Grow Your Business With Low Interest, Fast, Flexible Construction Equipment Financing. We Help Construction Companies And Contractors Secure Equipment Loans And Leases For Excavators, Backhoes, Dump Trucks, Asphalt Pavers, Front Loaders, And Many Other Types Of Machinery — New And Used
Find Your Rate Here†
- 725+ Credit Score
- 7+ Years In Business
- Excellent Business Credit & Pay History
- Comparable Business And Personal Debt Reference
- 700+ Credit Score
- 5+ Years In Business
- Good Business Credit & Pay History
- Comparable Business And/Or Personal Debt Reference
- 675+ Credit Score
- 5+ Years In Business
- Above-Average Business Credit & Pay History
- Comparable Business And/Or Personal Debt Reference
- No Startups
- 650+ Credit Score
- 3+ Years In Business
- Some Business Credit With Acceptable Pay History
- Comparable Business And/Or Personal Debt Reference Preferred
Have Questions Or Need More Information? See Our FAQs Below Or Give Us A Call
How It Works
- Complete Our Simple Online Application in 5–10 Minutes. Provide basic business information, ownership information, and equipment details
- Get A Decision—often same day—with clear terms and any pre-funding contingencies that need to be satisfied
- Doc, Fund, & Deliver. We coordinate all necessary documentation with you and your vendor for a smooth funding and delivery
Why Construction Companies And Contractors Choose Us:
Transparency – upfront rates and criteria, clear terms, simple & concise contract
Low Rates, Low Interest – we are a leader in our industry because of our transparency
Quick Decisions (usually same-day) and streamlined e-signing
Flexible Terms (typically 12–72 months) and seasonal payment options available
$0 Down and deferred payments available
No Prepayment Penalties
All Types of heavy construction equipment, commercial vehicles, trucks, & trailers
New Or Used Equipment – no age restrictions on equipment and no age/mileage restrictions on vehicles
Nationwide Network of dealers and private-party sellers supported
What We Finance
Secure a construction equipment loan or lease for CAT, Bobcat, John Deere, Kubota, and others. We finance crawlers, mini’s, and long-reach excavators along with their attachments, thumbs, buckets, & hammers
Finance backhoes for trenching and utility work with predictable payments. Options for balloon or seasonal schedules to match project cash flow
We offer competitive terms for financing of dump trucks (standard, transfer, side-dump, pup) as well as fleet and single-unit financing. No mileage or model year restrictions
Leasing and loans for pavers, compactors, rollers, and tack distributors—ideal when you want to refresh equipment ahead of paving season
Power your material handling with front loader financing. Bundle buckets, forks, and scales. New or used, dealer or private-party
Skid steers, dozers, graders, telehandlers, forklifts, cranes, trenchers, concrete mixers, boom lifts, scissor lifts, generators, compressors, hydro-excavators, water trucks, service trucks, attachments, and more
FAQs
What Credit Scores Do You Consider?
We work with a range of scores starting at 650 and higher. We consider business credit scores and other criteria as well. Rates and terms depend on overall profile strength, time in busine ss, and other factors. You can view our current rates and criteria near the top of this page
Is It A Hard Inquiry Or A Soft Inquiry On My Credit?
We only use soft inquiries for qualifying and offering terms. A hard inquiry may be needed prior to funding but not in most cases
Can I Finance Used Equipment Or Private-Party Purchases?
Yes. Construction equipment loans and leases are available for new or used equipment and from dealers or private-party sellers, subject to underwriting and inspection
How Fast Can I Get Funded?
Most approvals are same-day, and funding can follow once contingencies are met. Timing varies by the nature of the transaction, number of locations and vendors, and whether the equipment is titled (vehicle) or not, but generally the turnaround time from application to funding is 1-4 business days
Do You Finance Amounts Larger Than $250,000?
Yes. We will likely require some financial statements such as 1 or 2 years of tax returns for amounts larger than $250,000
Do You Offer Seasonal Or Deferred Payments?
Yes. Payment options include seasonal, step up, or deferred structures for qualified applicants
Can I Finance Soft Costs Such As Sales Tax, Shipping, And Training?
Yes. Soft costs up to 25% of the hard cost can be included in the financed amount
Loan Vs. Lease: Which Fits Your Business Needs?
| Option | Best For | Ownership | Payments | Tax Treatment |
|---|---|---|---|---|
| Construction Equipment Loan | Long-Term Use & Equity | You Own; Lien Until Paid | Typically Level | Section 179 Interest & Depreciation Deduction, Section 168(k) |
| Construction Equipment Leasing | Lower Upfront Cost, Frequent Upgrades | You Use; Buyout Options | Often Lower Initially | 100% Bonus Depreciation 100% Deductible Monthly Payments As Operating Expense |
Eligibility & Documents
- Business Info (EIN, Entity Type, Years In Business)
- Owner Info (Name, SSN, Home Address, DOB) For All Owners With 15%+ Ownership
- Equipment Quote Or Invoice (Dealer Or Private-Party)
- Last 3 Months Of Business Bank Statements; 1 Or 2 Years Of Tax Returns For Higher Amounts
† Rates shown are simple interest, for qualified applicants, and are subject to change. Final approval, rate, & terms offered after underwriting. Example: On a $150,000 loan at 8.15% APR for 36 months, estimated payment is $4710.84, total of payments is $169590.24. Not all applicants will qualify. Terms and availability vary by credit profile. Not all qualifications are listed and applicants who meet listed qualifications are not guaranteed approval.
* Consult your tax professional for advice