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.
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.
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.