Fast, Flexible Loans for Small Contractors and Landscaping Pros
If your construction or landscaping business is ready to take on more jobs, a mini excavator can be one of the smartest investments you make. At TruckLenders USA, we make mini excavator financing simple, fast, and built for small-to-mid-size contractors. There’s no tax return requirement, no hard credit pull to apply, and approvals can happen in as little as 24 hours.
Whether you’re digging footings, trenching utilities, or clearing a tight backyard, we help you secure financing for the equipment that gets the job done—with terms that make sense for your business.
We finance almost every make, model, and configuration of mini excavators, whether it’s brand new from a dealer or used from a private seller. Our goal is to get you the machine you need—without the hoops.
We fund:
New and used mini excavators
Purchases from dealers or private parties (including Craigslist or Facebook Marketplace)
All major brands, including:
CAT (Caterpillar)
Kubota
Bobcat
John Deere
Takeuchi
Yanmar, JCB, Hitachi, and more
Need to finance attachments like buckets or augers too? We can often include those in your loan.
Mini excavators are one of the most versatile and cost-effective machines on the market. For small businesses, they offer a smart way to expand services without overspending.
Top reasons to finance a mini excavator:
Lower cost than full-size excavators – Easier to fit into your budget
Compact size – Perfect for residential and small commercial jobs
High versatility – Trenching, grading, stump removal, utility installs, and more
Fast ROI – The machine can pay for itself in just a few jobs
Preserves cash flow – Avoid a large upfront payment and keep funds available for labor and materials
Instead of waiting to save up cash, financing lets you put your mini ex to work immediately.
Our loan programs are designed to help small business owners move quickly—without being buried in paperwork. Whether you're a first-time equipment buyer or adding to an existing fleet, our financing options are flexible and straightforward.
Loan amounts up to $100,000
Terms from 36 to 72 months
No tax returns or P&Ls required
Soft credit pull only – won’t affect your credit score
Fast decisions – many applications are approved same-day
No early payoff penalties on most loans
We can also roll attachments, delivery costs, and dealer fees into the same loan, so your out-of-pocket costs are minimal.
We’ve stripped down the requirements so small business owners can get funding fast. No fluff, no bank-style underwriting delays—just a clear path to approval.
To qualify, you’ll typically need:
650+ credit score
2+ years in business (we may still help newer businesses with strong credit)
$10,000–$15,000 per month in business revenue
A business entity such as:
LLC
Corporation (S-Corp or C-Corp)
Sole Proprietorship
Don’t have a CDL? No problem. We don’t require it for mini excavator financing.
At TruckLenders USA, we’re a commercial-only lender with more than 30 years of experience helping contractors and small business owners finance the equipment they need to grow.
What makes us different?
Built for businesses – We don’t do consumer loans or upsell you into something you don’t need
Fast-track approvals – We prioritize speed and simplicity
No tax returns required – Just the basics to get you moving
Real humans, real support – Our team is here to walk you through it, step by step
No dealer markups – We work directly with you, not the dealership
Whether you’re replacing an older unit or buying your first machine, our team is here to help you secure financing that fits your business model.
Can I finance a used mini excavator from Craigslist?
Yes. We finance both dealer and private party purchases, including equipment from Craigslist, Facebook Marketplace, or auctions. All we need is a bill of sale or equipment listing.
Can I finance attachments too?
Absolutely. Buckets, thumbs, augers, and other attachments can usually be bundled into the same loan.
Can I apply if I don’t have a CDL?
Yes. A commercial driver’s license is not required to finance or operate most mini excavators.
Explore more equipment options on our construction equipment financing page.
Ready to put a mini excavator to work for your business?
Prequalify now — no hard pull, no tax returns, and fast approvals built for small contractors.
