperity. All decisions are made locally, and we can work with any size operation, no matter what stage you’re at. Specializing in companies providing towing, recovery and highway emergency services, we can offer financial assistance to multi-generational family businesses, expanding regional fleets or large-scale private enterprises. Our customer-centered approach is focused on helping your company flourish, both operationally and financially. We are not simply financing trucks...we are helping build stronger, more sustainable companies for the future.

Apply for Financing

The Zip’s Ecosystem: Far More Than a Transaction

Anyone can sell you a truck and hand you a payment coupon. But a truck is only profitable when it’s on the road and backed by a team that understands your daily grind. Zip’s is the only partner in the space that combines deep expertise, equipment sales, custom service, nationwide parts distribution and dedicated financing under a single roof. Our finance strategy is designed to fuel your entire operation, building long-term business partnerships centered around your growth and profitability.

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Tailored Financing,
Built for Your Business

Zip’s isn’t a bank — and that’s a good thing! We don’t offer one-size-fits-all terms or push your application through layers of red tape. Instead, we offer financing options designed around your needs, your timeline and your business goals. By keeping the process in-house, we’re able to move faster, offer more flexible terms and provide direct communication from start to finish.

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Fast, Simple and Personalized

Our financing solutions are designed to save you time. With a streamlined approval process and personalized support, our goal is to eliminate the usual headaches and delays that come with traditional lending. From credit application to delivery day, you’ll have a dedicated team working to get you what you need, when you need it!

We’re Not Here to Sell You a Truck. We’re Here to Help You Fund a Fleet.

Most dealerships use financing just to close a sale. At Zip’s, we do the opposite. We use our financial expertise to help you optimize your cash flow, scale your operations and build a more profitable business from day one.

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  • Minimizing Wait Times, Maximizing Cash Flow: Apply online in minutes and get approvals within one business day. We move at the speed of your business so you never miss an opportunity to secure the equipment you need.
  • 50+ Years of Operational Expertise: We know the truck specs inside and out, but more importantly, we know how those specs turn into profit. Five decades in the industry means we don’t just understand the machinery; we understand your livelihood. We build financing plans designed to protect your bottom line, not a bank's spreadsheet.
  • Structures Tailored for Your Growth Stage: Whether you want to lease or finance, buy brand new or quality used, we don't do cookie-cutter loans. We customize plans that adapt seamlessly to the unique cash flows of multi-generational family operations, scaling regional fleets and large private enterprises alike.
  • Dealer-Friendly Partnerships: We believe in supporting the industry as a whole. Found the perfect truck on another lot or through a private seller? Let us finance it anyway. We maintain strong, respectful relationships across the country because we want to earn your trust through our financial partnership today, so we can earn your equipment business tomorrow.
  • A "Customer-First" Approach That Aims to Lose You: We consider ourselves an extension of your crew, which means our ultimate goal is your financial independence. We work hard to help you build a stronger balance sheet so that you eventually "graduate" to traditional banks with lower rates than we can offer. When you outgrow our portfolio, we celebrate because we’ve helped you build a sustainable business.

Timeline

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Step 1: Apply Online

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Step 2: Get Approved
within 1 Business Day

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Step 3: Move Forward with Purchase of Equipment

Apply Online

Our Ultimate Goal
is Your Graduation.

We are in the helping business. We actively work to help you build a stronger balance sheet so that you eventually 'graduate' from our portfolio—establishing direct relationships with traditional banks that can offer lower financing rates than we can.

When you outgrow us, we celebrate. As long as we continue earning your trust each and every day, your loyalty and ultimately your truck business becomes a long-term win for both of us.

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Trusted by Operators Nationwide

Customers who finance through Zip’s don’t just complete a transaction — they start a relationship. Our financing program has helped thousands of operators grow their businesses, and many come back again and again because of the convenience, transparency and trust we’ve built. We’re not just here to help you buy one truck — we’re here to help your business scale for the long haul.

I’ve been a customer with Zip’s since April 22, 2014. I walked into Zip’s with absolutely nothing to my name. I told them I wanted to start a towing company. He took a big shot on me and let me drive a truck home that day with almost no money down. That is one reason why we’re so loyal to Zip’s because they gave me a shot when I don’t know if anyone else would have.

Dustin Tapp, Central Iowa Towing

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Zip’s took a risk on me. My credit score was a little low. Some banks would not approve me for a loan. Zip’s went ahead; they took us on like they didn’t ask any questions. So we financed through them.

Steve Vroma, Grand Valley Towing

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Financing options to fit for your business.

Feature Financing Leasing
Initial Costs 25% 15%
Ownership Full ownership at payoff No ownership unless purchased at end
Equity Building Yes No
Mileage/Wear Restrictions None None
Tax Advantages Depreciation + interest deductible Lease payments fully deductible
Bank Credit Line Impact Uses up available credit Preserves bank credit line
Budget Friendly Yes Yes
Sale/Trade Flexibility Keep or sell at will Option to purchase outright at lease end
Check My Options
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For Dealers: Partnering with Zip’s Finance

At Zip’s, we believe in supporting the towing and recovery industry as a whole — not just our own sales. That’s why we proudly finance equipment sold by other dealers and maintain strong, respectful relationships with many across the country. We’re open to working with any dealer who shares our commitment to honest business, timely communication and a desire to help customers succeed.

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Meet the Zip’s Finance Team

The Zip’s Finance team is your dedicated partner in helping your business achieve its long-term goals and operational growth. Offering several years of expert lending and financing experience, our customer-focused staff will deliver the competitive advantage and help you guide you through entire process.

Apply for Financing

Or contact us with more questions: 800-222-6047

FAQ

Q:

How much do I need for a down payment?

A:

Down payment requirements can vary depending on the structure of your deal. For leases, an advanced rental of a minimum 15% is required. For traditional finance contracts, down payments often start around 25%. That said, we review each application individually and may offer flexible terms based on your overall profile.

Q:

What credit score do I need to qualify?

A:

While a higher credit score can lead to better terms, it's not the only factor we consider. Approvals are based on a combination of credit history, available down payment and, when applicable, your past payment history with Zip’s. We’ve worked with a wide range of customers, including those with less-than-perfect credit.

Q:

Can I finance used equipment?

A:

Yes, Zip’s offers financing options for both new and used equipment. However, we typically shy away from approving deals on significantly older units due to increased risk. When financing older equipment, a larger down payment is often required, and approvals are reviewed on a case-by-case basis.

Q:

Can I use Zip’s Finance if I’m buying from another dealer?

A:

Yes! You are not limited to equipment purchased directly from Zip’s. We’re happy to work with competitive dealers and maintain great relationships with many of them across the industry. In fact, we’d gladly work with all of them if they were open to it! Our goal is to provide flexible financing solutions that support your business, no matter from whom you choose to buy. Terms based on your overall profile.

Q:

How long does the approval process take?

A:

In many cases, approvals are completed within 1–2 business days once all required information is submitted. We work quickly to get you an answer, so you can keep your business moving forward.

Q:

What documents or information will I need to apply?

A:

Typically, we’ll ask for a completed credit application, your driver’s license, business ownership information and recent financials. Once submitted, our finance team can walk you through any next steps.

Q:

Are there tax advantages to leasing or financing equipment?

A:

Yes. Many customers benefit from tax deductions under Section 179 or other tax advantages related to leasing and depreciation. We recommend consulting with your tax advisor to understand what works best for your business.

Q:

Can I pay off my lease or finance contract early?

A:

Absolutely. Many of our contracts allow for early payoff, giving you flexibility if your financial situation changes. We do require a flat payoff fee of $350.00, regardless of the dollar amount, agreement structure or timing of the payoff. If you're considering an early payoff, our finance team can walk you through the details.

*24-hour decision turnaround only applies to business days (excluding holidays).

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