Hardscape Installation
Site Work
Grading & Excavation
Finance Equipment Today. Start Earning Tomorrow.
Fund excavators, loaders, compactors, and pavers without draining cash reserves. Get approved in 24–48 hours. Equipment delivered in days, not weeks.
Serving landscape contractors, hardscape installers, grading crews, and site work companies in Hawaii. Application-only approvals up to $150k for qualified applicants.
Equipment We Finance for Ground Contractors
From compact loaders to heavy excavators — if it moves dirt, paves surfaces, or builds hardscape, we’ll finance it.
Excavators & Loaders
Mini-ex, track loaders, skid steers, wheel loaders
Compaction & Grading
Plate compactors, rollers, graders, dozers
Hardscape Tools
Pavers, saws, masonry equipment, block splitters
Trucks & Trailers
Dump trucks, flatbeds, equipment trailers
Three Paths to Funding
Pick the product that matches your cash flow needs and equipment lifecycle.
Own or Lease Your Gear
$1 Buyout (EFA) or Fair Market Value (FMV) options. Terms 24–60 months. Preserve cash for payroll, fuel, and materials.
- Best for: Excavators, loaders, compactors, pavers, trucks
- Approval time: 24–72 hours with complete docs
- Down payment: 0–20% depending on credit and equipment age
Flexible Cash for Day-to-Day Operations
Draw when you need it, repay as jobs close. Interest only on the drawn balance. Great for seasonality, material purchases, and storm surges.
- Best for: Fuel, payroll, aggregate, rental equipment, emergency repairs
- Approval time: 24–48 hours
- Requirements: 12+ months in business, $15k+ monthly revenue
Get Paid Faster on Commercial Jobs
Advance up to 90% against outstanding invoices. Stop waiting 30–60 days for slow-pay municipalities and general contractors.
- Best for: Site work, commercial hardscape, municipal contracts
- Approval time: 48 hours after invoice verification
- Requirements: Creditworthy customers (we advance based on their credit)
Why Ground Contractors Choose Liberty Capital
⚡ Fast Approvals
Most decisions within 24–48 hours. Application-only up to $150k for strong profiles. Full doc for larger packages.
💰 Flexible Structures
$1 buyout, FMV lease, seasonal payment schedules, deferred first payment — matched to your cash flow.
🛠️ Equipment Expertise
We understand compact track loaders, mini-excavators, and hardscape gear. No need to explain what a plate compactor does.
📊 Credit Flexibility
We work with 680+ FICO. Strong cash flow and equipment collateral can offset lower scores.
“We needed a mini-ex and track loader fast to hit a site deadline. Liberty had us approved in 36 hours and equipment delivered within the week. Payment structure matched our job schedule perfectly.”
What You Need to Apply
Keep these ready to speed up your approval.
For Equipment Financing
- 3–6 months business bank statements
- Equipment quote or invoice from vendor
- Driver’s license and voided business check
- Larger deals (>$150k): P&L, tax return, balance sheet
For Working Capital
- 3–6 months business bank statements
- 12+ months in business preferred
- $15k+ monthly revenue (varies by program)
- Use-of-funds plan (fuel, payroll, materials, etc.)
Finance vs. Pay Cash — The Real Math
| Scenario | Finance It | Pay Cash | Better Choice |
|---|---|---|---|
| $85k Mini-Excavator | $8,500 down + ~$1,600/mo × 60 mo. Cash freed for 3 more jobs/mo = $12k revenue. | $85k upfront. Zero cash for materials, fuel, or payroll buffer. | Finance if job pipeline justifies revenue lift > monthly payment. |
| $45k Track Loader | $4,500 down + ~$850/mo × 60 mo. Equipment earns while you pay. | $45k upfront. Opportunity cost = missing jobs while waiting to rebuild cash. | Finance if you can’t afford to sit idle waiting for cash reserves to recover. |