Keep your cash on the job, not tied up in iron.
Financing for the machines that win bigger bids — excavators, loaders, dozers, and trucks. New, used, private-party, or straight off the auction block, approved fast.
The iron we finance most
Excavators and skid steers lead the way — the highest-volume, fastest approvals. Once your first machine is funded, the loader, the truck, and the attachments are easy.
Excavators — full & mini
Skid steers & track loaders
Wheel loaders
Dozers
Dump trucks & haulers
Attachments & trailers
Built for how a contractor actually gets paid
Approved in 24 hours
App-only up to $250k means a one-page application and a same-day decision. No waiting on a bank committee.
Payments around your season
Seasonal, skip, and step structures keep payments low in the slow months and match your billing.
Work before you pay
Defer the first payment up to 90 days so the machine is on a job and earning before a dollar goes out.
Used, private-party & auction
We keep lenders most brokers don’t have — so you can bid at auction with financing already in hand.
From application to equipment in three steps
Send the one-page app
Tell us the machine and a little about your business. Most deals need no financials.
Get your approval & structure
We shop our lender network and bring back terms — including seasonal or deferred options.
Put it to work
Sign digitally, we pay the seller, and you get the keys. Private-party and auction welcome.
Every reason a bank said no, we have an answer for
Write the whole machine off this year
Deduct up to $2.56M of new or used equipment in 2026 under Section 179, plus 100% bonus depreciation on the rest. For many contractors, first-year tax savings exceed the first-year payments.
2026 federal limits. Section 179 is capped by taxable income; bonus depreciation is not. Confirm specifics with your tax advisor.
“I found the excavator at an out-of-state auction on a Friday. They had my approval structured by Monday morning and paid the seller same day. My bank was still asking for tax returns.”
Questions about excavators & construction financing?
See the full FAQ and download the one-page sell sheet to share or print.
Approved today. Digging tomorrow.
Send us the machine and the one-page app. We’ll bring back your terms fast.