Equipment financing and working capital for framers and painters
Framing and painting crews live on tight schedules and slow-paying general contractors. We help you buy the trucks, lifts, sprayers and tools that win bigger jobs, and bridge the gap between payroll and the GC’s check with working capital and lines of credit.
Equipment framers and painters finance
New or used, from dealers or private sellers, often with multiple vendors on one payment.
What the equipment costs
| Equipment | Typical price | Notes |
|---|---|---|
| Commercial airless sprayer | $3,000 – $15,000 | Rig-mounted units cost more |
| Scissor lift (26–32 ft) | $15,000 – $40,000 | Used units widely available |
| Boom lift (40–60 ft) | $50,000 – $120,000 | Articulating or telescopic |
| Telehandler | $70,000 – $180,000 | Capacity and reach drive price |
| Enclosed trailer | $8,000 – $25,000 | Shelving and upfits extra |
| Work truck or van | $45,000 – $90,000 | Upfits can be included |
Estimates only, not quotes. Smaller tool purchases can be bundled into one agreement to meet lender minimums.
Which financing fits?
| Best for | Keep in mind | |
|---|---|---|
| Equipment lease / EFA | Lifts, sprayers, trucks | Equipment is the collateral |
| Line of credit | Materials and payroll between draws | Pay interest only on what you use |
| Working capital loan | Mobilizing a big job | Shorter terms, higher cost |
| Invoice factoring | Slow-paying GCs | Advance on unpaid invoices |
We will tell you straight when a cheaper option fits your situation.
Watch: funding your equipment
Funding your equipment.
Turned down by your bank? Watch this.
Why framers and painters work with us
What you need to apply
- Online application (soft inquiry first)
- Equipment quote or invoice
- 3–4 months of business bank statements
- Contractor license and insurance may be requested
- Financials or tax returns for larger requests
See where you stand with the approval indicator.
$99 a month to start
For well-qualified contractors (strong credit, 3+ years in business and quality equipment) some programs start at $99 a month for the first 3 or 6 months.
From application to job site
- Apply in 3 minutesNo fee, no obligation.
- Compare offersWe explain each option.
- E-signSign online.
- Get to workWe pay the vendor or fund your account.
Framers and painters financing: common questions
Can I finance a paint sprayer or small tools?
Yes. Smaller items are often bundled together, or with a truck or trailer, to meet lender minimums and keep one monthly payment.
Can I finance a used lift or telehandler?
Yes, from dealers, auctions or private sellers, subject to age and condition.
How can I cover payroll while waiting on the GC?
A line of credit or invoice factoring can bridge the gap between paying your crew and getting paid on the job. We will compare costs with you.
I just started my framing or painting business. Can I qualify?
Often, yes. Owners with good personal credit and industry experience can qualify for equipment financing, sometimes with a down payment.
Will applying hurt my credit?
We start with a soft inquiry. Lenders pull credit only once you choose to move forward.
Ready to take on bigger jobs?
Apply in 3 minutes or get a free quote. No fee, no obligation.
All financing subject to credit approval; terms vary by credit, time in business, financials and equipment. Liberty Capital Group, Inc. is not a tax advisor. NMLS #2009539 · CA DFPI #60-DBO49692.
Our small business financing experts are available to guide you through the funding Process.
Despite technological advancements, loans, especially in crane and boom truck and equipment financing, predominantly involve personal interaction with an underwriter to ensure as fraud prevention. Automation may not suffice, particularly when dealing with a third party like the vendor and the complexities of equipment purchase. In such scenarios, business owners are often better served by collaborating with a Business Loans Broker like Liberty Capital Group, Inc., who can steer them in the right direction.
Instant Quote Online
Use our instant online quote calculator to get an accurate no obligation quote.
Apply Online
Complete our quick online application. Application takes 5 mins.
Review Your Options
We will contact you to review your options.
Get Funds
Money will be deposited in your account in as little as 24 hours.