Grader Financing
At Heavy Iron Capital, we provide tailored grader financing programs for contractors and construction companies in need of a grader. Whether you’re purchasing new or used equipment, our team offers competitive terms, fast approvals, and a streamlined process—without a hard credit inquiry. Let us help you secure the grader you need to move your projects forward with confidence.
Finance Your Next Grader with Confidence
Reliable Funding for Heavy-Duty Earthmoving Equipment
Purchasing a motor grader is a major investment—and choosing the right financing partner is just as important. At Heavy Iron Capital, we specialize in grader financing for contractors, site prep companies, and equipment rental businesses that need to stay on schedule and under budget.
Whether you’re acquiring a new Cat 140 motor grader for road construction or a used John Deere grader for site leveling, we offer fast approvals and customized payment plans to match your business needs.
With no hard credit inquiries and funding options up to $1 million, we make it easy to secure the grading equipment that keeps your operation moving forward.
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)
Full Ownership Without the Complexity of a Lease
An Equipment Finance Agreement (EFA) offers a simple way to own your grader while avoiding lease restrictions and end-of-term clauses. With fixed monthly payments and minimal paperwork, EFAs are one of the easiest ways to finance yellow iron.
- Full ownership after final payment
- No usage limits, residuals, or buyouts
- Works well for used graders and off-dealer purchases
- Easier to qualify for than traditional bank loans
If you want to finance a grader quickly and without red tape, an EFA gives you the control and flexibility you need.
Grader Lease
Lower Monthly Payments and End-of-Term Flexibility
A grader lease allows you to access top-tier equipment with lower upfront costs and more flexible end-of-term options. Leasing is a great fit for contractors who want to upgrade often or minimize ownership risks.
- Lease terms from 12 to 60 months
- Options to buy, renew, or return
- $0 down programs available (OAC)
- Tax savings potential through Section 179 deductions
Lease new or used graders with terms that align with your project schedule and cash flow.
Grader Loans
Build Equity in Your Equipment with Fixed Monthly Payments
If long-term ownership is your goal, a grader loan is a smart financing solution. We offer competitive loan programs for both new and used motor graders—whether you’re buying from a dealer or a private seller.
- Terms from 24 to 72 months
- Fixed interest rates and predictable payments
- Private party and auction purchases welcome
- No mileage or hour restrictions
Own your grader outright and strengthen your equipment fleet with confidence.
Frequently Asked Questions
What are typical terms for equipment financing?
Typical equipment financing terms range from 24 up 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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