A Heil body on the back of your chassis means the packer is going to work. Heil Environmental has been producing refuse collection bodies since the 1950s, and their DuraPack line, Half/Pack front loader, and Rapid Rail automated side loader have become fixtures on residential and commercial routes across North America. The equipment holds up. The question haulers bring to us is how to pay for it without tying up working capital they need for fuel, payroll, and contract bonds.
We finance Heil refuse bodies and complete truck packages, new and used, for operators from single-truck startups to fleet managers running dozens of accounts. Whether the purchase is a new Heil DuraPack 5000 rear loader or a refurbished body going on a second chassis, we work through the same straightforward process: application, documents, approval, funded. Most deals close in about one to two weeks.
Minimum transaction size is $50,000. The sweet spot for Heil packages runs $100,000 and up, and application-only financing is available to roughly $400,000 for operators with solid route history. We also cover Heil Half/Pack front loaders used in commercial service, where the bodies regularly price landing between $80k and $150k before the chassis.
Heil Bodies Operators Actually Run
The DuraPack 5000 is Heil's workhorse rear loader. It runs in 25- and 28-yard configurations and uses a tailgate packer design that minimizes maintenance intervals compared to older swing-tail bodies. Private haulers on residential contracts favor it for its cycle speed and the ease of training new drivers on the controls.
The Heil DuraPack Python is the automated side loader version, using a single-arm collection system. Municipal contracts that specify ASL service often call for the Python by name. It runs on either diesel or CNG-powered chassis, and CNG configurations have become common in California, Texas, and states with air-quality mandates.
The Half/Pack is Heil's front loader, built for commercial dumpster routes. It handles containers from one to eight yards and packs at a ratio that keeps compartment volume efficient through a full commercial route. Operations serving strip malls, apartment complexes, and business parks rely on the Half/Pack because the body handles variable container sizes without a swap.
The Heil Rapid Rail rounds out the ASL lineup. It uses a different arm geometry than the Python, designed for tight suburban streets where the arm needs to articulate without the truck repositioning. Operators bidding residential contracts in dense neighborhoods often specify Rapid Rail for that reason.
New Bodies Versus Used Heil Equipment
New Heil bodies carry full factory warranties and the current body design. Lead times from the factory have stretched at times, so operators under contract pressure sometimes look at used inventory as a faster path to getting a truck on route.
We finance used Heil bodies with the same structure as new. The key factor is condition, not age. A well-maintained DuraPack body with documented service records and a recent inspection will qualify cleanly. A body that has been run hard without upkeep is a harder approval regardless of year model.
Used pricing varies widely. A five- to seven-year-old DuraPack 5000 in serviceable condition can be found landing between $35k and $60k for the body alone. Complete used truck packages with a Mack or Peterbilt chassis run higher. Our used refuse truck financing covers these transactions, and application-only financing is available up to approximately $400,000 so you're not digging up three years of tax returns for a single body purchase.
Who Finances Heil Equipment With Us
Most of our Heil customers fall into one of three situations. The first is a private waste hauler who has won a new residential or commercial contract and needs a truck on the road before service start date. The second is an operator replacing a truck that has aged out of the fleet, where downtime on the old machine is costing route performance. The third is someone buying their first truck to step out of a subcontract arrangement and take on direct accounts.
We work with B and C credit. Not every hauler has pristine financials, and a solid route contract is often the better indicator of repayment than a credit score alone. We ask for three months of bank statements alongside the application so we can see cash flow from the route rather than just a number on a report.
Operators starting from scratch can apply under our new-business financing programs, though those deals typically require more supporting documentation around the contract and the route economics.
Refinancing and Sale-Leaseback on Heil Equipment
Operators who own Heil equipment free and clear or with equity can convert that asset into working capital. A Sale-Leaseback transfers title to the lender in exchange for a lump sum payment, then the operator continues using the truck under a structured payment plan. The truck stays on the route. The cash goes to payroll, fuel reserves, a security deposit on a new contract, or fleet repairs.
Refinancing an existing Heil loan works similarly. If the current rate is higher than the market or the term is cutting into cash flow, refinancing extends the term and lowers the monthly number. We also offer cash-out refinancing against equipment with equity, pulling out capital without giving up the truck.
Route Questions
