Construction Equipment Financing & Leasing Solutions
Whether you’re a contractor, site developer, or equipment dealer, securing the right construction machinery shouldn’t slow down your projects. We provide fast approvals, flexible payment options, and funding for new or used equipment — including purchases from dealers, private sellers, and auctions.
We provide financing for excavators, bulldozers, wheel loaders, skid steers, and full fleet packages for contractors and site developers.
Our goal is simple: Help you get equipment to the jobsite quickly while protecting your cash flow.
We finance construction equipment for contractors, earthmoving crews, road builders, concrete companies, demolition firms, and site development operations nationwide.
Why Finance Construction Equipment Instead of Paying Cash?
Financing allows you to keep your capital free for payroll, materials, fuel, insurance, and other operating expenses while still adding or replacing equipment.
Benefits of Financing or Leasing Construction Equipment:
- ✅ Protect Cash Flow — Avoid large upfront purchases
- ✅ Flexible Payments — Monthly, seasonal, annual, or revenue-based
- ✅ Preserve Credit Lines — Keep bank LOC available for emergencies
- ✅ Tax Advantages — Section 179 may allow full equipment write-offs*
- ✅ Upgrade Easily — Replace equipment at end of term if needed
- ✅ Protect Cash Flow — Avoid large upfront purchases
- ✅ Flexible Payments — Monthly, seasonal, annual, or revenue-based
- ✅ Preserve Credit Lines — Keep bank LOC available for emergencies
- ✅ Tax Advantages — Section 179 may allow full equipment write-offs*
- ✅ Upgrade Easily — Replace equipment at end of term if needed
Funding as fast as 24–48 hours for qualified borrowers.hy Finance Construction Equipment Instead of Paying Cash?
Types of Construction Equipment We Finance
We finance new, used, auction, and private seller equipment across every major construction category. If it moves dirt, lifts, crushes, stacks, hauls, drills, pumps, or grades — we can finance it.
Below is a simplified equipment overview, grouped for easy navigation:
Earthmoving Equipment
These machines are the backbone of land development, trenching, grading, and site prep work. We finance both compact and full-size units, with options for zero down, seasonal payments, and start-in-90-days structures depending on credit profile.
Popular programs:
• Excavator Financing
• Loader Financing
• Skidder Financing
• Backhoe Financing
• Grader Financing
Financing available for:
- Compact track loaders (CTLs) & skid steers
- Wheel loaders & crawler loaders
- Track excavators, minis, long-reach & specialty diggers
- Motor graders for fine grading finish passes
Supported Brands:
CAT • John Deere • Komatsu • CASE • Bobcat • Volvo • Takeuchi • Kobelco • Hitachi • Doosan & more.
These machines are essential on nearly every jobsite. If you need power, reliability, and production efficiency — we finance it.
Concrete, Materials & Pumping
Concrete jobs require timing, coordination, and reliable equipment. Financing helps contractors control project schedules and stop relying solely on rentals, which can delay pours.
Programs include:
- Concrete Pump Financing →
- Concrete mixers / volumetric mixers
- Cement & batching equipment
- Shotcrete, formwork, screeding & placement systems
Best for:
Shotcrete and specialty formations teams
Commercial concrete contractors
Foundation, slab & formwork crews
Perfect for commercial contractors, concrete specialists, and construction supply businesses.
Roadwork, Milling & Surface Equipment
Paving contractors often operate under tight municipal or DOT deadlines — equipment availability can determine whether a project stays profitable.
Programs include:
Also available:
- Milling machines
- Brooms & road sweepers
- Asphalt distributor trucks
Helps support:
- Road improvements
- Subdivision paving
- Runway & parking lot resurfacing
Mining, Crushing & Aggregate
Production-focused operations rely on high-capacity equipment that must run consistently. Financing allows operators to increase output capacity without draining working capital.
Suitable for:
- Quarry operators
- Demolition contractors
- Concrete & asphalt recycling operations
Available for quarry operators, demolition contractors & recycling operations.
Attachments & Specialty Equipment
If it adds capability, boosts productivity, or lets one machine do the work of several — it can usually be financed.
Construction Attachment Financing
Examples we commonly include in financing packages:
- Augers, grapples, rakes, buckets
- Breakers, mulchers, trenchers
- Laser, GPS & 3D grade control systems
- Hydraulic tools & auxiliary systems
Yes — attachments can be bundled into the same finance contract as the machine.
This allows one monthly payment instead of multiple invoices.
Examples: Augers, Breakers, Trenchers, Buckets, Hydraulic Tools, Grading Systems.
Don’t see your equipment listed? We likely still finance it. Send us a quote and we’ll confirm eligibility within minutes.
How Contractors Use Financing on Real Job Sites
Construction projects move fast — and delays cost money. Having access to the right equipment when you need it helps maintain schedules, win bigger bids, and take on more revenue-producing work.
Below are common project types and equipment financing scenarios:
Site Preparation & Earthmoving
For land clearing, grading, trenching, and utility installation, contractors often need to add or replace heavy earthmoving equipment quickly, especially during peak seasons.
Common equipment financed:
Use Case Example:
A grading contractor wins a subcontract on a 20-acre development project and needs an additional mid-size excavator to meet schedule timelines. Instead of tying up capital, they finance the unit and maintain liquidity for payroll, fuel, and materials.
Road Building, Asphalt, and Paving Operations
Paving contractors face strict weather windows, municipal schedules, and DOT milestone deadlines — delays are expensive.
Financing supports:
Use Case Example:
A paving company needs a second roller during peak season. Financing lets them deploy equipment immediately, collect progress payments, and avoid disrupting cash flow.
Concrete & Foundation Work
Concrete projects move fast — and equipment availability impacts slab schedules, curing windows, and pump scheduling.
Equipment frequently funded:
Use Case Example:
A concrete contractor takes on multiple slab pours across two subdivisions. Financing a pump allows them to eliminate rental fees, maintain control of schedule, and increase profit per job.
Aggregates, Mining, and Crushing Operations
Crushing and aggregate contractors handle continuous production environments where downtime is extremely costly.
Equipment financed:
- Rock crushers
- Loader/Excavator fleets for feed operations
Use Case Example:
A quarry operator finances a portable crusher to expand output capacity ahead of a state highway project award, enabling them to meet tonnage demand without large upfront spend.
Land Clearing, Forestry & Storm Cleanup
Clearing and reclamation contractors experience variable, seasonal, and event-driven project timelines.
Equipment commonly financed:
Use Case Example:
A forestry contractor secures a utility right-of-way clearing contract. Financing a skidder allows them to start work immediately and bill for completed acres while maintaining cash reserves for operations.
How Financing Helps You Win More Bids
Financing allows contractors to:
- Take on larger scopes without capital constraints
- Maintain a more modern, reliable fleet
- Prevent equipment shortages from delaying schedules
- Bid confidently with the equipment capacity to support growth
This is why many contractors consider financing a strategic advantage — not just a payment method.
Financing Options Built for Construction Businesses
We offer several structured financing programs depending on business age, revenue, equipment value, and credit profile:
| Program Type | Best For | Benefits |
|---|---|---|
| Equipment Leasing | New + Growing Contractors | Lower monthly payments & tax benefits |
| Equipment Financing | Established Businesses | Own equipment outright |
| Revenue-Based Programs | Challenged Credit but strong revenue | Financing option for challenged credit |
| Startup Financing | New contractors and first machine buyers | Lower documentation requirements |
| Private Party / Auction Financing | Purchasing used equipment from non-dealers | Fast approvals & secured funding |
Flexible Terms & Payment Structures
We understand contracting work is seasonal. Your payment schedule can match your revenue cycles.
| Program Type | Suitable For | Benefits |
|---|---|---|
| Standard Monthly Payments | Best for contractors that have consistent revenue streams | Simple, predictable payments |
| Seasonal Payments | Best for contractors that experience fluctuations in cash flow such as Landscaping, paving, agriculture | Helps cash flow for seasonal businesses |
| Deferred Payments (Start in 90–120 Days) | New contracts / job starts | Get equipment now, pay after revenue begins |
How to Get Approved
- Apply Online — Takes 2 minutes
- Upload Vendor Quote or Invoice
- Review Terms
- Sign Digital Docs
- Equipment is Funded Directly to Seller / Dealer
No hard credit pull until terms are reviewed and agreed upon.
For Equipment Dealers & Manufacturers
If you’re selling equipment, you can offer financing to your customers and increase your quote-to-close rate.
→ Learn more: Vendor Financing Program
Benefits to your dealership:
- Faster sales
- Larger equipment packages
- More returning customers
- Competitive advantage in your market
Ready to Get Financing?
Get pre-qualified with no impact to your credit score.
FAQ
Yes. We have startup-friendly programs as long as the business owner has industry experience or stable personal credit.
Yes — including marketplace listings, Ritchie Bros., Machinery Trader, Facebook Marketplace & more.
Yes, we offer seasonal and revenue-based payment structures.
For amounts under $250,000 — often no tax returns or financials required.
Same-day approvals and funding within 24–48 hours is common.
Yes — including equipment purchased from private sellers and auctions.