Earthmoving Equipment Financing
Excavator, Backhoe & Bulldozer Financing
Excavators, dozers, loaders and graders for site-prep, grading and dirt-work contractors — new or used, with payments that match the work.
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Excavators • dozers • wheel loaders • graders • scrapers • compactors • haulers
Short answer: Excavator and earthmoving equipment financing lets contractors spread the cost of excavators, dozers, loaders and graders over 12 to 60 months, and up to 72 months on newer heavy equipment. Used machines cap at 60 months. Most contractors choose a $1 buyout lease, and established companies can often be approved on an application only up to about $250K.
Dirt work is capital-heavy: one mid-size excavator can cost more than a year of a crew’s wages, and a growing site-prep company needs a fleet. Financing lets you take on the next job with the right machine instead of renting at a premium or draining cash.
Liberty Capital Group finances new and used earthmoving equipment from dealers, auctions and private sellers, for site-prep, grading, excavation, utility and land-clearing contractors.
Earthmoving Equipment We Finance & Lease
Excavators
Mini, compact, mid-size and large excavators, long-reach and demolition configurations.
Dozers
Crawler dozers from small finish dozers to large production machines.
Loaders
Wheel loaders, track loaders, backhoe loaders, skid steers and compact track loaders.
Grading
Motor graders, scrapers and GPS/machine-control systems.
Compaction & hauling
Soil compactors, rollers, articulated haulers, dump trucks and lowboy trailers.
Attachments
Buckets, thumbs, breakers, mulchers, augers and quick couplers — see attachment financing.
Who We Work With
- Site-prep and grading contractors
- Excavation and utility contractors
- Land-clearing and demolition companies (see demolition equipment financing)
- Paving and road builders (see paving equipment financing)
- Equipment dealers offering financing to their buyers
Excavator Lease, Backhoe & Bulldozer Financing Options
| Option | How it works | Best for |
|---|---|---|
| $1 buyout lease (lease-to-own) | You own it for $1 at the end; may qualify for Section 179 | Equipment you plan to keep for years |
| Fair market value (FMV) lease | Lowest payment; return, renew or buy at the end | Equipment you upgrade often |
| Equipment finance agreement (EFA) | You own it from day one; fixed payments | Owners who want the title now |
| Sale-leaseback | Turn equipment you already own into working capital | Funding growth without new debt elsewhere |
Terms run 12 to 60 months on new and used equipment; up to 72 months only on newer heavy equipment such as excavators, dozers and loaders (used equipment caps at 60 months). All approvals are OAC.
Why Contractors Lease Earthmoving Equipment
Conserve cash
Keep your cash and credit lines for payroll, fuel, materials and growth instead of tying them up in equipment.
Cash flow management
A low capital outlay versus buying outright, with fixed payments you can plan around.
Low, manageable payments
Terms up to 60 months spread the cost so the equipment pays for itself as it earns.
Inflation buster
Lock today’s price and a fixed payment while equipment and material costs keep rising.
$1 buyout lease-to-own
Most leases end with a $1 buyout, so you own the equipment at the end of the term.
Section 179 / 100% deduction
Qualifying equipment may be deductible in the year it’s placed in service. Confirm with your CPA; this is not tax advice.
How to Qualify
- Application-only approvals are available on many deals; limits vary by credit, time in business, equipment type and industry, so published amounts (commonly up to $250K) are guidance, not a promise.
- Larger deals ($250K and up) usually need two to three years of business tax returns, interim financials and bank statements.
- $0 down is reserved for established businesses: 5+ years in business, established PayNet and D&B business credit and 700+ personal credit. First and last payments, taxes and documentation fees may still apply and are not a down payment.
- Newer businesses are reviewed case by case, usually with a down payment or additional collateral.
- Specials for well-qualified businesses (OAC): 90-day deferred payments or $99 a month for the first 3 to 6 months.
See our credit guidelines for the full tiers.
How It Works
- Get a quote with the equipment, the vendor quote and the amount. It starts with a soft inquiry.
- Get approved, often the next business day on application-only deals.
- Sign the documents electronically.
- We pay the vendor and you take delivery. Your personal account manager stays with you for the next piece of equipment.
Related Financing
- Heavy equipment financing
- Construction equipment financing
- Skid steer lease-to-own
- Dump truck financing
- Excavator financing guide
- Bulldozer finance tips
Excavator Financing FAQ
How long can I finance an excavator?
Up to 60 months on new and used machines, and up to 72 months on newer heavy equipment for well-qualified contractors. Used equipment caps at 60 months.
Can I finance a used excavator or dozer?
Yes, from a dealer, auction or private seller. We may ask for an inspection or appraisal on older machines.
Is $0 down available on excavators?
$0 down is reserved for established businesses with 5+ years in business, established PayNet and D&B business credit and 700+ personal credit. First and last payments and fees may still apply.
Can a newer contracting company qualify?
Yes, case by case. Expect a down payment or extra collateral; owners with industry experience and contracts in hand are stronger files.
Should I lease or buy an excavator?
If you will keep the machine for years, a $1 buyout lease gives you ownership with a low upfront cost. If you upgrade often, an FMV lease keeps payments lowest.
Can I bundle attachments and a trailer?
Yes. Attachments, a lowboy trailer and a dump truck can be included on the same transaction.
Ready to Add Your Next Machine?
Liberty Capital Group has helped businesses fund equipment since 2004 — over $250 million funded.