Construction equipment financing.

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.

Yes, including the private-party deals most lenders will not touch. A private-party purchase adds a lien search, an inspection or appraisal on larger machines, and funds paid directly to the seller, with 15% to 25% down typical and a rate a point or three above the same machine bought new from a dealer. Our private-party purchase guides cover what to verify before you wire a deposit.

Age is underwritten at the end of the term, not at purchase: remaining useful life has to outlast the term. For construction iron the practical ceiling is around ten years old at payoff, so a five-year term 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.

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 the file is underwritten as a startup, which typically means 700+ personal credit, relevant industry experience, and working capital left after the purchase. Contractors adding iron for a contract they have already won are among the strongest files we see; the bonding and business-credit side is covered in our business credit guide for GCs.

The score alone rarely decides it: cash flow, the equipment, and money down all move the answer. Full detail is in the qualification guidelines and the credit score guide.

Yes. A sale-leaseback turns a paid-off excavator, dozer, or crane into cash without a bank line or a blanket lien: you sell it to the funder, lease it straight back, keep running it, and the cash arrives as a lump sum on terms up to 60 months, with no prepayment penalty on most approvals. See our leaseback guides for excavation equipment and cranes.

Most applications get a first response within 1 to 2 business hours, with same-day options on qualified files and approvals in as little as 30 minutes on clean application-only files. Funding follows in as little as 24 to 48 hours once documents are signed.

Application-only decisions, with no tax returns or financial statements, are available up to $500,000 on qualifying files; above that, expect a full financial package. The application starts with a soft credit inquiry, which does not affect your score. A quote, listing, or auction lot number with serial and hours is usually all a first response needs.

Usually, yes. For 2026 the Section 179 limit is $2,560,000 of qualifying equipment, phasing out above $4,090,000 of purchases, and bonus depreciation is 100%. New and used equipment both qualify, and financing does not change the deduction: equipment bought on an equipment finance agreement or a $1 buyout lease with nothing down is deducted the same as a cash purchase, as long as it is placed in service by December 31.

On a fair market value lease the funder owns the equipment, so you deduct the payments as rent instead. Run the estimate in the Section 179 calculator and confirm the treatment with your tax advisor.

Equipment finance agreements run 24 to 84 months, and leases run 24 to 60. The equipment sets the term more than your credit does. Excavators, dozers, loaders and pavers hold their value, so they support the longer terms. Used machines are financed so they’re about ten years old or newer when the last payment is made, which usually means a shorter term on an older machine.

If you’ll run the machine for years, an equipment finance agreement or a $1 buyout lease usually makes more sense, because you own it outright at the end. A fair market value lease has the lowest payment, and at the end you can buy the machine at market value, extend, upgrade or hand it back. That fits equipment you plan to trade out after a few seasons. A 10% buyout lease sits in between, with a lower payment than a $1 buyout and a set purchase price at the end.

It depends on the price, the term, any money down and the rate you qualify for. Some examples at an assumed 9% with nothing down: a $140,000 used excavator is about $2,906 a month over 60 months, a $250,000 asphalt paver is about $5,190 a month over 60 months or $4,022 over 84, and a $200,000 concrete mixer truck is about $4,152 a month over 60 months. Those are example prices, not quotes. The Quote Builder shows an estimated payment on your own numbers with no credit pull.

Run the numbers first in the Quote Builder: set the equipment cost, term, down payment, and structure and see an estimated payment in a few taps, with no credit pull. When it fits, one short application and a soft credit inquiry get you matched with a dedicated funding professional who manages the deal from application to funding.