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ConstructionConstruction equipment financing
New and used heavy equipment for contractors adding capacity, replacing older machines or gearing up for bigger jobs. Single machines or full equipment packages, terms up to 84 months.
What we finance
Excavators
Mini, compact and full-size excavators from CAT, Deere, Komatsu, Kubota, Volvo and more.
Wheel loaders & backhoes
Wheel loaders, backhoe loaders and tool carriers.
Skid steers & track loaders
Skid steers and compact track loaders, with buckets, forks and attachments.
Dozers & graders
Crawler dozers, motor graders and scrapers.
Rollers & pavers
Rollers, plate compactors, asphalt pavers and milling machines.
Telehandlers, lifts & cranes
Telehandlers, boom and scissor lifts, and cranes.
Attachments
Hydraulic breakers, buckets, thumbs, augers, grapples and mulchers, alone or with a machine.
Contractors with a track record
We work best with established contractors who know their market and need equipment to grow in it.
- Excavation, site prep and grading contractors
- Underground utility, sewer and water contractors
- Paving, concrete and asphalt companies
- Demolition and land clearing
- Landscaping, snow removal and hardscape
- General contractors and builders adding their own equipment
Structured around how construction gets paid
New or used
From dealers, auctions or private sellers. Terms on used machines depend on age, hours and condition.
Equipment packages
Several machines, attachments and a truck and trailer financed together in one deal.
Seasonal-friendly payments
Where available, payment structures that account for slower winter months.
Longer terms
Terms up to 84 months to keep payments in line with job revenue.
Rental buyouts
Financing to buy out equipment you've been renting and now use every day.
Refinance & cash-out
Put equity in owned machines to work. Learn more
What to have on hand
Having these ready usually speeds up approval.
- Business name, EIN and years in business
- Recent business bank statements (usually 3 to 6 months)
- Business tax returns for larger requests
- Equipment quote or invoice: year, make, model, serial number and hours
- A list of the equipment you already own or finance
- Insurance agent contact
Construction financing FAQ
Can I finance a used excavator or loader with high hours?
Often yes. Terms are shorter on older, higher-hour machines. Send the year, make, model and hours and we'll tell you what's realistic.
Can I buy equipment at an auction?
Yes. Talk to us before you bid so financing is lined up in time to pay the auction.
Can I finance attachments on their own?
Yes. Breakers, buckets, augers and other attachments can be financed alone or with a machine.
Do you finance equipment for seasonal businesses?
Yes. Many contractors earn most of their revenue in warmer months, and some programs offer payment structures that account for that.
Can I buy out equipment I'm renting?
Usually yes. A rental buyout can make sense when you're using the machine every day.