Fast, Flexible Loans to Help You Build Smarter and Scale Faster
If you're a contractor, builder, or site prep crew looking to finance construction equipment—without jumping through hoops—you’re in the right place. At TruckLenders USA, we help hardworking construction pros secure fast approvals for excavators, skid steers, dozers, and more with no tax returns, no profit & loss statements, and no hard credit pull required.
Whether you’re buying new or used, from a dealer or a private party, our construction equipment financing process is built for speed, simplicity, and real-world business needs.
We specialize in financing for contractors and crews across the construction industry. Whether you’re expanding your fleet or upgrading a key machine, we’ve got your back:
General Contractors managing residential or commercial builds
Excavators and Demolition Companies moving dirt, clearing land, or tearing it down
Concrete and Site Prep Crews needing the right machines to stay on schedule
Utility and Underground Contractors requiring trenchers, boring machines, and support equipment
Landscaping and Grading Professionals growing their fleet with compact or midsize equipment
No matter your niche, if your work involves heavy machinery—we’ll help you finance it.
At TruckLenders USA, we finance a wide variety of construction equipment, whether you're buying a single unit or building out your entire fleet.
Types of equipment we finance include:
Excavators – full-size and compact
Mini-excavators – great for tight access jobs
Skid Steers – essential for any site prep or grading project
Backhoes – versatile and high-demand on most sites
Bulldozers – from compact dozers to large crawler units
Compactors & Rollers – soil or asphalt
Graders & Trenchers – precision ground and utility work
Whether your equipment is brand new or pre-owned, from a national dealer or a private seller, we’ll help you fund the deal quickly.
Our loans are designed to support the way real contractors buy and use their equipment.
New or used equipment
Dealer or private party sales (including Facebook Marketplace, Craigslist, Ritchie Bros., and other auction houses)
Up to $250,000 in financing per transaction
Flexible terms: 36 to 72 months
Competitive rates based on credit and equipment type
No early payoff penalties in most cases
We also offer bundle financing if you’re purchasing multiple pieces or need to include delivery, attachments, or modifications in the total cost.
We make it easy to get approved, with fewer requirements than banks and more flexibility than most traditional lenders.
To qualify, you'll typically need:
650+ personal credit score
2+ years in business (or strong personal credit if newer)
$15,000+ in monthly revenue
Business entity: LLC, Corporation, or Sole Proprietor
No tax returns, business plans, or profit & loss statements required. We use a soft credit pull, so applying won’t affect your score.
We’re not just a finance company—we’re a trusted partner for construction professionals across the U.S.
Here’s why contractors choose TruckLenders USA:
30+ years in commercial equipment financing – we know your world
No tax returns or P&Ls required – skip the paperwork nightmare
Fast-track application process – get approved in days, not weeks
Soft credit pull to apply – no risk to your score
Dedicated support team – real people who work with contractors daily
Commercial-only lender – we don’t waste your time with irrelevant offers
We’re built for speed, built for simplicity, and built for businesses like yours.
Can I finance used equipment?
Yes. We finance both new and used equipment, including from private sellers, auction sites, or local dealers.
Do I need a CDL or special license?
No commercial license is required to qualify. Financing is based on your business structure, revenue, and credit—not your license type.
Can I buy from an auction or private party?
Absolutely. We regularly finance equipment purchased at auctions or directly from individual sellers. We just need a bill of sale or invoice.
What if I want to finance multiple pieces?
We can bundle several pieces of equipment into one loan if you're buying from the same seller or sourcing equipment at the same time.
What if I’m a newer business?
If you’ve been in business for less than 2 years but have a 700+ credit score and solid cash flow, we may still be able to approve you.
Want to dig deeper? Check out these related guides:
Don’t let outdated machines slow you down. Whether you're grading a lot, prepping a foundation, or digging utilities—the right equipment makes all the difference.
Prequalify now — no hard credit pull, no tax returns, just fast answers from commercial financing experts who speak your language.
