Construction Equipment Financing

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.

Who This Page Is For

  • General Contractors – residential or commercial builds
  • Excavation & Demolition – land clearing, grading, tear-downs
  • Concrete & Site Prep Crews – stay on schedule with the right equipment
  • Utility Contractors – trenchers, boring machines, and more
  • Landscape & Grading Businesses – grow with compact or midsize units

Types of Equipment We Finance

  • Excavators & Mini-Excavators
  • Skid Steers & Compact Track Loaders
  • Backhoes & Dozers
  • Compactors & Rollers
  • Graders, Trenchers, and Utility Rigs

We finance new or used equipment from dealers, private parties, and auctions nationwide.

Loan Program Highlights

  • Financing up to $250,000
  • 36 to 72 month terms
  • No tax returns or P&Ls required
  • Soft credit pull only – no impact to score
  • Dealer, private party, or auction eligible
  • No early payoff penalties in most cases
  • Bundle delivery, attachments, or upfit into one loan

Requirements to Qualify

  • 650+ credit score
  • 2+ years in business (or strong credit if newer)
  • $15,000+ monthly revenue
  • LLC, Corp, or Sole Prop with EIN

No business plans or financials needed. We focus on real-world proof of cash flow.

Why TruckLenders USA?

  • 30+ years in commercial truck & equipment lending
  • Fast-track approvals with no fluff paperwork
  • Soft credit pull to prequalify
  • Same-day decisions for qualified borrowers
  • Dedicated support from real commercial lending pros

Explore Construction Equipment Financing by Category

FAQs

  • Can I finance used equipment? Yes—private seller, auction, and dealer purchases are all eligible.
  • Do I need a CDL? No commercial license required for approval.
  • Can I finance multiple machines? Yes—we can bundle into one approval.
  • New business? With 700+ credit and strong cash flow, yes.

Related Resources

Ready to Finance Your Next Piece of Equipment?

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 pros who speak your language.