MissionFund.AI

Industrial and Construction

Construction Equipment Financing

Excavation, site work, utility, paving, and general contractors win bids with the iron they can put on a jobsite. Owning the right machines means you can mobilize on your schedule, stop paying rental markups, and bid bigger projects with confidence.

Heavy equipment also takes a big bite out of cash, and contractors already juggle retainage, slow payments, and seasonal swings. Financing lets you add machines when the work calls for them. MissionFund compares more than 60 lending sources, including lenders who finance used, auction, and private party equipment regularly.

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Programs that fit$1 Buyout LeaseEFA

Construction Equipment We Help You Finance

  • 01

    Excavators

    Excavators dig foundations, trenches, and ponds, and they handle demolition and material loading with the right attachments. Mini excavators fit tight residential lots and utility work, midsize machines cover most commercial site work, and large excavators handle mass excavation. Compare operating weight, dig depth, tail swing (zero tail swing models work well near buildings and traffic), and hydraulic flow for attachments. Used excavators hold strong resale value, so review hours, undercarriage wear, and service records before buying.

  • 02

    Skid Steers

    Skid steers are the most versatile machines on many jobsites. With buckets, pallet forks, augers, breakers, and brush cutters, a single skid steer can grade, trench, lift, and clear. Landscapers, concrete contractors, and farms rely on them daily. Consider rated operating capacity, vertical versus radial lift, high flow hydraulics, and cab comfort for long days. Wheeled skid steers are quicker on hard surfaces and cheaper to maintain than tracked machines.

  • 03

    Wheel Loaders

    Wheel loaders move large volumes of dirt, gravel, sand, and snow. Aggregate yards, asphalt plants, municipalities, and site contractors use them to load trucks and stockpile material. Compact wheel loaders offer loader performance in a smaller package for landscape supply yards and farms. Evaluate bucket capacity, breakout force, and tire choice. Quick couplers let you switch between buckets, forks, and snow pushers. Used loaders from rental fleets and municipalities are common.

  • 04

    Backhoes

    Backhoe loaders combine a front loader and a rear digging arm, making them a favorite for utility contractors, plumbers, and municipal crews. They travel between jobs at road speed more easily than tracked machines. Consider dig depth, extendable dipper sticks, four wheel drive, and pilot controls. A backhoe can often replace two machines on smaller jobs, which makes it a smart first purchase for a growing contractor.

  • 05

    Compact Track Loaders

    Compact track loaders work like skid steers but ride on rubber tracks, spreading their weight to perform on soft ground, mud, and slopes. Grading contractors, landscapers, and fence builders use them where a wheeled machine would get stuck or damage turf. Compare track width, ground pressure, lift capacity, and undercarriage design. Tracks and rollers are wear items, so check their condition on used machines and budget for replacement.

Why Finance Construction Equipment Instead of Paying Cash

Contractors often wait on progress payments while covering labor, fuel, and materials. Financing keeps that cash available and lets your machines pay for themselves on the jobs they work.

It also keeps your credit lines open for bonding and emergencies, and helps you replace high hour machines before repairs pile up. Some lenders offer seasonal payment options for contractors with slower winters. Many equipment purchases may qualify for Section 179 deductions; check with your tax professional.

What Your Financing Can Include

Depending on the lender, your financing can include:

  • Buckets, breakers, augers, grapples, and other attachments
  • Quick couplers and hydraulic thumbs
  • Machine control and GPS grade systems
  • Equipment trailers for hauling
  • Delivery and operator training
  • Extended warranties and service plans

Programs That Work Well for Construction Equipment

  • Program

    $1 Buyout Lease

    Lease payments, then own the machine for one dollar at the end, a common choice for contractors who keep their iron.

New Business or Established, We Can Help

Starting an excavation or landscaping company? Equipment financing is available from day one for startups, so your first skid steer or mini excavator can get to work right away. Established contractors can grow their fleets as projects expand. See our industrial and construction page and tree care and landscaping equipment financing.

What You'll Need

Requests under $150K can often be approved on the application alone, which covers most compact equipment. For larger machines or fleets, financial statements can help. At funding, many deals need only a driver's license and the invoice or bill of sale.

Frequently Asked Questions

Still have a question?

Talk to a real person. We're happy to walk you through your options.

Can I finance equipment from an auction?

Often, yes. Many lenders finance auction purchases. Let us know the auction date so we can line up approval before you bid.

Can I finance a used machine with high hours?

Some lenders will, depending on the machine's age, hours, and condition. Share the serial number and photos when you apply.

Are seasonal payments available?

Some lenders offer seasonal or deferred payment structures for contractors. Tell us your busy months and we'll look for options.

Can I finance an equipment trailer with my machine?

Often, yes. Many lenders allow a trailer on the same agreement.

Will applying affect my credit?

No. We use a soft credit pull only, and it's free to apply.

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