Equipment Financing For Construction Industry: By Liberty Capital
Construction Equipment Financing — Built for Contractors
Simple online application. App-only up to $250,000, structured approvals to $5,000,000. Fixed, predictable terms 12–84 months. New or used gear welcome.
Why Liberty vs. Traditional Lenders
- Up to 110% equipment cost (soft costs, delivery, install, taxes)
- Next-day funding approval possible
- 12–60 mo standard; 12–84 mo available on select programs
- No down payment for well-qualified borrowers
- Often does not appear on personal credit
At-a-Glance Benefits
- App-only up to $250k
- Structured to $5M with financials
- Fixed monthly payments
- Fast vendor pay & pre-funding options
Eligible Equipment
- Yellow iron (excavators, dozers, loaders)
- Concrete pumps & mixers
- Trucks & trailers
- Compaction, paving, and sitework gear
Owner’s Advantage
- Preserve cash for labor & materials
- Hedge inflation with fixed payments
- New or used accepted
- Predictable cost of ownership
Types of Construction Equipment Financing
- Equipment Loans: Borrow to purchase; the asset is collateral. Own at payoff.
- Equipment Leasing (FMV or $1 Buyout): Pay for use over 2–5+ years; buy, renew, or return at end.
We’ll model FMV vs. $1 vs. loan side-by-side so you see total cost and cash-flow impact before you decide.
Leasing vs. Loan — Quick Compare
| FMV Lease | $1 Buyout Lease | Equipment Loan (EFA) | |
|---|---|---|---|
| Monthly Cost | Lowest | Low | Low–Moderate |
| Cash Preservation | Best | Strong | Strong |
| Ownership at End | Optional (FMV) | $1 | You own |
| Soft Costs Included | Often Yes | Often Yes | Often Yes |
| Best For | Refresh cycles / tech | Keep long-term | Build equity day one |
Ask About Our Promotions
- $99 for the first 6 months (start with $99)
- 90-Day Deferred Payments (pay $0 for first 3 months)
- Working capital loans for short-term needs
- Fast approvals: online app to $250k; full financials above
- Off-balance-sheet options: FMV / 10% FMV
- $1 buyout options
- Terms from 12–84 months
Why Contractors Choose Liberty
- Approved heavy equipment vendors
- Lowest available rates for qualified borrowers
- No down payment for well-qualified profiles
- Does not usually report to personal credit
- Direct broker-lender with 20+ years in construction finance
Construction Equipment Financing — FAQ
What is construction equipment financing?
Funding to purchase or lease construction machinery without paying the full cost upfront. Repay over time with fixed payments.
Why finance instead of pay cash?
Conserves cash for payroll, materials, permits, contingencies; fixed payments hedge inflation; potential tax advantages (consult your CPA).
What equipment can be financed?
Yellow iron, heavy equipment, trucks, trailers, concrete gear, and more—new or used.
How does the process work?
Apply online → get matched to the right lender/structure → review offers → sign docs → we pay the vendor → you deploy the asset.
What are typical eligibility requirements?
Stable banking, sufficient cash-flow, reasonable credit, and ability to repay. Collateral or personal guarantees may be required.
Are there tax benefits?
Depending on structure and tax law, payments, interest, and/or §179 depreciation may apply. Always confirm with your tax advisor.
Can financing cover install & training?
Often yes. We can include delivery, install, training, warranties, and service agreements when eligible.
How long does approval take?
App-only decisions can be fast (sometimes next day); full financial packages take longer depending on complexity.
How to Apply (Simple Checklist)
- Online Application: One-page app; soft inquiry to start.
- Vendor Quote / Invoice: We pay approved vendors directly; new or used.
- 3–4 Months Bank Statements: Verify cash-flow; set ACH autopay.
- (If requested) Financial statements for tickets above $250k.
Owner vs. Lender — What Matters
| Contractor View | Lender View | |
|---|---|---|
| Cash Flow | Fixed payments fit bids | DSCR, average balances, NSFs |
| Asset Profile | Right machine, right term | Age, condition, resale market |
| Structure | FMV for upgrades; $1 to keep | Exposure limits, PG strength |
| Speed | Deploy to meet timelines | Clean file = faster clear |
We place deals across multiple credit windows so you don’t waste time “bank hopping.”
Build More. Bid Bigger. Finance Smarter.
Model FMV vs. $1 vs. loan before you sign. We’ll show total cost and cash-flow impact so your equipment pays for itself.
Ready to price your next machine? We’ll compare structures and lock in a payment that fits your cash-flow.