Heavy Equipment Financing for Contractors
Financing for excavators, cranes, dump trucks, skid steers and heavy iron across construction, mining and agriculture. Loans from $50,000 to $5M. Seasonal payment schedules available. No business plan required under $500K.
Program Parameters
Heavy equipment financing at a glance
Programs vary by capital source. Final terms disclosed at offer.
$50K to $5M+
Loan Amount
From 7.49%
Rates
Up to 100%
Advance
24 to 72 Hours
Close Time
Heavy equipment we finance
Our network of capital sources specializes in heavy iron across construction, agriculture and industrial sectors. If you do not see your equipment type below, contact us. We handle specialty and large-format transactions regularly.
Excavators and Earthmoving
Mini excavators, full-size excavators, motor graders and scrapers. Earthmoving equipment holds value well relative to its age, which supports high advance rates and favorable terms from our capital sources.
Cranes and Aerial Lifts
Mobile cranes, tower cranes, boom lifts and scissor lifts. Specialized crane financing programs match the asset type and project cycle, including seasonal payment options for contractors with project-based revenue.
Dump Trucks and Trailers
Single and tandem-axle dump trucks, lowboys, flatbeds and specialized trailers. Commercial truck financing programs from capital sources that understand residual values across the full vehicle lifecycle.
Skid Steers and Loaders
Skid steer loaders, compact track loaders, wheel loaders and backhoe loaders. High-demand versatile machines with strong resale markets, which makes them straightforward collateral for equipment financing.
Agricultural and Farming
Tractors, combines, sprayers, tillage equipment and grain handling systems. Agricultural equipment financing includes seasonal payment schedules that align with harvest and crop cycles.
Forklifts and Material Handling
Counterbalance forklifts, reach trucks, order pickers and pallet jacks. Warehouse and distribution equipment programs available for both single units and full fleet financing.
Concrete and Paving
Concrete mixers, pavers, rollers, screeds and finishing equipment. Specialty concrete and paving equipment programs available through capital sources that understand contractor project timelines.
Mining and Quarry
Drilling rigs, crushers, screening plants, haul trucks and conveyor systems. Mining equipment financing for both surface and underground operations, including large-format transactions above $1M.
Programs designed for how contractors actually work
Standard equipment financing was not built for project-based businesses with seasonal cash flow. Our capital sources include programs that accommodate the way construction and agricultural businesses actually operate.
Seasonal Payment Schedules
Construction and agricultural contractors often have uneven cash flow tied to project cycles. Many capital sources in our network offer seasonal payment structures. Higher payments during active season, lower payments during slow season, so the financing fits your actual revenue pattern.
Sale-Leaseback for Immediate Liquidity
Contractors who own heavy equipment outright can sell it to a capital source and lease it back. You receive a lump sum of cash while keeping the equipment in operation. This is one of the fastest ways to unlock capital from assets you already own without disrupting your business.
Fleet Financing
Financing multiple pieces of equipment under a single facility simplifies administration and can improve terms. Fleet programs are available for contractors with three or more units and can be structured to allow additional equipment to be added over time.
No Business Plan Under $500K
For transactions under $500,000 with a borrower who has a solid credit profile and at least one year in business, most capital sources in our network do not require a formal business plan. The equipment itself and your ability to service the payment drive the decision.
Heavy equipment holds value. Lenders know it.
Heavy construction equipment depreciates on a more predictable schedule than most other asset classes. A well-maintained excavator or dump truck retains a meaningful percentage of its value for years after purchase. Capital sources understand this, which is why heavy equipment financing often comes with higher advance rates, longer terms and more flexible structures than financing for general business equipment.
For contractors, this means you can often finance up to 100% of the purchase price on new equipment with a strong credit profile. Used equipment with documented maintenance history can also qualify for high advance rates, depending on age, make, model and market conditions at the time of financing.
Loan vs lease is a real question for heavy equipment. Most contractors prefer to own their heavy iron outright through a loan, because heavy equipment has a long useful life and strong residual value. Leasing makes more sense for equipment that will be returned or upgraded at the end of a short project. We will present both structures with payment estimates so you can choose what fits your situation. See our equipment leasing page for a full breakdown of the leasing option.
Buckle Up Capital is a broker. We do not lend directly. Our role is to match your heavy equipment transaction to the capital source that fits your equipment type, credit profile and transaction size, and to manage the process from application to funding so you can stay on your job site.
How heavy equipment financing works
Tell us what equipment you need, the make, model, year and purchase price. Used equipment is fine. No credit pull at this stage.
We match your deal to capital sources that specialize in heavy equipment for your industry and transaction size. Expect a term sheet in 24 to 48 hours.
For transactions over $500,000, an independent appraisal may be required. For most deals under that threshold, the invoice or dealer quote is sufficient to proceed.
Financing closes and funds release directly to the seller or dealer. You take delivery and put the equipment to work on your next project.
Heavy equipment financing closes faster than most contractors expect. For transactions under $150,000 with a solid credit profile, the process is often just a one-page application, a copy of the invoice or auction purchase agreement and business ownership verification.
For transactions between $150,000 and $500,000, most capital sources ask for two years of business tax returns and a recent bank statement. Above $500,000, full financial statements and possibly a third-party appraisal of the equipment are typically required. We manage all of this on your behalf.
Heavy equipment financing questions
All financing facilitated by Buckle Up Capital is for business and commercial purpose only. Buckle Up Capital is a broker, not a lender. Financing is placed with capital sources in our network. Rates and terms vary by capital source and are not a commitment to lend.
Other business financing solutions
Equipment Financing
Full overview of equipment loans and leasing programs across all asset types.
Equipment Leasing
Compare leasing to buying. Lower monthly payments and end-of-lease upgrade options.
Equipment Programs
Detailed breakdown of all equipment financing and leasing programs in our network.
Apply Now
Submit your equipment request. No credit pull at intake. Term sheet in 24 to 48 hours.
Finance the equipment your crew needs on the next job.
Submit your heavy equipment request and we will match it to capital sources that specialize in your asset type. No credit pull at intake. Term sheet in 24 to 48 hours.