Running a construction business requires access to reliable equipment—whether it’s excavators, skid steers, backhoes, or loaders. But paying out of pocket can tie up your working capital. That’s why small business construction equipment financing is a smart solution.
At Trucklenders USA, we offer financing up to $300,000 with same-day approvals and flexible terms, so you can focus on growing your business without financial roadblocks.
Apply Now for Fast Approval.
With over 30 years of experience, Trucklenders USA is a trusted leader in construction equipment financing. We specialize in helping small businesses access the capital they need quickly and easily.
Here’s what sets us apart:
Fast, same-day approvals—get a decision within 24 hours
Flexible terms tailored to your business
Nationwide service
All credit types considered
Dedicated support from industry-specific financing specialists
Get Pre-Qualified for Equipment Financing Today.
We make it easy to find out if you qualify. Below are the minimum requirements:
Minimum of 2 years in business
Credit score of 650 or higher
Down payment between 0% and 20%, depending on credit and time in business
Loan amounts up to $300,000
If you meet these criteria, you could be approved in as little as one business day.
Apply Now to Check Your Eligibility.
Wondering how much your monthly payment might be? Use our online financing calculator to estimate payments based on loan amount, credit, and repayment term.
We’ve streamlined the process so you can get back to what matters—running your business.
Step 1: Submit Your Online Application
Fill out a short, no-obligation form with basic business and financial details.
Step 2: Get a Fast Decision
We review your application and typically respond within 24 hours.
Step 3: Receive Funding and Get to Work
Once approved, you can secure your equipment and start using it right away.
The down payment required varies based on your credit profile and time in business:
Businesses with strong credit (700+) often qualify for zero down
Credit scores between 650–699 may require 10–20% down
More time in business generally means more favorable terms
Not sure where you stand? Our team will help you understand your options.
Apply Now – No Obligation, No Impact on Credit
To improve your chances of approval, steer clear of these common mistakes:
Submitting incomplete applications
Overestimating loan needs beyond your ability to repay
Ignoring credit issues or documentation requirements
Applying without proper business income verification
Applying too early in your business’s lifecycle (under 2 years)
Check If You Qualify Before Applying
What types of equipment can I finance?
We finance most types of heavy construction equipment, including excavators, bulldozers, cranes, and skid steers.
Can I finance used equipment?
Yes. We offer financing for both new and used equipment.
Is there a prepayment penalty?
Many of our financing options come with no prepayment penalties. Ask us for details.
How fast can I get approved and funded?
In most cases, you can be approved and funded within 24 to 48 hours.
What if I have less-than-perfect credit?
We work with all credit types. If your score is 650 or higher and your business is established, you may qualify.
Apply Now for Fast Approval
Don’t let equipment costs slow down your business. With Trucklenders USA, you get:
Up to $300,000 in funding
Same-day approval
Low or no down payment
Flexible loan terms
A simple and fast application process
Apply Now – Get the Equipment You Need to Grow
