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.
Financing for Construction Equipment
We specialize in fast, flexible financing for construction equipment of all sizes—whether you're replacing aging machines or scaling your operation. From excavators to trenchers, you’ll get matched with the right lender, terms, and monthly payment to fit your cash flow.
Used Construction Equipment Finance
Buying used? No problem. We finance pre-owned construction equipment from private sellers, auctions, or equipment dealers. All machines are considered—just send us the invoice or seller info and we’ll handle the rest.
Heavy Construction Equipment Financing
Need to finance larger gear like dozers, graders, or crawler excavators? Our heavy equipment programs go up to $250,000 and include terms up to 72 months, with no tax returns or financials required.
Compact Construction Equipment Financing
We work with landscaping, site prep, and utility companies to finance compact machines like mini excavators and skid steers. Fast approvals, soft pulls, and low monthly payments are available.
Construction Equipment Lenders That Understand Contractors
We’re not a bank—and that’s a good thing. Our network of construction equipment lenders understands your business model, your seasonality, and your cash flow. That’s why we approve deals others turn away.
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.
Find Construction Equipment Financing That Fits
Not all loans are created equal. We’ll help you find construction equipment financing that aligns with your goals—monthly payments, down payment, term length, and approval speed.
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.
- Do you offer construction equipment loans? Yes—this includes lease-to-own, simple interest loans, and seasonal plans.
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.
