Flexible Loader & Construction Equipment Financing
Upgrade wheel loaders, skid steers, track loaders, backhoes, bulldozers, and earthmoving equipment without draining cash reserves. We structure financing and leases to fit project cycles, seasonal demand, and fleet expansion for contractors.
Compare Business Loans, MCA, and Equipment Financing
| Feature | Business Loans | Merchant Cash Advance | Equipment Financing |
|---|---|---|---|
| Ownership | 50% | 50% | 100% |
| Origination / Admin / Titling Fees | Low | Low to moderate | Varies |
| Payment Cadence | Monthly, Daily, Weekly | Daily / Weekly | Monthly |
| Credit Minimum | 600 | 500 | 650 |
| Disbursement | Client | Client | Vendor |
| New/Used Eligible | n/a | n/a | Yes |
| Maximum Term | 24 months | 12 months | 60 months |
| Time in Business | 2+ years | 6 months | Startup OK |
| Rates | Moderate | High | Low |
| Application-Only | $150K | $250K | $250K |
| Funding Time | Same day funding | Same day | 1–5 days |
Reality check: MCA is fast but expensive. If equipment is the driver, equipment financing or leases usually deliver the best total cost and fit for construction contractors. Finance A Skid Steer With Bad Credit in Florida with multiple loan programs for secured loan and unsecured business loans.
Promotions & Flexible Programs
- $99 for the first 12 months
- 90-Day Deferral (no payments first 3 months)
- Seasonally varied plans for project cycles
- 0% for 24 months with 20% buyout (select equipment)
- Stepped-down leases that follow depreciation
- Fast online approvals to $150,000 (higher with financials)
Loader & Construction Equipment Financing vs. Leasing
Heavy Equipment Financing
Own your loaders, backhoes, and construction equipment over time with fixed payments and terms up to 60 months.
- Build equity in wheel loaders, skid steers, backhoes & bulldozers
- Vendor paid directly; delivery often included
Heavy Equipment Leasing (FMV)
Off-balance-sheet style option with end-of-term flexibility.
- Lower monthly payment; 100% deductible payments (consult CPA)
- Options to purchase (e.g., 10% or FMV), return, or upgrade
Both paths preserve cash, avoid large upfront costs, and keep your fleet competitive for bidding on larger contracts.
Explore Loader & Construction Equipment Financing Programs
- Up to 120% equipment cost (soft costs included)
- App-only up to $150,000
- Up to $5,000,000 with financials
- Next-day funding approval
- 12–60 month fixed terms
- No down payment for qualified borrowers
- Competitive rates for qualified credit
- New & used equipment eligible
- Does not report to personal credit
- No pre-payment penalties
Credit Requirements for New Contractors
- Active business license / entity
- Personal guarantees from all owners
- Minimum 600 credit score
- No bankruptcies in last 7 years
- No unresolved tax liens
What Is “Application-Only” Equipment Financing?
When you don’t have full financials (common in newer contracting businesses), application-only lets you qualify based on time in business, credit history, and bank statements—without tax returns. Apply to $250,000 application-only in select programs.
Loaders & Construction Equipment We Finance
- Wheel loaders, front loaders, pay loaders
- Skid steer loaders, compact track loaders (CTLs)
- Track loaders, crawler loaders
- Skip loaders, swing loaders
- Backhoe loaders, loader backhoes
- Bulldozers, crawler dozers, wheel dozers
- Mini loaders, compact wheel loaders
- Telehandlers, telescopic handlers
- Excavators, mini excavators, long-reach excavators
- Motor graders, scrapers, compactors
- Trenchers, directional drills
- Attachments: buckets, forks, grapples, augers
Why It’s Easier Than a Bank Loan
- Less paperwork
- Equipment is the collateral
- Faster processing & funding
- Flexible credit windows
Industries We Serve
- General contractors
- Excavation & grading contractors
- Landscaping & land clearing
- Site development
- Road & highway construction
- Utility contractors
- Agricultural operations
- Snow removal services
Loader & Construction Equipment Financing — FAQ
How does equipment financing work for construction contractors?
We fund the purchase or lease of your equipment. You repay in monthly installments over a set term. With leasing, you may buy, return, or upgrade at term end—ideal for keeping your fleet current with the latest technology.
What loader equipment can be financed?
Wheel loaders, skid steers, track loaders, backhoes, bulldozers, excavators, telehandlers, and attachments—new or used. We pay approved vendors and dealers directly.
What are the benefits vs. paying cash?
Preserve capital for payroll and materials, match payments to project revenue, potential tax benefits (Section 179), and scale your fleet to bid on larger contracts.
Is a down payment required?
Depends on credit, time in business, and program. Many qualified borrowers can access $0 down options.
Can I finance used loaders and construction equipment?
Yes. We finance both new and used equipment from dealers and private sellers. Used equipment like Caterpillar, John Deere, Kubota, Bobcat, and Case can offer significant savings while still meeting job requirements.
Can I finance multiple machines or a full fleet?
Yes. Use financing to add equipment, replace aging machines, or expand your entire fleet. We can bundle multiple assets into one monthly payment and structure seasonal payments around your project cycles.
Can I include attachments in my financing?
Yes. Buckets, forks, grapples, augers, breakers, and other attachments can be bundled with your loader or financed separately.
What Do I Need to Apply?
- Online Application: Complete, upload, authorize. Soft inquiry up front; hard inquiry may occur upon approval for equipment financing.
- Equipment Invoice/Quote: Multiple vendors welcome. We can bundle into one monthly payment.
- 3–4 Months Bank Statements: To verify income, banking, and funds; align for ACH autopay.
Online Application — Loader & Construction Equipment Financing
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