Construction Financing
Every job site runs on equipment that's ready to work — not equipment that's tying up your capital. Our construction financing program helps contractors, site developers, and paving crews acquire the machinery they need, from a single skid steer to a full grading and excavation package, without draining the cash reserves that keep projects moving.
What's Included in Our Construction Financing
Flexible Loan Terms
Terms are structured around your project pipeline and cash flow, so payments support your bids instead of straining them.
New & Used Equipment Funding
Finance new machinery straight from the dealer or well-maintained used equipment. We fund a wide range of makes, models, and hours.
Fast Approval Process
Apply in minutes and get a decision quickly — many contractors receive same-day approvals based on application strength.
Credit-Friendly Programs
We look beyond the credit score, with programs built for contractors rebuilding credit and established firms alike.
Nationwide Access
Whether you work one county or multiple states, our nationwide reach means consistent support wherever your job sites are.
Choosing the Right Financing Option
Our process is built to move at the speed of your job site — transparent, responsive, and easy to follow from application to funding. Here's what to expect.
- Apply Online: Submit your application in minutes using our secure online form.
- Get Approved: Receive a fast decision — often the same day — based on your business profile and equipment needs.
- Sign & Fund: Complete simple documentation and access funding quickly so you can acquire your equipment.
- Ongoing Support: Reach out anytime with questions — our team is available to help.
Types of Construction Financing We Provide
From earthmoving to paving, we structure financing around the specific machine and how it's used on your job sites. Explore the options below.
Asphalt Equipment Financing
Financing for pavers, rollers, and milling machines that keep paving crews on schedule.
Backhoe Financing
Financing for backhoe loaders that handle digging, trenching, and material handling in one machine.
Bulldozer Financing
Financing for dozers built for grading, clearing, and heavy earthmoving on any size job site.
Compact Track Loader Financing
Financing for compact track loaders that deliver traction and versatility on soft or uneven ground.
Excavator Financing
Financing for excavators of every class, from compact units to full-size machines for major digs.
Motor Grader Financing
Financing for motor graders that fine-tune grade and slope on roadwork and site development jobs.
Skid Steer Financing
Financing for skid steers, the tight-quarters workhorse for grading, digging, and material moves.
Trench Roller Financing
Financing for trench rollers built to compact backfill in tight, narrow excavations.
Wheel Loader Financing
Financing for wheel loaders that move material fast across yards, quarries, and job sites.
How does construction equipment financing work?
Construction financing lets you acquire machinery while spreading payments over time instead of paying cash up front. This protects your working capital for materials, labor, and overhead between projects. Our application process is fast, with many approvals coming the same day.
What credit score do I need to finance construction equipment?
We work with a wide range of credit profiles and look at more than just the score. Many of our construction programs are available starting around the mid-500s, and we can offer credit-building guidance if you're just getting started.
Can I finance used construction equipment, or only new?
Both. We finance new and used equipment, including private-party purchases, across the equipment types listed above, based on the age, hours, and condition of the machine.
Do you finance startup contractors as well as established firms?
Yes. We work with newer contractors financing their first machine as well as established firms adding or replacing equipment, with terms scaled to fit either situation.
Which types of construction equipment can I finance?
We finance asphalt equipment, backhoes, bulldozers, compact track loaders, excavators, motor graders, skid steers, trench rollers, and wheel loaders. If it helps you finish the job, we can likely finance it.
