HEAVY EQUIPMENT FINANCING, LOANS, AND LEASING FOR CONTRACTORS NATIONWIDE - NO HARD INQUIRIES
Fast, reliable funding for excavators, backhoes, dump trucks, bulldozers, loaders, and more. At Heavy Iron Capital, we specialize in construction equipment financing that keeps your crew moving and your job sites productive.
Finance Yellow Iron & Dump Trucks From up to $5M+
Quick & Easy Applications - Takes 2 minutes to fill out
Fast Approvals – Get approved in 24 Hours
No Hard Credit Pull – Check your options risk-free
Get Pre-Approved Today!
HEAVY EQUIPMENT FINANCING
FLEXIBLE FINANCING FOR EXCAVATORS, LOADERS, CRANES, DUMP TRUCKS, AND MORE
Looking to grow your construction business with reliable construction equipment financing? At Heavy Iron Capital, we make it easy to secure funding for the heavy machinery you need to get the job done. Whether you’re financing a new excavator, backhoe, dump truck, bulldozer, or loader, our flexible programs are built to support contractors, owner-operators, and growing fleets. We finance all major types of yellow iron with fast approvals, no hard credit pull, and dedicated support from start to finish.
CONSTRUCTION TRUCKS
REAL REVIEWS BY EQUIPMENT OWNERS LIKE YOU
Don’t just take our word for it—see what real customers have to say. From first-time buyers to seasoned operators, contractors across the country trust Heavy Iron Capital for fast, reliable financing and unmatched service. Here's what they’re saying:
EARTHMOVING EQUIPMENT FINANCING
FINANCE EXCAVATORS, LOADERS, GRADERS, AND MORE.
Need funding for excavators, loaders, backhoes, dozers, or graders? Heavy Iron Capital offers fast and flexible earthmoving equipment financing to help contractors, site prep crews, and construction companies get the machines they need—without slowing down the job.
We finance all major types of yellow iron, including wheel loaders, mini excavators, skid steers, motor graders, articulated dump trucks, and more. Whether you're buying new or used, from a dealer or private party, we’re here to keep your operation moving forward with tailored payment options and no hard credit pull.
EARTHMOVING EQUIPMENT FINANCING
FINANCE EXCAVATORS, LOADERS, GRADERS, AND MORE.
Need funding for excavators, loaders, backhoes, dozers, or graders? Heavy Iron Capital offers fast and flexible earthmoving equipment financing to help contractors, site prep crews, and construction companies get the machines they need—without slowing down the job.
We finance all major types of yellow iron, including wheel loaders, mini excavators, skid steers, motor graders, articulated dump trucks, and more. Whether you're buying new or used, from a dealer or private party, we’re here to keep your operation moving forward with tailored payment options and no hard credit pull.
LIFTING AND HEAVY RIGGING
WE FINANCE CRANE TRUCKS, TOWER CRANES, TELEHANDLERS & MORE
Heavy Iron Capital offers fast, flexible crane financing for contractors and construction crews needing crane trucks, tower cranes, or rough terrain models. We finance new and used equipment from dealers, private sellers, and auctions—no hard credit pull required.
Get pre-approved in 24 hours and keep your projects on schedule with custom terms built around your business.
CONSTRUCTION TRUCK FINANCING
DUMP TRUCKS, WATER TRUCKS, FLATBEDS & MORE — FAST APPROVALS, FLEXIBLE TERMS
Heavy Iron Capital provides fast, reliable financing for construction trucks like dump trucks, water trucks, service trucks, and flatbeds. Whether you’re buying from a dealer or a private seller, we offer flexible terms, no hard credit inquiries, and approvals in as little as 24 hours.
Get the truck you need to power your next job — without tying up your working capital.
CONSTRUCTION TRUCK FINANCING
DUMP TRUCKS, WATER TRUCKS, FLATBEDS & MORE — FAST APPROVALS, FLEXIBLE TERMS
Heavy Iron Capital provides fast, reliable financing for construction trucks like dump trucks, water trucks, service trucks, and flatbeds. Whether you’re buying from a dealer or a private seller, we offer flexible terms, no hard credit inquiries, and approvals in as little as 24 hours.
Get the truck you need to power your next job — without tying up your working capital.
FREQUENTLY ASKED QUESTIONS
Financing an excavator, dump truck, or bulldozer raises a different set of questions than a typical business loan — and getting the answers right can save you thousands. Below are straightforward answers to what contractors, owner-operators, and construction businesses ask us most about heavy equipment financing.
Typical equipment financing terms range from 24 to 72 months, depending on the type of equipment, its age, and the borrower’s credit profile. At Heavy Iron Capital, we offer flexible term lengths to match your budget and cash flow needs. Down payments can vary—usually between 5% and 40%—and interest rates depend on factors like credit strength, time in business, and the equipment being financed. We work with both established businesses and startups to find terms that make sense for your operation.
Get Pre-Approved Today
To qualify for equipment financing with Heavy Iron Capital, you’ll typically need the following:
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A FICO score of 650 or higher
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2+ years in business (or equivalent industry experience)
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Equipment valued at $50,000 or more
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A reasonable down payment (usually 0% up to 40% based on credit profile)
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Proof of income or business revenue
Startups are welcome, and we offer flexible programs based on your unique situation. The equipment itself often serves as collateral, which can make approval easier than traditional loans. Best of all, our pre-approval process requires no hard credit check and won’t impact your score.
Get Pre-Approved Today
Getting equipment financing is often easier than securing a traditional business loan—especially when the equipment itself serves as collateral. At Heavy Iron Capital, we make the process simple with a streamlined application, soft credit checks, and fast approvals. If you have a FICO score of 650 or higher, a stable income source, and are financing equipment valued at $50,000 or more, your chances of approval are possible. We also work with startups and newer businesses to help them qualify whenever possible.
Get Pre-Approved Today
We look for a minimum credit score of 650 for construction equipment financing. At Heavy Iron Capital, we specialize in working with qualified borrowers who have good credit, but we also offer programs for startups and business owners with limited credit history. While a higher score can help you secure better rates and terms, your time in business, down payment, and the type of equipment you’re financing also play a key role in the approval process.
Get Pre-Approved Today
Construction equipment can typically be financed for 24 to 72 months, depending on the equipment's age, value, and your credit profile. At Heavy Iron Capital, we offer flexible term lengths to fit your cash flow and project needs. Newer or higher-value machines may qualify for longer terms, while older or specialty equipment may have shorter options. We’ll work with you to structure a plan that keeps your monthly payments manageable while getting you the equipment you need.
Get Pre-Approved Today
GET PRE-APPROVED TODAY
If you're ready to invest in heavy equipment for your next project, Heavy Iron Capital can help you secure the financing you need quickly and efficiently. We offer flexible equipment financing programs for contractors, construction companies, and equipment operators purchasing new or used machinery nationwide—including dump trucks, excavators, bulldozers, cranes, directional drills, and more.
Our streamlined process makes it easy to finance equipment from dealerships or private sellers so you can keep projects moving and grow your business with confidence.
No hard inquiries — No impact on your credit. Get Pre-Approved Today. Or Give Us a call (866) 786-1711
CONSTRUCTION NEWS
Your Source for the Latest Construction Industry News
Our construction blog covers everything you need to know about construction equipment, financing strategies, industry news, and business tips for contractors. Whether you're running a small grading crew or managing a growing construction company, we’ve got the insights to help you make smarter equipment decisions and grow your business.