Concrete pump and mixer truck financing spans two collateral types — pumping equipment and on-road vocational trucks — which changes the paperwork. Cost by type: trailer/line pumps $40K–$120K; truck-mounted boom pumps (28–42m) $300K–$700K; large boom pumps (50m+) $700K–$1.2M; new ready-mix mixer trucks $150K–$250K; used mixers $50K–$120K. Financing paths: equipment loans and leases (48–72 months) for pumps, and vocational-truck lenders for mixer and boom-pump trucks, which are titled, on-road vehicles requiring DOT/registration documentation. Expect 10–20% down, CDL-qualified drivers, and underwriting that weighs mileage/hours and your ready-mix or pumping contract base. Figures are illustrative estimates, not quotes.
Concrete is a cash-intensive, schedule-driven business: a single boom pump or a couple of mixer trucks can be the difference between bidding bigger pours or turning them down. Financing this equipment is straightforward once you separate the two asset types — pumps are clean equipment collateral, while mixer and boom-pump trucks are titled, on-road vehicles that vocational-truck lenders handle a little differently. For the broader hub, see equipment financing.
Concrete Pump & Mixer Truck Costs
| Equipment | Typical cost | Notes |
|---|---|---|
| Trailer / line pump | $40K–$120K | Smaller pours, interior, high-rise line work |
| Truck-mounted boom pump (28–42m) | $300K–$700K | Most common production boom pump |
| Large boom pump (50m+) | $700K–$1.2M | High-reach, large commercial pours |
| Ready-mix mixer truck (new) | $150K–$250K | Front- or rear-discharge |
| Ready-mix mixer truck (used) | $50K–$120K | Strong used market |
Leading makers: Schwing, Putzmeister, and Alliance (pumps); McNeilus, Con-Tech, and Oshkosh (mixer bodies/trucks). Figures are illustrative ranges, not quotes.
Titled Trucks vs. Pumping Equipment
This is the detail that trips up first-time buyers. A trailer or stationary line pump is pure equipment collateral — financed like any other machine. A boom-pump truck or ready-mix mixer truck is a titled, on-road vehicle, so the lender needs DOT registration, the title, and proof of CDL-qualified drivers, and may treat it under a vocational-truck program rather than a generic equipment loan. The asset is the same value either way; the documentation and sometimes the lender differ. When you finance the chassis and the mixer body together, make sure the quote separates them so the lender can title correctly.
Financing Paths
- Equipment loan / lease (48–72 months). Standard for trailer and line pumps; 10–20% down, 8–13% APR depending on credit and age.
- Vocational-truck lenders. For mixer trucks and boom-pump trucks, specialized commercial-truck lenders understand the chassis-plus-body structure and on-road titling.
- $1-buyout vs. FMV lease. $1-buyout to own and depreciate; FMV for lower payments if you cycle trucks.
- SBA 7(a) when bundling equipment with working capital for a growing ready-mix or pumping operation. See equipment financing vs SBA loan.
What Lenders Look At
- Mileage and hours. Mixer trucks are judged on mileage and drum hours; pumps on pumping hours and boom condition.
- CDL drivers and DOT compliance for titled trucks.
- Contract base. Ready-mix supply agreements or a steady pumping schedule support the payment.
- Standard credit and time in business — see equipment financing requirements; newer operations qualify with larger down payments.
Next Step
Get matched with concrete equipment and vocational-truck lenders. See also Section 179 tax strategy and can you finance used equipment.
A worked example: financing a mixer truck
Take a used concrete mixer truck priced at $130,000 with 15% down, leaving about $110,500 financed over 60 months. At roughly 10.5% APR the payment runs near $2,375 a month — a number that pencils for a ready-mix or small-pour operation running the truck most working days. Because mixer trucks are titled vehicles, lenders judge them on mileage and drum hours and can finance them through vocational-truck programs; a separate trailer or line pump, by contrast, is pure equipment and finances on an equipment loan. Knowing which bucket your asset falls into is what gets the deal to the right lender quickly.
Frequently Asked Questions
Can you finance a concrete pump or mixer truck?
Yes. Mixer trucks finance as titled vocational vehicles, while trailer and line pumps finance as equipment. A boom pump mounted on a truck often splits into both, which is why matching each asset to the right program matters.
How many hours can a used concrete pump have and still finance?
Lenders weigh pumping hours much like engine miles. Lower-hour, well-maintained pumps from known brands finance more easily and on longer terms; high-hour units mean a bigger down payment and a shorter term.
What down payment is needed for concrete equipment?
Plan for 10–20% on most concrete equipment and trucks, with strong credit and time in business pushing toward the low end and startups or used high-hour units toward the high end.
Is a concrete pump truck financed as a truck or as equipment?
It depends on the unit. A truck-mounted boom pump is partly a titled vehicle and partly equipment; a trailer or stationary line pump is equipment only. The split affects which lender and program fit best.
Frequently Asked Questions
How much does a concrete pump cost?
Illustrative ranges: trailer/line pumps $40K–$120K; truck-mounted boom pumps (28–42m) $300K–$700K; large boom pumps (50m+) $700K–$1.2M. These are estimates, not quotes.
How much does a ready-mix mixer truck cost?
A new ready-mix mixer truck typically runs $150K–$250K; used trucks run $50K–$120K depending on mileage, drum condition, and discharge type. These are illustrative figures.
Is a mixer truck financed as equipment or as a vehicle?
As a titled, on-road vehicle. Vocational-truck lenders handle the chassis-plus-mixer-body structure and require DOT registration, the title, and CDL-qualified drivers — unlike a stationary line pump, which is pure equipment collateral.
Can I finance a used concrete pump or mixer truck?
Yes. Both have active used markets. Pumps are judged on pumping hours and boom condition; mixer trucks on mileage and drum hours. Clean maintenance records improve terms.
What down payment is typical for concrete equipment?
Around 10–20% is common, lower for established contractors with strong credit and a steady contract base. Newer operations can offset thinner history with a larger down payment.