Grader Financing, Loans, and Leasing for Contractors Nationwide - No Hard Inquires
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 Construction Equipment From $25K 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
Get Pre-Approved Today!
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.
60-DAY PRE-APPROVAL
Once you're pre-approved by Heavy Iron Capital, your approval is valid for 60 days—with no additional credit checks required.
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.
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.
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 60 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.
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 60 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
Financing a grader, bulldozer, loader, excavator, or dump truck raises a different set of questions than a typical business loan — and getting the answers right can save you thousands. Below are straightforward answers to what contractors, owner-operators, and construction businesses ask us most about heavy 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 5% and 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.
Get Pre-Approved Today
To qualify for equipment financing with Heavy Iron Capital, you’ll typically need the following:
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A FICO score of 650 or higher
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2+ years in business (or equivalent industry experience)
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Equipment valued at $50,000 or more
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A reasonable down payment (usually 0% up to 40% based on credit profile)
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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.
Get Pre-Approved Today
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.
Get Pre-Approved Today
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.
Get Pre-Approved Today
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.