Construction Company Loans & Equipment Leasing
Build more, bid bigger, keep cash for the job
Liberty Capital finances excavation, demolition, paving, concrete, framing, utility and general contractors: earthmoving equipment, trucks, attachments, scaffolding and the working capital to carry payroll until the draw comes in. New or used, dealers or private sellers, nationwide.
Construction equipment by type
Lease, EFA or working capital?
| $1 buyout lease | Equipment finance agreement | Working capital / line of credit | |
|---|---|---|---|
| Best for | Iron you will run for years | Building equity from day one | Payroll, materials, retainage gaps |
| Term | Up to 60 months; 72 on newer heavy equipment** | Up to 60 months; 72 on newer heavy equipment** | 3–24 months |
| Payments | Monthly, fixed; seasonal options | Monthly, fixed | Daily, weekly or monthly |
| Section 179 | Often yes | Yes | No |
| Funds go to | The seller | The seller | Your business |
*Application-only limits vary by credit, time in business, equipment type and industry. **72-month terms apply only to newer heavy equipment (bulldozers, dump trucks, excavators) for well-qualified buyers; used equipment caps at 60 months.
Why contractors lease instead of paying cash
Leasing is an inflation buster: your payment is fixed while steel, fuel and new-machine prices rise. It is cash flow management, a low capital outlay compared with buying outright, so cash stays free for mobilization, payroll and materials while you wait on draws and retainage.
Payments are low and manageable, terms run up to 5 years, and most leases end with a $1 buyout. Equipment may qualify for Section 179, a potential 100% deduction in the year it goes into service (ask your CPA). You conserve cash so you can bid bigger jobs.
Payments built for construction
What it takes to qualify
- $3K–$49,999: 600+ credit, application only
- $50K–$150K: 650+ credit, application only
- $150K and up: 650+ credit, 2–3+ years in business and financials
- Equipment quote or listing; condition report on older units
- $0 down is reserved for 5+ years in business, established PayNet and D&B business credit and 700+ personal credit
Startups
New construction companies are reviewed case-by-case. Industry experience, signed contracts, a newer machine and a down payment all help. Starting with one financed machine builds the PayNet history that opens bigger approvals later.
Construction company equipment financing: the right tool for each need
Construction company equipment financing spreads the cost of excavators, loaders, dozers, dump trucks and attachments into low, manageable monthly payments, so cash stays available for payroll, fuel and materials. Terms run up to 5 years (up to 72 months on some newer heavy units; used equipment typically up to 60), and most leases end with a $1 buyout so you own the equipment.
Construction company equipment financing pairs well with a working capital line for payroll and materials between draws. A fixed payment is also a hedge against rising equipment prices, and many deals may qualify for the Section 179 deduction (up to 100% of qualifying equipment in the year placed in service); see IRS Publication 946 and confirm with your tax advisor. For construction company equipment financing, get a free quote.
Construction equipment financing questions
What construction equipment can be financed?
Excavators, dozers, loaders, skid steers, backhoes, cranes, dump and concrete trucks, attachments, scaffolding and more, new or used.
How long can I finance construction equipment?
Up to 60 months on most equipment. Newer heavy equipment such as bulldozers, dump trucks and excavators can go to 72 months for well-qualified buyers; used equipment caps at 60.
Can I buy used equipment from a private seller or auction?
Private sellers, yes: the seller proves ownership and delivers clear title. Auctions are case-by-case; get approved before you bid.
Are there tax benefits?
Leases with a $1 buyout and EFAs may qualify for Section 179. Ask your CPA.
Can installation, delivery and attachments be included?
Often, yes. Soft costs and attachments can usually be rolled in, subject to approval.
How fast is approval?
Application-only deals often get a decision within a business day; larger deals take longer.
Ready to add your next machine?
Get a free quote or call (888) 511-6223.
Rates and terms disclosure: any rates, payments or terms shown are examples only. Sample rates apply to established businesses with 3 to 5+ years in business and strong credit (680+ FICO), subject to credit approval. Startup rates vary and are subject to final approval. Application-only limits vary by credit, time in business, equipment type and industry; amounts shown are guidance, not a promise. $0 down is reserved for businesses with 5+ years in business, established PayNet and D&B business credit and 700+ personal credit. This is not an offer or commitment to lend. Not tax advice; ask your CPA about Section 179.