Whether you're grading lots, digging foundations, or managing large-scale excavation projects, the right equipment is everything—and a dependable excavator can make or break your timeline. At TruckLenders USA, we make excavator financing fast, simple, and built for contractors, not paperwork.
We work with builders, grading companies, and site prep crews across the U.S., offering fast-track approvals and no-nonsense equipment loans up to $250,000. If you’ve got 650+ credit and a business generating revenue, we’ll help you get your next excavator on the job—fast.
No two job sites are the same—and neither are the excavators that power them. That’s why we offer flexible financing options for a wide range of equipment types and sellers:
New and used excavators
Dealer or private party purchases
Mini, mid-size, and full-size excavators
All major brands: CAT, Komatsu, John Deere, Kubota, Hitachi, Volvo, Takeuchi, Bobcat, and more
From a compact 6,000 lb. mini-ex for residential jobs to a 75,000 lb. machine built for commercial demo, we help you finance the exact equipment your business needs—no red tape, no hassle.
Buying an excavator outright is a major investment. For most construction businesses, financing makes more sense—especially when speed, cash flow, and flexibility matter.
Here’s why thousands of contractors choose to finance:
Preserve cash flow – Keep working capital available for payroll, materials, or fuel
Asset-backed – The equipment itself secures the loan, giving you better rates and terms
Tax benefits – Deduct interest and depreciation under Section 179
Start jobs faster – Get the machine you need now and pay over time
With a well-structured loan, your equipment can pay for itself as you use it on active jobs—without draining your reserves.
We’ve designed our loan programs to meet the real-world needs of construction professionals. Whether you’re financing a single mini-excavator or multiple full-size units, we’ll tailor a deal that fits your timeline and budget.
Loan amounts up to $250,000
Terms from 36 to 72 months
Soft credit pull to apply—no impact on your score
Same-day approvals available in many cases
No prepayment penalties on most loans
And yes—we finance attachments and transportation trailers as part of the package if needed.
We know you’re busy running a business, not a paperwork factory. That’s why we keep our qualification process lean and straightforward.
To qualify for excavator financing, you’ll typically need:
650+ credit score
2+ years in business (we also consider startups with strong credit)
$15,000+ in monthly business revenue
A registered business: LLC, Corporation, or Sole Proprietor
There’s no need for tax returns, business plans, or P&L statements. Just the essentials to get your deal approved and moving forward.
We’re not a bank—and that’s exactly why contractors trust us.
TruckLenders USA is a commercial-only equipment lender with over 30 years of experience financing machinery for businesses just like yours. We know the construction industry. We understand the equipment. And we’re built to move fast.
Here’s what sets us apart:
No tax returns required – Save time, skip the paperwork
No hard credit pull to apply – Get prequalified in 60 seconds
Real human support – Our specialists guide you from start to funded
30+ years in commercial lending – We've seen it all, and we’ll help you structure the right deal
Whether you’re financing a $40K used Kubota or a $200K CAT 349, we’ll help you get it done without the fluff.
Can I finance a used excavator from an auction?
Yes. We finance used equipment from auctions (like Ritchie Bros., IronPlanet, etc.) and private sellers. We just need the sale details or invoice to get started.
Can I finance multiple machines at once?
Absolutely. We can bundle multiple excavators or other equipment into one loan or create a custom financing plan to match your fleet expansion needs.
Do I need a CDL or special license to qualify?
No commercial license is required. We focus on your business history, revenue, and credit—not your license type.
What if I’m just launching my business?
Startups with strong personal credit (typically 700+) and verifiable income may still qualify. Reach out—we’ll evaluate your situation individually.
Want to explore more options for your fleet?
Explore more at our construction equipment financing hub
Ready to finance your next excavator?
Prequalify now — no hard credit pull, no tax returns, and fast approvals from experts who understand your business.
