Construction Equipment Financing
Renting is the easy call. It is, right up until that excavator has sat on your job since spring and the invoices bought a machine that leaves with somebody else. Owning changes that arithmetic, and it doesn’t have to start with the biggest machine on the lot: a used skid steer, or a dozer whose depreciation somebody else ate.
Get approved. Get equipment. Get to work.
- Amount
- $25,000 and up
- Term
- 24 to 72 months
- Down Payment
- As low as 10%
From Auction Row To Your Yard
- Any brand, including CAT, Deere, Komatsu, Bobcat, Kubota and Takeuchi
- Auction and private party purchases funded, out of state included
- Buckets, breakers, grapples and thumbs in the machine deal or on their own
- Seasonal structures for weather-dependent site work
Bad Credit Excavator Loans, Auction Or Private Sale
The machine you want is usually somewhere inconvenient. An auction yard two states over, or a contractor downsizing who wants the excavator off his yard by month end. Sellers like that run on their own clock. The auction house wants funds inside its payment window, and a private seller with two other guys calling will not wait on your paperwork. So the approval comes first and the bid comes second. A dealer’s used row is kinder on timing, and we place the paper the same either way. What a lender looks at first is hours and service history, because that is what tells them what the machine brings at the next sale. A score that has taken a beating gets weighed alongside all of that, not ahead of it.
A bid you cannot pay for is just noise in the yard.
Where Contractors Get It Wrong
Can I finance a machine from a private seller in another state?
Nothing on a purchase like this passes through your hands, and that’s what makes the distance manageable. Funds go to whoever actually owns the machine, and the payoff gets cleared before the title transfers. Somebody who isn’t you should inspect the iron before it moves. A seller three states over is no worse than one across town.
Do you finance attachments?
A coupler or a breaker can go on the machine’s paper, and buying it a month after delivery only moves the cost into the operating account you were trying to protect.
Is used construction equipment harder to finance?
Depends whether anybody within a day’s drive still stocks parts for it. A common brand with a supply counter nearby gets placed without much argument; an orphan whose manufacturer quit supporting it does not. A machine nobody nearby will touch is a machine that sits.
Your Fleet Outgrows The First Machine
Same one-page application. Most of the people we work with run more than one kind of machine.
Directional Drilling & Boring Rig Loans
Rig, locator, mud system and pipe on one deal
See terms
Flatbed, Step Deck & RGN Trailer Loans
Trailer only, when the tractor is already yours
See terms
Dump Truck Loans & Financing
Tri-axles through super dumps. New or used, dealer lot or private seller.
See termsGet Approved. Get Equipment. Get To Work.
No excuses. No BS. Tell us what you need and we’ll tell you honestly where you stand.