Utility & Municipal Financing
Utility crews and municipal fleets can't afford downtime. Our utility and municipal financing program helps contractors, cooperatives, and public works departments acquire crane trucks, digger derricks, and other specialized equipment they need to keep infrastructure running — without tying up the working capital that keeps the rest of the operation moving.
What's Included in Our Utility & Municipal Financing
Flexible Loan Terms
Terms are structured around your project schedule and cash flow, so payments support your crews instead of straining them.
New & Used Equipment Funding
Finance new equipment straight from the dealer or well-maintained used units. We fund a wide range of makes, models, and mileage.
Fast Approval Process
Apply in minutes and get a decision quickly — many contractors and agencies receive same-day approvals based on application strength.
Credit-Friendly Programs
We look beyond the credit score, with programs built for growing companies as well as established municipal contractors.
Nationwide Access
Whether you serve one district or multiple states, our nationwide reach means consistent support wherever your crews operate.
Choosing the Right Financing Option
Our process is built to move at the speed of your work orders — 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 Utility & Municipal Financing We Provide
From line work to street repair, we structure financing around the specific equipment and how your crews use it. Explore the options below.
Crane Truck Financing
Financing for crane trucks that lift and place heavy materials on utility and infrastructure jobs.
Digger Derrick Financing
Financing for digger derricks built for setting utility poles and digging in tight right-of-ways.
Service Body Truck Financing
Financing for service body trucks outfitted with the storage and tools your crews need on the road.
Traffic Control Equipment Financing
Financing for arrow boards, message signs, and other equipment that keeps work zones safe.
Utility Truck Financing
Financing for utility trucks equipped for line work, maintenance, and everyday field service calls.
Vacuum Excavator Financing
Financing for vacuum excavators that expose underground utilities safely without damaging lines.
How does utility and municipal equipment financing work?
Utility and municipal financing lets you acquire specialized trucks and equipment while spreading payments over time instead of paying cash up front. This protects your working capital for labor, materials, and overhead between contracts. Our application process is fast, with many approvals coming the same day.
What credit score do I need to finance utility equipment?
We work with a wide range of credit profiles and look at more than just the score. Many of our utility and municipal 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 utility 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, mileage, and condition of the unit.
Do you finance municipal contractors as well as private companies?
Yes. We work with private utility contractors and municipal contractors alike, with terms scaled to fit fleets of any size.
Which types of utility and municipal equipment can I finance?
We finance crane trucks, digger derricks, service body trucks, traffic control equipment, utility trucks, and vacuum excavators. If it keeps your crews working, we can likely finance it.
