Skid Steer Financing for Contractors Who Can't Afford to Wait on Equipment

Black and white truck icon.

Skid steers keep job sites moving — and when you need one, you need it now, not after weeks of bank paperwork. First Financial LLC offers skid steer financing built around how contractors actually work, with flexible terms, credit-friendly approvals, and funding that moves at the pace of your next project.

Put a Skid Steer to Work Without Draining Your Working Capital

Purchasing a skid steer outright ties up tens of thousands of dollars that could be covering materials, labor, and overhead. Financing lets you deploy that capital where it generates revenue while the equipment pays for itself through the work it produces. Whether you're adding a first machine or expanding a fleet, the right financing structure keeps your cash flow intact and your crew productive.

Financing Built Around the Way Construction Work Actually Flows

Standard loan products are designed for businesses with predictable monthly revenue — not contractors managing project-based income and seasonal slowdowns. Our skid steer financing programs are structured with that reality in mind.

 

  • Flexible repayment terms that can align with project timelines and seasonal cash flow
  • Programs available for both new and used skid steers from any manufacturer
  • Financing for attachments and accessories bundled with the equipment
  • Options for startup contractors without an established credit history
  • Credit decisions that weigh the full picture of your business, not just your score

Which Contractors Qualify for Skid Steer Financing?

First Financial LLC works with a wide range of contractors across the country, from owner-operators running a single machine to established firms managing multiple crews. If your business has been turned away by a traditional lender or you're just getting started, our programs are designed to find a path forward. We consider factors like equipment value, project pipeline, and business trajectory — not credit scores alone.

  • How much can I finance for a skid steer?
    Financing amounts vary based on the machine, its condition, and your business profile. First Financial LLC works with contractors across a wide range of transaction sizes, from single used machines to multi-unit purchases. Contact us with the details of what you're looking to acquire and we'll outline what's available.
  • Can I get skid steer financing with bad credit?
    Yes. Our programs are designed to look beyond credit scores and consider the broader picture of your business — including equipment value, project history, and revenue potential. Startup contractors and those with past credit challenges regularly qualify through our programs.
  • How long does the approval process take?
    Many applicants receive decisions quickly once a complete application is submitted. We work to move at the pace your project requires, so the sooner you reach out, the sooner we can get your financing in place.
  • Can I finance attachments along with the skid steer?
    In many cases, yes. Buckets, augers, hydraulic breakers, and other attachments can often be bundled into the same financing package as the machine itself, keeping your transaction simple and your upfront costs manageable.