Construction and Contractors Equipment Financing

On every job, deadlines, safety, and profit all depend on having the right machines on site. Excavators, skid steers, lifts, service trucks, and compactors are costly, and paying cash for them can tie up money you need for payroll and materials. With the right program, you can get construction equipment financing that turns big upfront purchases into manageable payments while your crews keep moving from pour to punch list.

Construction and Contractors Equipment Financing Programs

We design contractor equipment financing with the realities of the field in mind. Weather delays, progress draws, and retainage can all squeeze cash flow, especially when you are trying to grow. Instead of waiting for the next draw to replace a failing loader or add a second mini-excavator, you can use financing to move now and pay over time from project revenue.

Financing is available for new and used equipment from dealers or private sellers, as well as for packages that include tools, attachments, and technology. With flexible terms and a quick review process, contractor equipment finance today gives you a practical way to match payments to the working life of the assets.

Minimum Requirements for Construction Equipment Funding

To qualify for most construction and contractor equipment options, businesses usually meet the following basic guidelines:

Minimum Revenue	$10,000 / month
Length in Business	5 months or more
Ownership %	Minimum of 51% Ownership
Personal Credit	US FICO 500+

Types of Construction & Contractor Equipment Financing Options

Heavy Machinery Financing to Get Construction Equipment Financing

Use this option when you need to get construction equipment financing for big-ticket items like excavators, dozers, graders, cranes, and wheel loaders. Terms are structured around expected usage and lifespan, so payments stay realistic while equipment generates billable hours.

Equipment Financing for Contractors Vehicle & Fleet Needs

This solution focuses on pickups, flatbeds, dump trucks, trailers, and service vehicles. With tailored equipment financing for contractors, you can refresh or expand your fleet without draining the working capital you rely on for fuel, subs, and suppliers.

Contractor Equipment Financing for Tools & Attachments

Ideal for grouping smaller purchases such as compactors, lasers, saws, scaffolding, and skid-steer attachments into one plan. This style of contractor equipment financing lets you outfit crews properly instead of stretching old tools across too many jobs.

Technology & Site-Safety Contractor Equipment Finance Today

Use contractor equipment finance today for layout tech, GPS machine control, drones, cameras, and other safety/compliance gear. Spreading these costs over time helps you meet GC and owner requirements while improving productivity on every site.

Refinance & Consolidation Equipment Programs

If you already have multiple loans or leases on different machines, a consolidation option can simplify payments and, in some cases, lower your monthly outlay. That frees up cash for new bids, emergency repairs, or additional equipment when workloads spike.

Construction & Contractor Equipment Financing Services

Running a contracting business means juggling schedules, subs, inspectors, and clients. The last thing you need is a broken machine stalling a pour or delaying backfill. Our equipment financing services are built to support smooth operations, helping you keep reliable gear on your jobs without tying up every dollar.

We start by learning how your company works: the type of projects you take, typical contract sizes, and your current equipment lineup. From there, we recommend a Construction and Contractors Equipment Financing plan that aligns with your cash flow and growth plans. Documentation is straightforward, approvals are usually quick, and funds are sent directly to the dealer or seller so you can take delivery and get back to work.

Who We Serve

Frequently Asked Questions

What is the process to get construction equipment financing?

You choose the machines you want, then complete a short application and provide recent business information plus an equipment quote or invoice. We review your revenue, time in business, and project pipeline, then return an offer that outlines terms for you to get construction equipment financing. After you accept, we pay the dealer or seller so delivery can be scheduled.

What is the process to get construction equipment financing?

Most plans use fixed monthly payments over a term that fits the type of equipment being financed. This keeps contractor equipment financing predictable, making it easier to plan around draws, retainage, and seasonal slowdowns. Some structures can be customized with lower payments during off-season months

Can I qualify for equipment financing for contractors with a weaker credit profile?

Possibly. While personal credit is considered, many decisions place strong weight on business revenue, bank statements, and the value of the equipment. Contractors with credit challenges may still be eligible for equipment financing for contractors, though they might see different rates, terms, or down-payment requirements.

What are the eligibility requirements for contractor equipment finance today?

Providers typically look for consistent monthly revenue, several months of operating history, majority ownership, and equipment that retains resale value. Meeting these points helps ensure contractor equipment finance today fits comfortably into your budget and supports your long-term growth instead of straining cash flow

Construction and Contractors Equipment Financing