Construction Truck Financing
At Heavy Iron Capital, we provide tailored lifting equipment financing programs for contractors, builders, and equipment rental companies that rely on cranes, boom lifts, telehandlers, and more. Whether you’re purchasing new or used equipment, our team offers competitive terms, fast approvals, and a streamlined process—with no hard credit inquiry. Let us help you secure the lifting power you need to keep your projects on schedule and your business moving upward.
Finance Your Next Vocational Truck with Confidence
Fast Funding for Dump Trucks, Water Trucks, Flatbeds & More
Construction trucks keep your jobsite running—from hauling loads to powering cleanup and delivery. At Heavy Iron Capital, we specialize in financing construction trucks for contractors, site prep crews, and equipment rental businesses that need reliable trucks without tying up working capital.
We finance a wide range of vocational trucks, including dump trucks, water trucks, service trucks, flatbeds, roll-offs, and more. Whether you’re purchasing new or used, from a dealer or private seller, we offer flexible terms and fast approvals—with no hard credit inquiry required.
Once you’re pre-approved by Heavy Iron Capital, your approval is valid for 90 days—with no additional credit checks required.
Get pre-approved in minutes with no hard credit inquiries and zero impact on your personal or business credit.
Construction equipment financing made easy. We’ve built a fast, hassle-free approval process with quick funding.
We finance any make and model of construction equipment—new or used, from any dealer or private seller.
We work with new businesses to help you secure the construction equipment you need to get started and grow.
Get pre-approved in minutes with no hard credit inquiries and zero impact on your personal or business credit.
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:
Equipment Finance Agreement (EFA)
Secure Your Construction Equipment with Fixed Payments
An Equipment Finance Agreement (EFA) gives you full control of your truck without the restrictions of a lease. You make fixed monthly payments and own the truck outright once the term ends—no residuals or buyout games.
- Fixed terms, predictable payments
- No usage limits or return conditions
- Easier to qualify for than a traditional bank loan
- Ideal for used trucks or private seller deals
If you’re looking for a straightforward path to ownership, an EFA is the perfect fit.
Construction Truck Leasing
Lower Payments, More Flexibility
Leasing is a great option for contractors who want to upgrade vehicles regularly, reduce upfront costs, or keep payments low during early-stage growth. We lease all types of construction trucks used in commercial site work.
- Terms from 12 to 60 months
- Buy, extend, or return at the end of the lease
- $0 down programs available (OAC)
- May qualify for Section 179 tax deductions
Get the truck you need—without the commitment of long-term ownership.
Construction Truck Loans
Full Ownership with Fixed Monthly Payments
If you’re looking to own your truck from day one, a construction truck loan is a smart move. We finance both new and used equipment, from light-duty site trucks to heavy tri-axles.
- Terms from 24 to 72 months
- Fixed monthly payments and competitive rates
- Dealer, auction, or private party purchases
- Finance multiple trucks under one approval (if needed)
Own the equipment your business depends on—with a process that works as hard as you do.
Frequently Asked Questions
What are typical terms for 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 0% up to 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.
What are the requirements for equipment financing?
How hard is it to get equipment financing?
What credit score do you need for equipment financing?
How long can you finance construction equipment?
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.
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Cranes & Lifts
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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.
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