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 equipment loan programs offer quick approvals, flexible terms, and competitive rates. Credit scores as low as 630 accepted.

Check Eligibility How it Works

Equipment Age

New & Used

Payment Style

Monthly

Credit Score

630+ Accepted

Speed

Pre-approval in 60 seconds

Heavy Equipment Financing Built for Construction Professionals

Finding the right heavy equipment loan shouldn't slow down your business. We connect 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.

Get pre-qualified in 60 seconds and know your budget before you shop. Our programs accept credit scores starting at 630+, offer flexible 3-7 year terms, finance both new and used equipment, and work with any purchase source.

Why Choose Our Heavy Equipment Financing?

Our equipment financing programs are designed specifically for the construction and industrial sectors.

Fast Pre-Approval: Know your budget before you shop. Never miss an auction opportunity or delay a project waiting on financing. Our 60-second pre-qualification gives you the confidence to bid and negotiate.

Wide Credit Acceptance: Options starting at 630+ credit scores. We work with contractors banks often decline. Strong cash flow and business revenue can compensate for credit challenges.

Flexible Payment Terms: Choose from 3-7 year terms with seasonal options that match your cash flow cycles. Construction businesses have unique revenue patterns, and we build loan structures around them.

Multiple Funding Sources: Access to diverse lender network means more options and better rates for you. We compare offers to find the best fit for your situation.

Construction cash flow is seasonal. Our seasonal payment programs let you pay more during busy months and less during slow periods. Match your heavy equipment loan payments to your actual revenue cycles.

Construction Equipment Financing Options

We offer multiple construction equipment loan structures 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
Seasonal Plans	Match payments to your cash flow cycles	Seasonal businesses

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

Industrial Equipment We Finance

From startup contractors to established construction firms, our 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? We likely finance it. Just ask our team about your specific heavy equipment loan needs. Most construction and industrial equipment qualifies.

Who Qualifies for an Equipment Loan?

Our equipment financing programs serve a wide range of construction and industrial businesses:

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

With credit requirements starting at 630+ (sometimes lower with strong revenue), we help both startups 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?

Our heavy equipment financing programs accept credit scores as low as 630-650+. In some cases, we can work with lower scores if your business demonstrates strong revenue. 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?

Pre-qualification takes just 60 seconds through our online platform. After pre-approval, final funding timelines depend on the specific equipment loan program and documentation required. Our streamlined process is designed to move much faster than traditional bank financing.

Do you offer seasonal payment programs for equipment financing?

Yes! We understand that construction businesses often experience seasonal cash flow variations. Our seasonal payment programs allow you to align your heavy equipment loan payments with your busiest revenue periods, reducing financial strain during slower months.

Can I get equipment financing for auction purchases?

Absolutely. We provide 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. We also finance 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. We offer both industrial equipment financing structures based on your cash flow needs and tax strategy.

Why should I choose specialized equipment financing over a bank loan?

Specialized heavy equipment lenders offer faster approvals, wider credit acceptance, and industry-specific expertise that traditional banks lack. We understand construction equipment lifecycles and contractor cash flow challenges. Our 60-second pre-qualification and multiple equipment loan options give you flexibility that generic bank lending simply cannot match.

What types of construction equipment can I finance?

Our 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, we likely have a heavy equipment loan program that fits.

Can startups qualify for heavy equipment loans?

Yes! While many banks require years of business history, our equipment financing programs include options specifically designed for newer construction companies. Strong personal credit, industry experience, and solid business plans can help startups qualify for the construction equipment financing they need to grow.

Get Pre-Approved

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

By clicking, you agree to our terms. Your data is secure.

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.

Resource Center

Equipment Financing with Bad Credit: Your Complete Guide to Approval