A single machine can win — or bottleneck — a job. Heavy equipment financing lets you add or replace machines without tying up the cash you need for payroll, fuel and materials, using the equipment itself as collateral.
What contractors finance
- Earthmoving — excavators, dozers, loaders, backhoes.
- Compact — skid steers, mini-excavators, attachments.
- Lifting & hauling — cranes, dump trucks, trailers.
- Paving & compaction — rollers, pavers, graders.
The machine is the collateral. That keeps approvals flexible on credit — and financing new and used equipment (including auction buys) is common.
Typical guidelines
| Requirement | Typical minimum |
|---|---|
| Time in business | Startup-friendly on equipment |
| Credit score | No minimum on many programs |
| Monthly revenue | $10,000+ for revenue-based options |
| Documents | Application + equipment quote |
Also see construction company loans and full equipment financing.
Frequently asked questions
Can I finance used or auction machines?
Yes — new, used, dealer, auction or private sale.
With bad credit?
Often yes; the equipment secures the loan and revenue-based options approve on cash flow.