Heavy Equipment Financing for Contractors — Contractor Financing
Finance excavators, bulldozers, and loaders with terms built around your fleet and cash flow. We weigh the value of the equipment first, so newer businesses and owners with imperfect personal credit can still get approved. Get a quote in minutes with no impact to your personal credit score.
Soft inquiry only. Zero cost to apply.
4.9 Excellent · 3,200+ reviews via Big Think Capital- Capital lease
- Operating lease
- Term loan
- Asset-backed
- Vendor financing
- Soft cost
- Down payment
- Seasonal skip
Heavy equipment financing
Financing options matched to your situation, in one place.
- Leasing Equipment leasing programs Lower monthly payments with the option to purchase the machinery at lease end.
- Loans Machinery term loans Own your equipment outright with fixed payments and transparent interest terms.
- Startups New business financing Access capital for used equipment even with limited time in the industry.
- SBA SBA construction loans Government-backed financing for expanding your fleet or acquiring heavy assets.
- $10K–$2M Financing range
- 24–48 hours Time to decision
- 1 soft pull Credit impact
What business owners say
4.9-
This company was lightning fast and the experience was amazing. Thank you, Dan — you're a real pro!
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Good service Joseph Krajewski is the best agent ever. He provided excellent service. I strongly recommend working with him if you have the opportunity.
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They gave me a chance when nobody else would. I'm very satisfied.
How the money moves.
One soft check to match. One hard pull, and only from the lender you choose. That mechanism is why this is not a broker.
Flexible repayment terms
- Choose between monthly or seasonal payment plans.
- Avoid penalties for paying off the balance early.
Used equipment options
- We finance older models and private party sales.
- Condition and age limits are less restrictive than bank loans.
Fast decision timelines
- Receive approval decisions in under 48 business hours.
- Funding occurs once documentation is verified.
Why the usual lenders say no.
Your revenue is real. The problem is the form. Here is why traditional underwriting turns away healthy operators in this space, and what we do differently.
Too much time in business
Banks often demand five years of tax returns for small construction firms.
Credit score under 650
Traditional lenders immediately reject credit scores below the prime threshold.
Incomplete documentation
Missing a single financial schedule can stall a standard bank application.
What a funded request actually looks like.
Composite illustrative scenarios, not specific borrowers. Each is built from the kinds of requests this niche routinely sees.
Excavation contractor
Purchasing a used CAT excavator for a new residential development project.
Small landscaping firm
Leasing a new skid steer for seasonal project demands.
General contractor
Acquiring a fleet of three bulldozers to expand job site operations.
Startup business
Securing first backhoe to initiate site prep work for new clients.
Working capital for your construction site
Need cash for payroll, materials, or insurance while waiting on project payments? Explore our revolving line of credit options designed for small contractors.