Backhoe Financing for Contractors Who Need to Keep Moving

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Getting a backhoe on the job site shouldn't mean draining your operating account. First Financial structures backhoe financing around how contractors actually work — so you keep your capital free for materials, labor, and the next bid.

Put a Backhoe to Work Without Tying Up Your Capital

A backhoe is one of the most versatile machines on any job site, handling everything from utility trenching and foundation work to grading and demolition. But at $50,000 to $150,000 or more for a quality machine, buying outright puts serious pressure on cash flow. Financing lets you match the cost of the equipment to the revenue it generates — keeping your working capital where it belongs.

 

First Financial arranges financing for new and used backhoes from all major manufacturers, including John Deere, Case, Caterpillar, and Kubota. Whether you're adding your first machine or expanding a fleet, we work with contractors at every stage.

Financing Terms Structured Around Your Project Pipeline

Construction cash flow doesn't follow a calendar. Contracts close, projects run long, and slow seasons hit without warning. Our backhoe financing programs are built to reflect that reality rather than fight it.

 

  • Flexible repayment terms ranging from 24 to 84 months
  • Seasonal and deferred payment options available for contractors with cyclical revenue
  • Financing available for both new and used equipment
  • Programs for startup contractors and established firms
  • Competitive rates with no hidden fees buried in the fine print

Credit-Friendly Programs That Look at the Whole Picture

A low credit score or a thin credit file shouldn't be the reason a contractor loses a bid. Our financing programs look beyond the number — considering your time in business, equipment history, revenue trends, and the strength of your current work pipeline. We work with contractors who have been turned away elsewhere and find paths to approval that bank underwriters won't consider.

 

If you're a newer contractor building your credit profile, or an established firm that went through a rough stretch, we can structure a program that works for your current situation — not just your score.

  • Can I finance a used backhoe, or only new equipment?
    First Financial finances both new and used backhoes. Age and condition are factored into the approval process, but used equipment financing is a core part of what we do — not an exception.
  • What credit score do I need to qualify for backhoe financing?
    There is no hard minimum. We review the full picture, including revenue, time in business, and project history. Contractors with challenged credit or limited credit history are welcome to apply.
  • How long does the approval process take?
    Most applications receive a decision within 24 to 48 hours. Once terms are agreed upon and documents are signed, funding typically follows quickly so delivery isn't delayed.
  • Can a startup contracting business qualify for backhoe financing?
    Yes. We have programs specifically structured for newer businesses that may not yet have an extensive financial track record. Startup contractors should apply and let us find the right fit.