Capital for your next excavation contract — Excavator Equipment Financing
We connect small excavation contractors with lenders providing fast financing for new and used iron, including options for startups and those with damaged credit.
Soft credit inquiry only. Does not affect your credit score.
- Operating lease
- Section 179 deduction
- Tier 4 engine compliance
- Soft inquiry
- Loan-to-value ratio
- Used equipment appraisal
- Capital expenditure
- Debt service coverage
Heavy construction equipment financing for excavation contractors
Financing options matched to your situation, in one place.
- NEW Brand new excavators Finance the latest models with lower interest rates and full factory warranties.
- USED Used machinery financing Get funding for pre-owned equipment without strict age or hour limitations.
- STARTUP Startup equipment loans New businesses can access capital based on projections rather than just history.
- BAD CREDIT Credit challenged funding We work with networks that prioritize equipment equity over perfect credit scores.
- $15K–$750K Funding range
- 24–48 hours Approval speed
- 1 soft pull Credit impact
How the money moves.
One soft check to match. One hard pull, and only from the lender you choose. That mechanism is why this is not a broker.
No collateral constraints
- The equipment you purchase often serves as its own collateral.
- Keep your existing cash reserves free for payroll and operating costs.
Tax efficiency
- Section 179 may allow you to deduct the full purchase price this year.
- Lower your taxable income while putting a productive asset to work.
Flexible payment plans
- We offer seasonal payment options to match your project cash flow.
- Choose between short-term loans or longer-term lease structures.
Why the usual lenders say no.
Your revenue is real. The problem is the form. Here is why traditional underwriting turns away healthy operators in this space, and what we do differently.
Low personal credit score
Traditional banks often reject applications based solely on a FICO score without looking at the underlying business assets.
New business entity
Big banks require three to five years of operational history to consider a loan application for heavy machinery.
Used equipment age
Strict lending guidelines frequently exclude machinery that is more than ten years old or has high engine hours.
What a funded request actually looks like.
Composite illustrative scenarios, not specific borrowers. Each is built from the kinds of requests this niche routinely sees.
Owner-operator
Purchasing a used 20-ton track hoe to handle increased demand from a new subdivision contract.
New startup business
Acquiring a skid steer and mini-excavator to launch a site-prep and drainage business.
Established firm
Upgrading a fleet of three older units to newer, more fuel-efficient Tier 4 compliant models.
Contractor with low credit
Securing a reliable backhoe to replace a machine that suffered a catastrophic hydraulic failure.
Business insurance for your site
Protect your assets against theft, damage, and liability. We can connect you with specialized insurers that cover heavy equipment on and off the job site.