Fast, Flexible Equipment Financing—No Tax Returns, No BS
If you're a contractor, site prep crew, or utility installer who needs heavy equipment fast, you don’t have time for long bank processes or confusing paperwork. At TruckLenders USA, we make financing simple, clear, and fast—so you can get your next excavator, skid steer, or dozer without the runaround.
This page will walk you through how to finance construction equipment step by step. If you meet the basic requirements, you can prequalify in under a minute—no hard credit pull, no tax returns.
Before you apply, it helps to know where you stand. Our approval process is designed specifically for small-to-mid-sized contractors and equipment operators. If you meet these criteria, you’re likely ready to go:
650+ credit score
2+ years in business (newer businesses may qualify with strong credit)
At least $15,000/month in gross business revenue
These are the basics we look at to determine approval and loan structure. No need to overthink it—if you're close on any of these numbers, it’s still worth applying.
Check the full list of requirements here
Next, figure out what you're buying. We finance almost every major category of construction equipment, new or used, including:
Excavators (full-size or mini)
Skid steers (wheeled or tracked)
Backhoes and dozers
Compactors, trenchers, and graders
Trailers and attachments
We fund purchases from:
Dealers (local or national)
Auctions (Ritchie Bros., IronPlanet, etc.)
Private sellers (Facebook Marketplace, Craigslist, etc.)
Looking at used gear? No problem. As long as the equipment has decent value and documentation, we’ll help you finance it.
Once you’ve found your machine, the next step is getting a written quote or invoice from the seller. This helps us structure your loan correctly.
You’ll need basic details like:
Equipment type, make, model, and year
Seller name and contact info
Total purchase price (including tax, delivery, or extras)
Want to finance attachments or trailers too? Let us know—we can often bundle them into the same loan, so you only have one monthly payment.
Now it’s time to apply. This is where working with a commercial-only lender like TruckLenders USA makes all the difference.
We skip the bank-style red tape:
No tax returns or profit & loss statements required
No hard credit pull to prequalify
Same-day decisions in most cases
No personal-use restrictions – we only work with businesses
You’ll fill out a quick online form with:
Basic business info (entity type, revenue, years in business)
Equipment details
Your driver’s license (for identity verification)
That’s it. Once submitted, a dedicated equipment finance specialist will reach out to finalize your terms and walk you through the final steps.
Once approved, we’ll send the funds directly to the seller—whether it's a dealer, auction, or private party.
You take delivery of the machine and get right to work.
From there:
Your loan payments begin based on your chosen term (36–72 months)
Your equipment starts earning revenue immediately
You build business credit and retain working capital for other needs
The entire process—from application to funding—can often be completed in 24–72 hours, depending on how quickly documents are received.
TruckLenders USA has been helping contractors, builders, and vocational professionals finance equipment for over 30 years. We're not a bank. We’re not a dealership. We’re a specialized commercial lender that understands how construction businesses actually operate.
Here’s why contractors choose us:
Fast-track approvals with minimal paperwork
No fluff underwriting – we skip the unnecessary financials
Real human support – you’ll talk to someone who understands the industry
New or used equipment, dealer or private sale – we fund it all
Flexible loan structures that work for your monthly cash flow
Whether you’re buying your first skid steer or financing a $250K fleet expansion, we help contractors move forward—without wasting time.
Looking for more equipment types? Visit our construction equipment financing hub.
Ready to get approved and get to work?
Prequalify in 60 seconds — no hard credit pull, no tax returns, just fast answers and flexible financing built for construction professionals.
