The contractor wants the excavator. Financing is how it closes.

Excavators and mini excavators, skid steers and track loaders, dozers and graders, wheel loaders and backhoes, attachments and implements, dump trucks and trailers, concrete and paving equipment, and cranes and lifting, new or used, titled or non-titled, from a $15,000 usual minimum to $5 million and above. Attachments can go on the same agreement as the machine, and freight, training and extended warranties can be included on qualifying transactions.

Because captive programs are built for established, A-credit contractors buying new equipment from one brand. Used machines past their age limits, other brands, mixed packages, newer contractors and files with a credit blemish often fall outside that, even when the deal itself is good. Keep the captive for new, single-brand promotions and send everything else to us. If you also have in-house financing, we work alongside it.

Age is judged at the end of the term, not at purchase. For construction iron the practical ceiling is around ten years old at payoff, so a five-year term generally wants a machine no more than about five years old, and an older machine is written on a shorter term. Hours and a documented service history matter as much as the model year.

Often, yes. Seasonal and deferred payment structures are available on many programs, so payments can pause in the off season and run while the machine is earning. The estimate on this page shows level monthly payments; seasonal schedules vary by program and file.

Most applications get a first response within 1 to 2 business hours, and clean application-only files can be approved in as little as 30 minutes. Application-only decisions are available up to $500,000 on qualifying files, and a quote with the serial number and hours is usually all a first response needs. The application starts with a soft credit inquiry, so the owner’s credit score is not affected. Funding follows in as little as 24 to 48 hours once documents are signed.

Many established-business programs start around 600 FICO, and two or more years in business opens the broadest set of programs and the best pricing. Between one and two years narrows the field but stays workable; under one year is underwritten as a startup, which typically means 700+ personal credit, relevant industry experience and working capital left after the purchase. A contract the customer has already won makes the file stronger, so put the award on the application.

You are paid 100% of the invoice directly by Five West on funding, after your customer signs and the equipment is delivered and accepted. Where the equipment requires it, deposit funding can be released once documents are signed, with the balance on delivery. You carry no receivable and do no collecting; the customer’s obligation runs to the funder, not to you.

Nothing. Every tier is free to you: no setup fee, no monthly fee, nothing to buy and no application fee for your customers. Private Label and Co-Branded ask for monthly application volume ($500k and $100k), and 3rd Party Financing has no minimum, so you can start by sending your next contractor our way. Each starts with a 90-day trial.