Construction Equipment Financing
At Heavy Iron Capital, we provide tailored construction equipment financing programs for contractors, builders, and equipment rental companies in need of dump trucks, excavators, loaders, cranes, and other heavy equipment. Whether you’re purchasing new or used construction equipment, our team offers competitive terms, fast approvals, and a streamlined process—without a hard credit inquiry. Let us help you secure the equipment you need to move your projects forward with confidence.
Finance Your Next Construction Equipment with Confidence
Fast, Flexible Funding for Yellow Iron and Heavy Equipment
Investing in construction equipment is essential for growth—but it doesn’t have to drain your capital. At Heavy Iron Capital, we specialize in construction equipment financing for contractors, site development crews, and equipment rental companies across the country.
From excavators and bulldozers to dump trucks and graders, we provide funding for all major types of yellow iron. Whether you’re buying new or used, from a dealer, auction, or private seller, our financing solutions are built around your business.
With fast approvals, flexible terms, and no hard credit inquiries, we make it easy to get the equipment you need—without slowing down the job.
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.
Construction Equipment Leasing
Lower Monthly Payments and Built-In Flexibility
Leasing construction equipment is a smart move for businesses that want to preserve cash flow, upgrade often, or take on short-term projects. We lease everything from mini excavators to heavy dozers.
- Lease terms from 12 to 60 months
- End-of-term buyout, renewal, or return options
- $0 down programs available (OAC)
- Potential tax advantages under Section 179
Keep your costs low while getting the equipment you need, when you need it.
Construction Equipment Loans
Own Your Equipment with Fixed Terms and No Surprises
A traditional equipment loan gives you full ownership of your equipment from the start. We offer construction equipment loans for a wide range of machines and vehicles, including new and used purchases.
- Terms from 24 to 72 months
- Fixed interest rates and predictable payments
- Finance any brand or model — from Cat to Komatsu
- Private party and dealer purchases accepted
Build equity while expanding your fleet with confidence.
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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