Its hard to give you a set out plan- because we really don't know your full circumstances. If you are just getting out of school, no experience, no contacts, just see dump trucks driving on the road and think "that's cool- I could do that", you've got a ways to go to have your own.
You've got to get your CDL. Go get the book, take all the written tests, go drive. Use a school if you have to. Lots of over the road company's offer a school, training/driving schedule (team driving), in return for a year or two contract.
Go work for a dump truck company. You'll learn what the business is like, you'll get some contacts, and find out if it's what you really want to do, without investing a bunch of $ in a truck.
You're not going to find a company very quickly, to just throw you in their dump truck, and say "good luck", with no experience. A driving school, and a over the road training of a year or two might be in your future.
I've bought and sold a few dump trucks, its a tough way to make a living. Rates aren't great in my area, the quarries have their own delivery trucks, so you get to compete with your wholesaler. The dump trucks get used hard, in not great conditions, so the repairs add up. The dirt contractors by me that have their own trucks, tell me they don't make any $ with them, it instead makes it so they have their deliveries in their own control.
The better $ in trucking is generally on the road, but you end up being gone all the time (every night).
If you're set on your own dump truck, and not wealthy enough to just go buy one, a banker is going to want a pretty detailed business plan. The banker is going to want it down in black and white, what the truck costs, what your contracts are ($ coming in), what your detailed costs are going to be (fuel, tires, taxes, plates, wages, insurance, etc.). He's going to want you to probably put in 1/3 to 1/2 the $ up front, so if you don't make it, he can sell the truck to cover the loan. He's also not going to finance your day to day operations until you get going, so you're going to have to have a pretty good little stockpile of additional $ to operate on. Bankers only like a sure thing, and even then, they can be a little skeptical, and want to make their 6%. They don't want to make a killing, they just want a sure, simple 6-8%. And, just my opinion, without experience, contacts/contracts, or a big financial backer, you probably aren't going to get a loan.
