Financing FAQs

At Heavy Iron Capital, we provide tailored equipment financing programs for contractors and construction companies in need of 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 yellow iron you need to move your projects forward with confidence.

Equipment Financing – Finance yellow iron from $50K to $5M+

Quick & Easy Applications - Takes 2 minutes to fill out

Fast Approvals – Get approved in 24 Hours

No Hard Credit Pull – Check your options risk-free

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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?
To qualify for equipment financing with Heavy Iron Capital, you’ll typically need the following:

A FICO score of 650 or higher

2+ years in business (or equivalent industry experience)

Equipment valued at $50,000 or more

A reasonable down payment (usually 0% up to 40% based on credit profile)

Proof of income or business revenue

Startups are welcome, and we offer flexible programs based on your unique situation. The equipment itself often serves as collateral, which can make approval easier than traditional loans. Best of all, our pre-approval process requires no hard credit check and won’t impact your score.
How hard is it to get equipment financing?
Getting equipment financing is often easier than securing a traditional business loan—especially when the equipment itself serves as collateral. At Heavy Iron Capital, we make the process simple with a streamlined application, soft credit checks, and fast approvals. If you have a FICO score of 650 or higher, a stable income source, and are financing equipment valued at $50,000 or more, your chances of approval are possible. We also work with startups and newer businesses to help them qualify whenever possible.
What credit score do you need for equipment financing?
We look for a minimum credit score of 650 for construction equipment financing. At Heavy Iron Capital, we specialize in working with qualified borrowers who have good credit, but we also offer programs for startups and business owners with limited credit history. While a higher score can help you secure better rates and terms, your time in business, down payment, and the type of equipment you’re financing also play a key role in the approval process.
How long can you finance construction equipment?
Construction equipment can typically be financed for 24 to 72 months, depending on the equipment’s age, value, and your credit profile. At Heavy Iron Capital, we offer flexible term lengths to fit your cash flow and project needs. Newer or higher-value machines may qualify for longer terms, while older or specialty equipment may have shorter options. We’ll work with you to structure a plan that keeps your monthly payments manageable while getting you the equipment you need.
What types of construction equipment can I finance?
Do I need a down payment to get approved?
How long does it take to get funded?
Can I finance used construction equipment?
Will applying affect my credit score?
Can I finance equipment from a private seller or auction?
Do you offer financing to startups or new businesses?
What documents are required to apply?
Can I lease construction equipment instead of buying?
What happens at the end of the financing term?
That depends on your financing structure:

With a loan or EFA, you own the equipment outright once it’s paid off.

With a lease, you may have the option to buy, renew, or return the equipment. We’ll walk you through the options before you sign.

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:

Heavy Iron Capital

Your Partner in Heavy Equipment Financing

At Heavy Iron Capital, we specialize in one thing: helping construction professionals get the equipment they need to move dirt, break ground, and build what’s next. From excavators and bulldozers to dump trucks and graders, we provide fast, reliable financing solutions for the machines that power your job site.

With decades of experience in heavy equipment financing, our team understands the unique needs of contractors, owner-operators, and growing construction businesses. Whether you’re buying from a dealer or a private seller, we’re here to make the process smooth and straightforward—with flexible terms, quick approvals, and no hard credit inquiries.

Our Mission

We’re here to help you grow. Our mission is to remove the financial friction between you and the equipment you need to get the job done—because when you move, the industry moves with you.

90-Day Pre-Approval Guarantee

Once you’re pre-approved by Heavy Iron Capital, your approval is valid for 90 days—with no additional credit checks required.

Guaranteed No Hard Inquiries

Get pre-approved in minutes with no hard credit inquiries and zero impact on your personal or business credit.

Quick & Easy + Fast Funding!

Construction equipment financing made easy. We’ve built a fast, hassle-free approval process with quick funding.

Any Make & Model

We finance any make and model of construction equipment—new or used, from any dealer or private seller.

Startups Welcome

We work with new businesses to help you secure the construction equipment you need to get started and grow.

Excellent Customer Service

Get pre-approved in minutes with no hard credit inquiries and zero impact on your personal or business credit.

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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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Financing FAQs

Frequently Asked Questions

What are typical terms for equipment financing?

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?

What types of construction equipment can I finance?

Do I need a down payment to get approved?

How long does it take to get funded?

Can I finance used construction equipment?

Will applying affect my credit score?

Can I finance equipment from a private seller or auction?

Do you offer financing to startups or new businesses?

What documents are required to apply?

Can I lease construction equipment instead of buying?

What happens at the end of the financing term?

Real Reviews By Equipment Owners Like You

Heavy Iron Capital

Your Partner in Heavy Equipment Financing

Our Mission

Construction News

Your Source for the Latest Construction Industry News

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