Equipment financing and working capital for contractors
Contractors float payroll and materials for weeks before a job pays. We help general contractors and subcontractors buy trucks and equipment, cover cash-flow gaps and take on bigger jobs, with lenders that understand construction. Equipment leasing, term loans, lines of credit and working capital under one roof.
Financing by trade
Each trade uses different equipment and gets paid differently. Pick yours for examples and terms.
Which financing fits the job?
| Best for | Speed | Keep in mind | |
|---|---|---|---|
| Equipment lease / EFA | Trucks, machines, tools | 24–48 hrs | Equipment is the collateral |
| Term loan | Expansion, larger purchases | Days to weeks | Fixed payments, stronger credit |
| Line of credit | Materials, payroll between draws | Days | Pay interest only on what you use |
| Working capital | Short gaps, new contracts | 1–3 days | Shorter terms, higher cost |
| Invoice factoring | Slow-paying customers | Days | Advance on unpaid invoices |
| Merchant cash advance | Fast cash, flexible credit | 24–48 hrs | Most expensive; use sparingly |
We will tell you straight when a cheaper option fits. A cash advance should never be the first answer for an equipment purchase.
Watch: funding your equipment
Funding your equipment.
Turned down by your bank? Watch this.
Why contractors choose Liberty Capital Group
What you need to apply
- Online application (soft inquiry first)
- Equipment invoice or quote (multiple vendors OK)
- 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.
- Get optionsWe compare lenders for your trade.
- SignE-sign the offer you choose.
- Get to workWe pay the vendor or fund your account.
Contractor funding: common questions
What kinds of contractors do you finance?
General contractors and subcontractors of all kinds, including roofers, plumbers, electricians, HVAC, paving and concrete, landscaping, tree service, framing, painting, excavation and more.
Can I finance used trucks and heavy equipment?
Yes. We finance used trucks, cranes, boom lifts, excavators and other heavy equipment from dealers or private sellers, subject to age and condition.
Can I get working capital for materials and payroll?
Yes. Lines of credit and working capital loans can bridge the gap between paying for materials and getting paid on the job.
I am a new contractor. Can I qualify?
Often, yes. Startups 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 decide to move forward with an offer.
Ready to fund your next job?
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 contractors 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.