Smart Solutions for Heavy Equipment Financing

We help construction pros finance the equipment they need to grow—fast. From excavators to fleets, our lending team builds custom packages based on your timeline, budget, and business goals.

We Specialize in Construction Company Financing

Because Equify Financial is an independent finance company, we’re not limited by rigid approval metrics and processes. We’re not a bank, and for our customers, that’s a good thing. It means we have the flexibility to consider more than just the bottom line when a customer applies for financing. We’ll talk with you and find a way to say yes when the bank would say no.

Serving our customers is at
the heart of what we do

Flexible Financing Solutions Built for Your Business

At Equify, our team of financing specialists becomes your team. We’ll work with you to understand your current and future business needs. Then, we’ll create options that help you achieve your business goals.

Already know what you need? Click an option below to find your local Equify Financial representative and learn more about how our team can help.

Heavy Equipment Financing: Own or Lease

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.

Following is a list of some of the equipment we finance:

Earthmoving Equipment
  • Excavators

  • Bulldozers

  • Backhoe Loaders

  • Skid Steer Loaders

  • Wheel Loaders

  • Motor Graders

  • Track Loaders

  • Trenchers

  • Articulated Haulers

  • Scrapers

  • Dump Trucks

  • Motor Scrapers

  • Pipelayers

Compaction Equipment
  • Compactors

  • Road Rollers

  • Asphalt Compactors

  • Tampers

Concrete & Paving Equipment
  • Concrete Equipment

  • Paver Telehandlers

  • Paving Machines

  • Curb Machines

  • Asphalt Milling Machines

  • Cold Planers

  • Road Reclaimers

  • Paint Stripers

Lifting & Aerial Equipment
  • Cranes

  • Forklifts

  • Telehandlers

  • Aerial Equipment

  • Scissor Lifts

  • Boom Lifts

  • Articulating Booms

  • Cherry Pickers

Material Handling Equipment
  • Material Handling Equipment

  • Forklifts

  • Telehandlers

Power & Lighting
  • Power Generation

  • Light Towers

Tunneling & Boring Equipment
  • Tunnel Boring Machines

  • Horizontal Directional Drills

  • Pile Boring Machines

  • Pile Drivers

Street & Surface Maintenance
  • Street Sweepers

  • Paint Stripers

Lease or Buy? A Blueprint to Smarter 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)

Debt Restructuring:
Reduce Debt Payments

Business growth isn’t always predictable, which can lead business owners to take on an equipment loan here and there as needed. Long-term, the interest you pay on those debts can become overwhelming.

That’s where Equify can help.

Our debt restructuring options for construction companies are purpose-built to reduce your monthly payments by consolidating heavy equipment loans into one manageable monthly payment. When you partner with Equify for debt restructuring solutions, you gain access to equity-based cash options if you need them. We’ll work with you to structure the deal that suits you best.

Heavy equipment financing for the manufacturing industry

Equify is Redefining Construction Financing

We’re redefining financial relationships. Our team will focus on what your construction business needs to succeed, and we’ll explore every option to help you get it.

We understand construction.
We understand heavy equipment financing
.
We understand business financing.

Help us understand more about your construction business, and we’ll create a financial solution that meets you where you are and helps you continue to build the business you want.