Excavator & Heavy Equipment Financing
Earthmoving iron holds value better than almost any other business asset, which is exactly why it finances well even when the operating company's balance sheet is ordinary. A late-model excavator with documented hours has a deep, national resale market. That collateral strength is the lever we use to get contractors approved on terms a cash-flow-only underwriter would never offer.
Excavator and heavy equipment financing for contractors: mini-ex to 50-ton, dozers, loaders, and graders. $50K to $5M, funded in 5-10 business days.
Price excavators & heavy equipment financing
Two quick steps. An advisor responds within 24-48 hours.
The numbers on this asset
Who finances excavators & heavy equipment
- Site and utility contractors scaling from rental to owned iron once utilization passes roughly 60%
- Demolition firms adding high-reach or processor-equipped machines for a specific contract
- Pipeline and solar civil crews mobilizing to a new region and needing machines on site fast
- Land clearing and forestry operators pairing a carrier with mulching or grinding attachments
Converting a rental fleet to owned iron
A Colorado utility contractor had four machines on rental-purchase agreements burning roughly $28,000 a month. We placed $1.4M to buy out all four units at once — exercising accrued RPO credits as effective equity — at 72 months. Monthly service dropped to roughly $21,400 and the contractor owns the iron at the end instead of returning it. Approval in 2 business days, funded in 9.
What underwriting actually looks at
Approvals on this asset class turn on a short list of specifics. Have these ready and most files get an answer inside 24-48 hours.
Excavators & Heavy Equipment financing questions
Get excavators & heavy equipment financing priced
Send the unit, the invoice or auction lot, and three months of bank statements. Approvals typically come back in 24-48 hours and funding follows in 5-10 business days.