Skid Steer Financing
At Heavy Iron Capital, we provide tailored skid steer financing programs for contractors, builders, and equipment rental companies. Whether you’re purchasing new or used skid steers, our team offers competitive terms, fast approvals, and a streamlined process—with no hard credit inquiry. Let us help you secure the skid steer you need to keep your projects moving forward with confidence.
Finance Your Next Skid Steer with Confidence
Reliable Funding for Heavy-Duty Earthmoving Equipment
Whether you’re breaking ground on new projects or adding machines to your rental yard, a skid steer is one of the most versatile tools in your fleet. At Heavy Iron Capital, we specialize in skid steer financing for contractors, construction companies, and equipment rental businesses looking to expand without tying up cash flow.
From compact models for tight job sites to high-horsepower machines for heavy lifting, we offer tailored financing programs for new and used skid steers—whether you’re buying from a dealer or private party.
With no hard credit inquiry, fast approvals, and flexible terms, getting the right equipment for the job has never been easier.
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)
Equipment Finance Agreements Built for Contractors
An Equipment Finance Agreement (EFA) gives you the benefits of ownership—without the rigid terms of a traditional loan or lease. It’s one of the most popular financing tools among contractors and equipment operators, and it’s typically easier to qualify for than a standard loan.
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You own the skid steer once payments are complete
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Fixed monthly payments with no surprises
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Use the equipment—not your home—as collateral
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No usage limits or restrictions like you’d see with a lease
EFAs are a great fit if you’re financing heavy equipment like skid steers and want full control from day one. At Heavy Iron Capital, we structure each EFA around your business—not against it.
⚡ Fast funding. Minimal paperwork. No hard credit inquiry.
Skid Steer Lease
Preserve Cash Flow with a Low-Upfront Skid Steer Lease
Leasing a skid steer is a smart option if you want lower monthly payments and the flexibility to upgrade or return the equipment at the end of the term. Our skid steer lease programs are ideal for contractors who need short-term equipment or want to stay current with newer models.
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Lower upfront costs than a traditional loan
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Lease terms available from 12 to 60 months
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End-of-term flexibility: buy it out, renew, or return
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Tax advantages through Section 179 or operating lease structures
Our leasing options are built for growing businesses that want to maximize cash flow while keeping their equipment strategy agile.
Skid Steer Loans
Flexible Loans for New & Used Skid Steer
Buying a skid steer outright with a loan is a smart move if you want full ownership from the start. At Heavy Iron Capital, we offer skid steer loans with competitive rates, fast approvals, and no hard credit inquiry—so you can secure the equipment you need without unnecessary delays.
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Finance new or used skid steers from any dealer or private seller
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Loan terms available from 24 to 72 months
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Keep the equipment as an asset on your balance sheet
Whether you’re expanding your operation or upgrading older equipment, a loan gives you complete control—with payments structured around your business cash flow.
👉 Apply today and get pre-approved in minutes—no impact to your credit.
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.
Earthmoving Equipment
Construction Trucks
Cranes & Lifts
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.
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