Construction Equipment Financing Built for Contractors
From cranes and excavators to full fleet builds, Equify provides construction companies with fast, flexible equipment financing tailored around project timelines, cash flow, and growth goals.
Construction moves fast. Your financing should too.
Fast, Flexible Financing Solutions For Construction Companies
Construction companies operate under constant financial pressure — mobilization costs hit before revenue arrives, progress billing creates cash flow gaps, and tight bid timelines mean traditional lenders often fall short. When financing slows down, projects stall, opportunities disappear, and crews sit idle.
At Equify, we provide a flexible suite of financing solutions designed specifically for construction companies — helping you secure equipment, strengthen cash flow, and keep projects moving forward.
We have secured $3B in working capital for more than 1,400 businesses.
Across construction and other heavy-asset industries, companies rely on Equify to help them move faster, win more work, and keep their operations running strong. Read real stories of businesses that turned opportunities into progress with Equify’s flexible financing solutions.
We're Built to Lend Differently
Construction Equipment Financing: Frequently Asked Questions
Whether you want to own the iron or keep your debt flexible, Equify Financial helps you fund the right equipment, your way. We work with contractors and builders across the country to finance both new and used equipment with terms that fit your season, spend, and scale.
If your company relies on equipment to generate revenue, we can likely structure a financing solution around it.
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Equify Financial offers equipment loan and lease options for purchase or refinance, debt consolidation, and line of credit products backed by your assets. Although we specialize in the construction, energy, and transportation industries, we fund any essential equipment you need for your business, new or used.
Examples of equipment we’ve helped our customers purchase include:
- Concrete equipment
- Power generation
- Earthmoving equipment
- Compaction equipment
- Material handling equipment
- Aerial equipment
- Light towers
- Wireline trucks
- Trucks
- Trailers
- Crane trucks
- Cranes
- Frac pumps
- Electric frac pumps
- Nitrogen pumps
- Cement pumps
- Well service equipment
- Well service rigs
- Well service trucks
- Pipe handlers
- Power swivels
- Snubbing units
- Crew trailers
- Well service components
- Pipe trailers
- Shipping containers
- New or used trucks, all classes
- Trailers
- Flatbeds
- Vocational vehicles
- Over-the-Road vehicles
- Heavy hauling equipment
- Medium-duty trucks
- Concrete trucks
- Car haulers
- And more
Equify is an independent lender and offers equipment financing for any industry. Contact us to learn more about our financing solutions, and tell us what you’d like to buy.
What types of construction equipment can be financed?
Types of Construction Equipment
- Earthmoving Equipment: Excavators, bulldozers, backhoe loaders, skid steer loaders, wheel loaders, motor graders, track loaders, trenchers, articulated haulers, scrapers, dump trucks, motor scrapers, and pipelayers.
- Compaction Equipment: Compactors, road rollers, asphalt compactors, and tampers.
- Concrete & Paving Equipment: Concrete equipment, paver telehandlers, paving machines, curb machines, asphalt milling machines, cold planers, road reclaimers, and paint stripers.
- Lifting & Aerial Equipment: Cranes, forklifts, telehandlers, aerial equipment, scissor lifts, boom lifts, articulating booms, and cherry pickers.
- Material Handling Equipment: Forklifts and telehandlers.
Power & Lighting: Power generation equipment and light towers. - Tunneling & Boring Equipment: Tunnel boring machines, horizontal directional drills, pile boring machines, and pile drivers.
- Street & Surface Maintenance: Street sweepers and paint stripers.
Popular Equipment Models We Finance
- Caterpillar: CAT 320/336 Excavators, D6/D8 Dozers, 950/966 Wheel Loaders, 259D3 Skid Steers, 140 Motor Graders, 745 Articulated Trucks
- John Deere: 210/350 Excavators, 650/700 Dozers, 644 P-Tier Wheel Loaders, 333G Compact Track Loaders, 672G Motor Graders
- Komatsu: PC210/PC360 Excavators, D51/D65 Dozers, WA320/WA470 Wheel Loaders, HM400 Articulated Haulers
- Volvo: EC220/EC300 Excavators, L60/L90 Wheel Loaders, A25G/A40G Articulated Haulers, DD25/DD110 Compactors
- Hitachi: ZX210/ZX350 Excavators); CASE Construction (580 Super N Backhoes, 721G/821G Wheel Loaders, TR310B Compact Track Loaders
- Bobcat: T66/T76 Compact Track Loaders, S650 Skid Steers, E88 Compact Excavators); JCB (3CX/4CX Backhoe Loaders, 510-56/541-70 Telehandlers
- Hyundai: HX220/HX300 Excavators, HL960/HL975 Wheel Loaders
- Kubota: KX057/KX080 Excavators, SVL75/SVL97 Track Loaders
- Takeuchi: TB260/TB290 Excavators, TL8/TL12 Track Loaders
- Doosan: DEVELON DX225/DX300 Excavators, DL280/DL420 Wheel Loaders
This is not an exhaustive list of manufacturers or models. Equify provides fast, flexible, collateral-based construction equipment financing for a wide range of new and used heavy equipment brands and product lines. Contact Equify today to discuss your specific equipment needs and secure customized financing solutions for your next project.
How does construction equipment financing work?
| Factor | Purchase | Lease |
|---|---|---|
| Cash Flow Impact | Large upfront capital required or higher monthly loan payments | Lower upfront cost; predictable lease payments preserve working capital |
| Ownership Outcome | You own the equipment; can retain, resell, or repurpose | No ownership unless lease includes a purchase option |
| Flexibility | Less flexible; stuck with asset even if project needs change | More flexible; ideal for short-term jobs or seasonal needs |
| Tax Implications | Eligible for depreciation and interest deductions | Lease payments often fully deductible (check with CPA) |
Should I lease or buy construction equipment?
| Factor | Purchase | Lease |
|---|---|---|
| Cash Flow Impact | Large upfront capital required or higher monthly loan payments | Lower upfront cost; predictable lease payments preserve working capital |
| Ownership Outcome | You own the equipment; can retain, resell, or repurpose | No ownership unless lease includes a purchase option |
| Flexibility | Less flexible; stuck with asset even if project needs change | More flexible; ideal for short-term jobs or seasonal needs |
| Tax Implications | Eligible for depreciation and interest deductions | Lease payments often fully deductible (check with CPA) |
How long are typical construction equipment financing terms?
| Factor | Purchase | Lease |
|---|---|---|
| Cash Flow Impact | Large upfront capital required or higher monthly loan payments | Lower upfront cost; predictable lease payments preserve working capital |
| Ownership Outcome | You own the equipment; can retain, resell, or repurpose | No ownership unless lease includes a purchase option |
| Flexibility | Less flexible; stuck with asset even if project needs change | More flexible; ideal for short-term jobs or seasonal needs |
| Tax Implications | Eligible for depreciation and interest deductions | Lease payments often fully deductible (check with CPA) |
What credit score is required for construction equipment financing?
| Factor | Purchase | Lease |
|---|---|---|
| Cash Flow Impact | Large upfront capital required or higher monthly loan payments | Lower upfront cost; predictable lease payments preserve working capital |
| Ownership Outcome | You own the equipment; can retain, resell, or repurpose | No ownership unless lease includes a purchase option |
| Flexibility | Less flexible; stuck with asset even if project needs change | More flexible; ideal for short-term jobs or seasonal needs |
| Tax Implications | Eligible for depreciation and interest deductions | Lease payments often fully deductible (check with CPA) |
Equipment Financing
Fast fundings and flexible terms for new or used equipment purchases. Apply online with no financials required for loans up to $500K.
Equipment leasing
For several reasons, leasing could be right for you. We can help you understand the risks and benefits.
Working Capital
Fuel your operations with flexible working capital solutions that help you manage day-to-day needs and seize growth opportunities.
Get access to fast, flexible Construction Equipment Financing
Have questions about how Equify Financial can support your construction business? We’re here to help. Let’s talk about your equipment needs, project goals, and fleet plans—and explore how our flexible, equipment-backed financing solutions can help you secure the machines and capital needed to keep your jobs moving forward.