Fast, Flexible Loans for Florida Contractors and Construction Crews
Florida’s construction industry is booming—from new housing developments in Tampa and Orlando to infrastructure expansion in Miami and Jacksonville. Whether you're grading land, digging trenches, or moving materials, the right equipment is key to staying competitive and on schedule. At TruckLenders USA, we offer fast and easy construction equipment financing for Florida-based contractors, with no tax returns, no hard credit pull, and funding in as little as 24–48 hours.
If you're a Florida business owner ready to grow your fleet or replace a machine, we’re here to get you funded—without the bank-level hassle.
We work with construction professionals across the Sunshine State, offering financing built for real jobsite needs and local projects.
We commonly finance equipment for:
Site prep crews in Miami, Tampa, Jacksonville, and Orlando
Grading and excavation contractors handling residential, commercial, or DOT work
Underground utility companies needing trenchers, boring machines, or mini-excavators
Small builders and subcontractors managing custom home builds, remodels, or niche projects
Whether you're working coastal flood zones or central Florida sand lots, we help businesses secure the machines they need to keep jobs moving.
From general construction to landscaping and utility work, we fund the equipment that powers Florida job sites. We finance both new and used machines, from dealers, auctions, and private sellers.
Common equipment we finance includes:
Excavators (full-size and mini)
Backhoes and trenchers
Skid steers – wheeled or tracked
Dozers, compactors, and loaders
Attachments and trailers
We accept purchases from:
Dealerships (local and national)
Auctions (like Ritchie Bros. and IronPlanet)
Private sellers (Craigslist, Facebook Marketplace, local listings)
If it’s commercial-use equipment and has a VIN or serial number, we likely finance it.
Our construction equipment financing programs are built for speed, flexibility, and cash flow management. Whether you're buying your first machine or scaling your fleet, we’ll tailor the loan to your needs.
Loan amounts up to $250,000
Terms from 36 to 72 months
No tax returns or P&Ls required
Soft credit pull to prequalify—no impact on your score
Same-day decisions in many cases
No early payoff penalties on most loans
Need to include attachments, delivery, or sales tax in your loan? We can often bundle those into one easy monthly payment.
We keep our requirements simple so you can get approved and back to work without jumping through hoops. Here’s what you’ll need:
650+ personal credit score
2+ years in business (we also review startups with strong credit)
Around $15,000/month in revenue
Registered business entity:
LLC
Corporation (S-Corp or C-Corp)
Sole Proprietor
No financial statements, no business plan, and no fluff. Just a clean, straightforward process that gets you the green light quickly.
For over 30 years, TruckLenders USA has been a trusted commercial equipment financing partner for thousands of construction pros across the country—including many here in Florida.
What sets us apart:
Fast approvals – get a decision in 24–48 hours
No tax returns required – keep your paperwork minimal
Commercial-only lending – we focus on business-use equipment only
No dealer markups or hidden fees
Real human support – talk to someone who knows equipment and Florida jobsite demands
Whether you’re building in the Panhandle or trenching utilities in Broward County, our team understands the pace and pressure of construction in Florida—and we’re here to help you stay ahead.
Need something specific? Visit our construction equipment financing hub.
Ready to get funded and back to work?
Apply for Florida construction equipment financing — no hard credit pull, no tax returns, and fast answers from experts who understand your business.
