Earthmoving Equipment Financing
At Heavy Iron Capital, we provide tailored earthmoving equipment financing programs to contractors and construction companies in need of a heavy equipment. 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 yellow iron you need to move your projects forward with confidence.
Finance Your Next Equipment with Confidence
Fast Funding for Excavators, Dozers, Loaders & More
Earthmoving equipment is the foundation of any heavy construction project—and financing it shouldn’t slow you down. At Heavy Iron Capital, we specialize in earthmoving equipment financing for contractors, grading companies, and equipment rental operations.
Whether you’re financing a bulldozer, wheel loader, skid steer, or track excavator, we provide quick approvals, flexible terms, and financing options tailored to your workflow. We fund new and used equipment purchases from dealers, auctions, or private sellers—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) offers the best of both worlds: ownership without the complexities of a lease. With flexible terms and minimal documentation, EFAs are ideal for contractors and small business owners.
- You own the equipment after final payment
- Fixed monthly payments and no usage limits
- Easier to qualify for than traditional bank loans
- Perfect for used equipment and private party deals
No red tape. No surprises. Just clear terms and fast funding.
Earthmoving Equipment Leasing
Lower Monthly Payments and Built-In Flexibility
Leasing gives you access to the earthmoving equipment you need without a big upfront investment. It’s a smart option for short-term jobs or contractors who regularly rotate machinery.
- Lease terms from 12 to 60 months
- Buy, extend, or return at end of term
- $0 down options available (OAC)
- Section 179 eligible for potential tax benefits
We lease all major types of yellow iron, including compact track loaders, graders, and trenchers.
Earthmoving Equipment Loans
Own Your Equipment with Fixed Terms and No Surprises
Our loan programs are ideal for businesses that want to build equity and own their earthmoving machines long-term. We work with buyers at all stages, including startups and established contractors.
- Terms from 24 to 72 months
- Fixed rates and predictable payments
- Finance major brands like Cat, Komatsu, John Deere
- Private party and off-dealer deals welcome
Own your equipment and put it to work without delay.
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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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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