Backhoe Financing
At Heavy Iron Capital, we provide tailored backhoe financing programs for contractors and construction companies in need of a backhoe. Whether you’re purchasing new or used backhoe, 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 Backhoe with Confidence
Reliable Funding for Heavy-Duty Earthmoving Equipment
Purchasing a backhoe loader is a strategic investment for contractors and utility companies — and the right financing partner makes all the difference. At Heavy Iron Capital, we specialize in backhoe financing for business owners who need dependable yellow iron to power their operations.
Whether you’re adding a new John Deere 310L to your fleet or picking up a used Cat 420 for municipal work, we offer fast approvals, flexible payment options, and a financing experience built around your business — not against it.
With no hard credit inquiries and competitive terms, we make it easy to grow your fleet without putting pressure on your cash flow.
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)
Flexible Ownership Without Lease Restrictions
An Equipment Finance Agreement (EFA) offers a straightforward way to finance a backhoe while keeping full control over the asset. It works like a loan, but with more flexibility and fewer restrictions than a traditional lease.
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Full ownership after the final payment
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Fixed monthly payments with no usage caps
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Easier documentation than a bank loan
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Ideal for used backhoes or private party purchases
If you want to build equity in your equipment while preserving your working capital, an EFA is a smart way to get it done.
⚡ Quick approvals and same-day funding available.
Backhoe Lease
Low Monthly Payments With Maximum Flexibility
Leasing a backhoe gives you access to high-performance machines with less capital upfront. It’s a smart option for contractors who frequently update their equipment or need a machine for a specific project.
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Lower monthly payments compared to loans
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$0 down options available (OAC)
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Lease terms from 12 to 60 months
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End-of-term options: buy, extend, or return
We’ll help you structure a lease that works for your workload and tax strategy.
🔧 Ask about Section 179 and FMV leases for added savings.
Backhoe Loans
Own Your Backhoe With Straightforward Monthly Payments
A traditional backhoe loan is a great option if you’re looking to own the equipment from day one. Our loan programs cover both new and used models and are ideal for businesses that want long-term control of their equipment.
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Loan amounts up to $1,000,000
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Terms from 24 to 72 months
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Competitive fixed rates
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Use your backhoe as collateral — not your home
Whether you’re buying from a dealer or private seller, we’ll tailor the loan to match your revenue cycle and job timelines.
👉 Apply today with 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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Cranes & Lifts
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