Construction Equipment Financing
From your first excavator to expanding a full heavy-equipment fleet — Equipment Finance Academy helps construction businesses finance new and used equipment fast, with rates from 6.99% and approvals in as fast as 4 hours.
Get Pre-Qualified NowQuick answer
Yes, contractors can finance new and used heavy equipment from $30,000 to $5 million with Equipment Finance Academy. Because the equipment serves as collateral, approvals come in as fast as 4 hours with rates from 6.99% for qualified borrowers, so you can bid and win projects without tying up working capital.
- Excavators, dozers & cranes financed
- New & used heavy equipment
- Rates from 6.99% APR
- Approvals in as fast as 4 hours
Why Construction Businesses Finance Equipment
In construction, the equipment you can field determines the jobs you can bid. Financing lets you add the excavator, loader, or crane a project demands without draining the cash you need for materials, payroll, and mobilization.
We finance new and used heavy equipment from dealers, auctions, and private-party sellers for general contractors, excavation crews, and specialty trades. Our terms account for project timelines and the seasonal, cyclical nature of construction cash flow.
Construction Equipment We Finance
New or used, from dealers, auctions, or private-party sellers — these are the construction equipment types we finance most.
Excavators & backhoes
Finance new or used excavators & backhoes with terms up to 84 months and $0 down for qualified borrowers.
Bulldozers & loaders
Finance new or used bulldozers & loaders with terms up to 84 months and $0 down for qualified borrowers.
Cranes & lifts
Finance new or used cranes & lifts with terms up to 84 months and $0 down for qualified borrowers.
Skid steers & compact track loaders
Finance new or used skid steers & compact track loaders with terms up to 84 months and $0 down for qualified borrowers.
Dump trucks & haulers
Finance new or used dump trucks & haulers with terms up to 84 months and $0 down for qualified borrowers.
Compactors & pavers
Finance new or used compactors & pavers with terms up to 84 months and $0 down for qualified borrowers.
Why Construction Businesses Choose Equipment Finance Academy
Bid With Confidence
Fast approvals mean you can commit to the equipment a project needs and start on schedule.
New, Used & Auction Equipment
Finance from a dealer, private party, or equipment auction, whichever gets you the right machine for the job.
Preserve Working Capital
Keep cash for materials, payroll, and mobilization while spreading equipment cost over its useful life.
Estimate Your Construction Equipment Payment
Use our free equipment financing calculator to estimate your monthly payment, total cost, and Section 179 tax savings on your construction equipment.
Equipment Financing Calculator
Estimate your monthly payment, total cost, and Section 179 tax savings
No impact to your credit score
*Estimates only. Actual rate depends on creditworthiness, time in business, and equipment type. Rates as of July 31, 2026. Section 179 savings are an estimate — consult your tax advisor and verify current limits.
Ready to Finance Your Construction Equipment?
Get pre-qualified in minutes with no impact to your credit score, or estimate what your equipment is worth first.
Construction Equipment Financing FAQs
Explore more industries we finance or get a free equipment valuation.