Aggregate and Quarry

Crushed stone, sand, and gravel are dusty from the moment the blast breaks the rock or the buckets start digging. By the time aggregate moves from the pit face to the primary crusher and down the haul road to the stockpile, it has generated dust at every transfer point and under every tire. Aggregate producers and quarry operators run water trucks continuously because their air quality permits, their state reclamation bonds, and their MSHA compliance plans all require visible dust control at the source. A quarry without a working water truck on the haul road is a quarry sitting on a citation.

We finance water trucks for aggregate and quarry operations from $50,000 up, new or used, on-road and off-road. The deal is simple: one-page application, three months of bank statements, and an answer in about 24 hours. Funding inside two weeks. We work with B and C credit regularly. Dust suppression trucks built specifically for stockpile and crusher-area application are fundable the same way as haul road tankers.

Aggregate and quarry water trucks work harder in some ways than construction site tankers because they run on the same haul road loop, hour after hour, all shift. The road between the pit face and the processing plant takes constant traffic from haul trucks, loaders, and other equipment. Water applied to that loop evaporates fast in summer sun, so the tanker cycles continuously rather than making a few passes and parking. High-cycle duty means the pump, spray bar valves, and chassis are under constant stress.

Haul road tankers at quarries are typically 4,000-to-6,000-gallon on-road trucks configured for rear and side spray. Some quarries run larger 10,000-gallon units to reduce the number of fill trips per shift, particularly at operations where the fill point, usually a well or pond, is far from the active road section. Ten-thousand-gallon water trucks on heavy-duty tandem or tri-axle chassis make that cut-down in fill trips worthwhile when the haul road is long.

Secondary water truck duties at a quarry include stockpile surface moisture (which reduces fugitive dust from wind erosion and from loader bucket drops), crusher area suppression, and batching plant yard dust control for ready-mix operations co-located with the quarry. Each duty has a different spray requirement, which is why some quarries run a cannon-style truck for stockpile work alongside a spray-bar road truck.

Aggregate and quarry operations of every size use water trucks. A single-pit independent quarry producing a few hundred tons per day might run one 4,000-gallon tanker. A multi-pit operation producing several thousand tons per shift across multiple haul roads might run four to six trucks of different sizes. We fund both scenarios.

Operations that have been in business more than two years with consistent revenue are the easiest to fund. Three months of bank statements that show regular deposits and manageable debt service covers the underwriting for most deals under $400,000. For larger transactions or operations with shorter operating history, additional documentation helps but does not automatically rule out funding.

Credit profile matters less than cash flow in this industry. Aggregate producers often have uneven revenue tied to construction season, local contractor activity, and large batch orders that come in lumps. A bank reading a February statement for a quarry in the northern states sees a low month that is totally normal for the business. We read the full three-month pattern and understand the seasonality. Seasonal deferred payment structures are available for quarries with strong summer activity and slow winters.

Quarries that have owned water trucks for years often have equity sitting in iron they bought at peak price. A cash-out refinance on a truck with a low balance or no balance turns that equity into operating capital without selling the equipment. The cash can go toward a new water truck purchase, plant maintenance, or any other operating need. You keep the old truck running on the haul road, and the proceeds fund the expansion.

A sale-leaseback is the same concept structured differently. You sell us the truck at market value, we lease it back to you with a monthly payment, and you keep using it. The full sale price hits your account. That is a common move for quarry operators who need capital for a crusher rebuild or a new wash plant without taking on bank debt that could affect their bonding capacity.

Independent quarry operators are the core of our aggregate-sector book. Family-owned stone operations, sand-and-gravel producers along river corridors, and limestone quarries serving regional road contractors all need water trucks and often struggle to get them financed quickly through traditional channels. A commercial lender that does not understand aggregate seasonality will deny a strong quarry operator on a slow-month bank statement. We do not make that mistake.

Ready-mix concrete producers who quarry their own aggregate are also a regular fit. The water truck at a vertically integrated producer serves both the quarry haul road and the batch plant yard, giving it double duty that makes the economics straightforward. Aggregate producers who also do contract crushing for third-party operations are another good fit, particularly when the contract work drives consistent monthly revenue.

Contractors in surface mining that include aggregate extraction as part of their mining scope often need to fund water trucks for the combined operation. The truck serves both the mine permit and the aggregate processing operation, and we finance that kind of shared-duty unit without needing separate transactions for each use.

A citation for dust is more expensive than a truck payment. Send us the equipment details and three months of bank statements. We fund aggregate and quarry water trucks from $50,000 up, new or used, B or C credit fine, and close in about two weeks. Apply today or call and we will get back to you the same day.