Crane Truck Financing

Crane Truck Financing & Leasing

Crane & Crane Truck Financing and Leasing | Liberty Capital Group
Liberty Capital Group, Inc. | Crane Financing

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.

Master Lease Lines FMV & $1 Buyout EFA Ownership Bad Credit Paths

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
Master Lease simplifies repeat purchases: one approval, multiple schedules, better speed, and pricing leverage.

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 / EFAPay Cash
Working CapitalPreserved for payroll & mobilizationDepleted day one
Inflation HedgeFixed payments as costs riseNone; opportunity cost grows
Upgrade CycleFMV swap/extend or $1 buyNew cash outlay to upgrade
Tax StrategyFMV deductibility or §179 (capital)Depreciation only
Bidding PowerAlign term with contract revenueCash 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 TermBank/LienholderLessor ownsYou (lien filed)
Initial Costs$0 (orig. fees)Low–ModerateVaries
PaymentsMonthly / WeeklyMonthlyMonthly
Credit Minimum (typ.)~550~600~650
Application-Only Max$150k$250k~$250k
Max Term24 mo84 mo (asset/credit-dependent)60–84 mo
Funds Go ToClientVendorVendor
Startup FriendlyLimitedYes (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
“No prepayment penalties” ≠ cancellable. Leases/EFAs are typically non-cancellable; early payoff satisfies the remaining obligation. We’ll show exact payoff math before you sign.

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)

  1. Online Application: Submit and authorize (soft inquiry to start; hard pull at final approval for equipment financing).
  2. Equipment Invoice/Quote: Multiple vendors accepted; private party considered; we can bundle into one payment.
  3. 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.

© Liberty Capital Group, Inc. All rights reserved.

Main: (888) 511-6223 • Hawaii: (808) 900-8029libertycapitalgroup.com

Disclaimer: Educational content — not tax, legal, or accounting advice. Approvals, pricing, and terms depend on credit, asset profile, resale market, and lender guidelines.

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

Tube-bender

Recycling Equipment

Commercial trucks financing

Waste Truck

Tractor

Crushers and Garbage Tractors

Easier to get than a traditional business loan

Business equipment loans are easy to get. Here is why:
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

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.

Vendor Sign Up

Are you equipment dealer or vendor?
please click here to signup for a vendor program, no payment for 90 days, monthly payments upto 60 month

Apply for financing for your customer as a vendor

Get Started Today

Our application process is easy. Simply fill out our quick, online application and start the process of securing financing for your start up practice. Our knowledgeable finance experts are here to assist you in obtaining a start up financing loan.

If you have any questions, we invite you to contact us