Crane & Crane Truck Financing — Master Leases, FMV & $1 Buyout
Asset-heavy fields run on credit. We structure new or used crane deals with terms up to 84 months, app-only to $250,000 (larger with financials), and options for challenged credit with collateral or down payment.
Industries We Serve & Typical Ticket Sizes
- Construction & Heavy Civil: $150k–$2.5M per crane program
- Transportation / Rigging: $75k–$1.2M lift assets & support trucks
- Warehousing / Industrial: $50k–$750k gantry/overhead/maintenance cranes
- Utilities / Telecom / Oil & Gas: $100k–$2M specialty cranes & boom trucks
Ranges vary by age, capacity (tonnage), brand, and revenue profile.
What Is Leasing?
Leasing lets you use the crane for a fixed term while the lessor owns title. Choose FMV (off-balance-sheet) for lower payments and upgrade flexibility, or $1 buyout for ownership certainty at term end.
Why Lease?
- Preserve cash for labor, mobilization, and bonding
- Hedge inflation with fixed payments
- Match term to contract revenue and utilization
- Potential tax advantages (FMV deductibility or §179 on capital structures — consult your CPA)
Who Leases?
- Contractors adding units throughout the year via Master Lease Agreements (equipment LOC)
- Rigging firms that upgrade capacity (tonnage/reach) frequently
- Industrial plants replacing overhead/gantry cranes on cycles
- Startups & growing firms preserving liquidity for bids & working capital
Why Choose Liberty Capital Group
- Corp-Only Available for qualified multi-owner entities
- Up to 120% of Equipment Cost (soft costs like delivery, rigging, taxes; file-dependent)
- Fast Approvals — one-page app; next-day decisions possible
- No Down Payment for strong files; structured downs for others
- Lowest Rates available for A/B credit tiers
- No “Penalty” for Early Payoff (leases/EFAs are typically non-cancellable; payoff = remaining obligation math)
Credit Guidelines (Quick Screen)
- Active business license/entity & matching docs
- Personal guarantees from all owners
- Minimum FICO ~600 (lower considered with collateral/down)
- No bankruptcies in 7 years; no unresolved tax liens
Bad credit crane leasing possible with additional collateral and/or meaningful down payment. Asset value, brand, and resale market matter.
Borrower Perspective — Benefits & Trade-Offs
Lease / EFA | Pay Cash | |
---|---|---|
Working Capital | Preserved for payroll & mobilization | Depleted day one |
Inflation Hedge | Fixed payments as costs rise | None; opportunity cost grows |
Upgrade Cycle | FMV swap/extend or $1 buy | New cash outlay to upgrade |
Tax Strategy | FMV deductibility or §179 (capital) | Depreciation only |
Bidding Power | Align term with contract revenue | Cash timing may not align |
Lender/Underwriter Perspective — What Drives Terms
- Asset Risk: tonnage, reach, make/model, hours, service records, resale/auction value
- Cash-Flow: bank balances, DSCR, backlog, contract quality
- Structure: FMV vs $1 vs EFA; residuals; down payment; additional collateral
- Documentation: invoice/quote, insurance certs, IDs, UCC/title, vendor verification
Crane Financing Options — Side by Side
Features | Business Term Loans | Equipment Leasing (FMV / $1) | Equipment Financing (EFA) |
---|---|---|---|
Ownership During Term | Bank/Lienholder | Lessor owns | You (lien filed) |
Initial Costs | $0 (orig. fees) | Low–Moderate | Varies |
Payments | Monthly / Weekly | Monthly | Monthly |
Credit Minimum (typ.) | ~550 | ~600 | ~650 |
Application-Only Max | $150k | $250k | ~$250k |
Max Term | 24 mo | 84 mo (asset/credit-dependent) | 60–84 mo |
Funds Go To | Client | Vendor | Vendor |
Startup Friendly | Limited | Yes (structured) | Yes (structured) |
Actual terms depend on credit, asset profile, resale market, and project pipeline.
Programs & Promotions
- $99 for the First 6 Months (kickoff with $99)
- 90-Day Deferred Payments
- No Down Payment for qualified borrowers
- Working Capital Loans for short-term gaps
- Application-Only up to $250,000; full financials above
Master Lease Agreement (Equipment LOC)
- Single master approval; add cranes on sub-schedules
- Locks docs & covenants; speeds execution
- Volume leverage for better pricing over time
- Ideal for firms adding multiple units annually
Cranes & Related Equipment We Can Finance
- All-terrain & Rough-terrain
- Truck-mounted & Boom trucks
- Tower & Crawler
- Gantry / Overhead / Jib
- Lift cranes & Telehandlers
- Flatbed & Support trailers
- Waste / Recycling equipment
- Tractors & Heavy trucks
- Crushers & Specialty rigs
Vendors & Dealers — Partner With Us
We give your buyers a wider credit window and fast, clean funding. Soft inquiry to start each applicant. Nationwide coverage.
How to Apply (Simple Checklist)
- Online Application: Submit and authorize (soft inquiry to start; hard pull at final approval for equipment financing).
- Equipment Invoice/Quote: Multiple vendors accepted; private party considered; we can bundle into one payment.
- Bank Statements (3–4 months): Cash-flow verification and ACH setup.
We can pre-fund approved vendors up to 100%. Used gear generally financeable up to 60–84 months depending on asset and file strength.
Rejected Elsewhere?
Every lender has a credit window. If one said no, it doesn’t mean the market will. With Liberty, you access banks, private lenders, and investors across A–D tiers — including bad-credit crane leasing with collateral or down payment.
Finance or Lease Your Next Crane — Cash-Flow First
Protect liquidity, match payments to revenue, and keep your fleet competitive. We’ll model FMV, $1 Buyout, EFA, and Master Lease side-by-side.
Ready for a Master Lease line? One approval, multiple crane schedules, faster bids.
The Truck Dealers and Equipment Vendor. What part do they play?
If you sell new or used trucks, trailers or machinery including any business equipment, we’d love to partner with you to offer highest approval rate for your clients. Our goal is to get them approved no matter what their credit profile might be. Working with Liberty Capital will give you a wider credit window so you can stop shopping for your clients. We do soft-inquiry for each applicant. Call to speak with one of our Vendor Specialists @ 888-511-6223.
Covers many types of crane equipment in the industry

Recycling Equipment

Waste Truck

Crushers and Garbage Tractors
Easier to get than a traditional business loan
Less paperwork
Fast processing time
Less stringent requirements for qualifying
No collateral needed, the equipment is the collateral
May require less credit score for you and your business as well
Our small business financing experts are available to guide you through the funding Process.
Despite technological advancements, loans, especially in crane 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
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Apply Online
Complete our quick online application. Application takes 5 mins.
Review Your Options
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Get Funds
Money will be deposited in your account in as little as 24 hours.