Industry Financing

Heavy Equipment Financing for Construction & Industrial Projects

Get the heavy equipment financing you need to grow your construction or industrial business. Whether you need an excavator, loader, or dump truck, our partner Cardiff offers zero-down programs, fast 4-hour approvals, and flexible 12-84 month terms. Credit scores as low as 470 accepted.

Check Eligibility How it Works

Equipment Age

New & Used

Payment Style

Monthly

Credit Score

470+ Accepted

Speed

Approval in 4 hours

Heavy Equipment Financing Built for Construction Professionals

Finding the right heavy equipment loan shouldn't slow down your business. Our featured partner Cardiff connects contractors and industrial operators with fast, flexible construction equipment financing that matches your project timelines. Learn more about how equipment financing works or see what it takes to qualify.

Submit a 5-minute application and get approval in as fast as 4 hours. Cardiff accepts credit scores starting at 470+, offers flexible 12-84 month terms, finances both new and used equipment, and includes zero-down payment options that preserve working capital.

Why Choose Cardiff for Heavy Equipment Financing?

Cardiff's equipment financing programs are designed specifically for the construction and industrial sectors.

Fast Approval: Know your budget before you shop. Never miss an auction opportunity or delay a project waiting on financing. Cardiff's 5-minute application and 4-hour approval timeline give you the confidence to bid and negotiate.

Wide Credit Acceptance: Options starting at 470+ credit scores, among the most accessible in the industry. Cardiff works with contractors banks often decline. Strong cash flow and business revenue can compensate for credit challenges.

Flexible Payment Terms: Choose from 12-84 month terms with options that match your cash flow needs. Construction businesses have unique revenue patterns, and Cardiff structures loans accordingly.

Zero Down Payment Programs: Cardiff's signature $0 down option finances 100% of equipment cost, preserving working capital for operations, fuel, and payroll. Ideal for cash-constrained contractors who need to deploy iron without depleting reserves.

Construction Equipment Financing Options

Multiple construction equipment loan structures are available to fit your business needs:

Financing Type	How It Works	Best For
Equipment Loans	Own your machinery from day one and build equity	Long-term ownership
Equipment Leases	Lower monthly payments with purchase options at term end	Lower payments
Sale-Leaseback	Convert owned equipment into working capital while keeping it in service	Cash flow needs

Whether you're buying from dealers, auctions like Ritchie Bros or IronPlanet, or private sellers, Cardiff facilitates industrial equipment financing for any purchase source.

Industrial Equipment We Finance

From startup contractors to established construction firms, Cardiff's industrial equipment financing covers the heavy machinery that keeps your projects moving:

Earthmoving Equipment

Excavators
Bulldozers
Wheel loaders
Skid steers
Backhoes

Transport and Hauling

Dump trucks
Flatbed trailers
Semi-trucks
Lowboys

Lifting Equipment

Tower cranes
Mobile cranes
Boom lifts
Scissor lifts

Site Preparation

Graders
Compactors
Pavers
Rollers

Don't see your equipment type listed? Cardiff likely finances it. Most construction and industrial equipment qualifies for their heavy equipment loan programs.

Who Qualifies for an Equipment Loan?

Cardiff lists Construction, Excavation, Contracting, Masonry, and Landscaping as dedicated industries they serve, which makes them a natural fit for heavy machinery financing. Their equipment financing programs work for a wide range of construction and industrial businesses:

General contractors
Excavation companies
Road construction firms
Demolition companies
Masonry contractors
Landscaping operations
Mining and quarry businesses

With credit requirements starting at 470+ and only 6 months in business required, Cardiff helps both newer companies and established firms access the industrial equipment loan programs they need. Even contractors with challenged credit can often qualify.

Ready to get started? Use our equipment financing calculator to estimate your monthly payments, or check your eligibility in minutes. Don't miss the Section 179 tax benefits that could save you thousands on your next equipment purchase.

Why Finance Your Equipment?

What Can You Finance?

Excavators

Loaders

Dump Trucks

Bulldozers

Frequently Asked Questions

What credit score do I need for heavy equipment financing?

Cardiff's heavy equipment financing programs accept credit scores as low as 470, among the most accessible in the industry. Strong cash flow and business revenue can compensate for lower credit scores. This is significantly more flexible than traditional banks, which often require 680-700+ for construction equipment loans.

How quickly can I get approved for a construction equipment loan?

Cardiff's online application takes just 5 minutes, and approval can come in as fast as 4 hours for qualified borrowers. After approval, final funding typically completes within 7-14 days. This is significantly faster than the 2-4 weeks traditional bank financing typically requires.

Do you offer zero down payment programs for equipment financing?

Yes. Cardiff's signature feature is its $0 down payment program, which finances 100% of equipment cost. This preserves your working capital for fuel, payroll, and operations rather than tying it up in down payments. The tradeoff is typically a slightly higher rate, but the cash flow benefit often justifies the premium for contractors managing project-based revenue.

Can I get equipment financing for auction purchases?

Absolutely. Cardiff provides pre-approval before you head to auctions at Ritchie Bros, IronPlanet, or other venues. This gives you the confidence to bid knowing your construction equipment financing is already in place. Cardiff also finances purchases from dealers and private sellers.

What's the difference between an equipment loan and equipment lease?

With an equipment loan, you own the heavy machinery from day one and build equity with each payment. An equipment lease involves lower monthly payments for the right to use the equipment, typically with purchase options at term end. Cardiff offers both industrial equipment financing structures based on your cash flow needs and tax strategy.

Why should I choose a direct lender over a bank loan?

Direct lenders like Cardiff offer faster approvals, wider credit acceptance, and industry-specific expertise that traditional banks lack. Cardiff understands construction equipment lifecycles and contractor cash flow challenges. Its 5-minute application, 4-hour approval, and zero-down options give you flexibility that generic bank lending simply cannot match.

What types of construction equipment can I finance?

Cardiff's industrial equipment financing covers virtually all heavy machinery including excavators, loaders, bulldozers, dump trucks, cranes, graders, compactors, and more. If you need equipment for construction, earthmoving, or industrial applications, Cardiff likely has a heavy equipment loan program that fits.

Can startups qualify for heavy equipment loans?

Yes. While many banks require 2+ years of business history, Cardiff's programs accept businesses with as little as 6 months in operation. Strong personal credit, industry experience, and $100,000+ in annual revenue can help newer construction companies qualify for the equipment financing they need to grow.

Get Pre-Approved

No hard credit pull to see your options. Decisions often within 24 hours.

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EquipRates

Industry Finance Specialists

Experts in equipment finance

"We work with industry equipment buyers every day. Our team understands the equipment lifecycle, vendor relationships, and financing structures that work best for this industry."

Learn more about us

Simple 3-Step Process

We've removed the friction from equipment financing. Get back to work faster.

Apply Online

Fill out our simple 2-minute application. No paperwork, no tax returns needed for deals under $250k.

Get Approved

Review your offers with a dedicated account manager. Pick the term and payment that fits your budget.

Get Funded

Sign documents electronically. The lender pays the vendor directly, and you get your equipment.

Ready to Scale Your Business?

Compare options and apply in minutes - without weeks of back-and-forth.

Get My Options

No obligation. No impact to credit score to apply.

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