Excavator Financing
At Heavy Iron Capital, we provide tailored excavator financing programs for contractors and construction companies in need of excavators. 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 excavator you need to move your projects forward with confidence.
Finance Your Next Excavator with Confidence
Reliable Funding for Heavy-Duty Earthmoving Equipment
Purchasing an excavator is a significant investment—and having the right financing partner makes all the difference. At Heavy Iron Capital, we specialize in excavator financing for contractors, construction companies, and equipment rental companies looking to expand.
Whether you’re acquiring a track excavator for bulk earthmoving or a long-reach excavator for specialized jobs, we offer financing solutions that are structured around your business needs.
With fast approvals, flexible payment terms, and no hard credit inquiries, we make it easy to secure the equipment required to keep your projects moving forward. Our team understands the value of yellow iron and is committed to helping you build your fleet with confidence and clarity.
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)
Equipment Finance Agreements Built for Contractors
An Equipment Finance Agreement (EFA) gives you the benefits of ownership without the rigid structure of a traditional loan or lease. It’s one of the most common financing tools used by construction companies — and one of the easiest to get approved for.
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You own the excavator once payments are complete
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Fixed monthly payments with no surprises
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Use your equipment as collateral — not your house
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No usage limits or restrictions like a lease
EFAs are ideal if you’re financing heavy yellow iron like excavators and want full control from day one. We structure EFAs to work with your business — not against it.
⚡ Get fast funding with minimal documentation.
Excavator Lease
Preserve Cash Flow with a Low-Upfront Excavator Lease
Preserve Cash Flow with a Low-Upfront Excavator Lease
Leasing an excavator is ideal if you want lower monthly payments and flexible options at the end of the term. Our excavator lease programs are perfect for business owners who want to stay up to date with newer machines or only need the equipment short-term.
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Lower upfront costs than a traditional loan
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Terms from 12 to 60 months
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Flexible end-of-term options: buy, renew, or return
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Tax advantages with Section 179 deductions or operating lease structures
Our lease programs are great for growing contractors who want to maximize cash flow while keeping options open.
Excavator Loans
Flexible Loans for New & Used Excavators
Buying an excavator outright with a loan is a smart option if you want to own the equipment from day one. At Heavy Iron Capital, we offer excavator loans with competitive rates, no hard inquiries, and fast approvals — so you can get the machine you need without jumping through hoops.
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Finance new or used excavators from any dealer or private seller
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Terms from 24 to 72 months
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Keep the equipment as an asset on your balance sheet
Whether you’re expanding your fleet or replacing a worn-out unit, an excavator loan gives you full ownership — with payments structured around your cash flow.
👉 Apply today and get pre-approved in minutes 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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