Loader Financing
At Heavy Iron Capital, we provide tailored loader financing programs for contractors and construction companies in need of a loader. Whether you’re purchasing new or used track or wheel loader, our team offers competitive terms, fast approvals, and a streamlined process—without a hard credit inquiry. Let us help you secure the loader you need to move your projects forward with confidence.
Finance Your Next Loader with Confidence
Reliable Funding for Heavy-Duty Earthmoving Equipment
Purchasing a loader is a major investment—and having the right financing partner can make all the difference. At Heavy Iron Capital, we specialize in loader financing for contractors, construction companies, and equipment rental businesses looking to expand their operations.
Whether you’re financing a compact loader for tight job sites or a heavy-duty wheel loader for large-scale earthmoving, we offer tailored solutions built around your business needs.
With fast approvals, flexible terms, and no hard credit inquiries, we make it easy to get the equipment you need to keep your jobs on schedule. Our team understands the value of yellow iron and is dedicated to helping you grow your fleet with confidence and clarity.
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)
Simple Loader Financing with Full Ownership
An Equipment Finance Agreement (EFA) gives you full control of your loader from day one — no end-of-term surprises, no hidden fees. You make fixed monthly payments and own the equipment outright once the agreement is complete.
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Full ownership from the start
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Ideal for yellow iron like loaders, backhoes, and dozers
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Easier to qualify for than many traditional loans
If you want to own your loader without lease restrictions or balloon payments, an EFA offers a straightforward path to get there.
⚡ Fast funding available with minimal paperwork.
Loader Lease
Lower Payments. More Flexibility.
A loader lease lets you preserve capital while still getting the equipment you need to grow. With flexible structures and lower monthly payments, leasing is a smart move for contractors who want access to top-tier equipment without a large upfront investment.
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Available for most loader types: skid steers, track loaders, wheel loaders, etc.
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Terms from 12 to 60 months
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End-of-term options: purchase, extend, or return
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$0 down options available (on approved credit)
Leases are ideal if you’re upgrading frequently or working on short-term jobs.
Wheel Loader Loans
Finance Your Loader and Own It From Day One
Whether you’re buying a compact track loader, wheel loader, or skid steer, a loader loan gives you full ownership with predictable monthly payments. Heavy Iron Capital offers flexible loan programs with fast approvals, competitive rates, and no hard credit inquiries.
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New or used loader financing from any dealer or private party
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Terms from 24 to 72 months
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Keep the equipment as an asset on your books
This is a great option for business owners who want long-term control and the ability to build equity in their equipment.
👉 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.
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