Excavators & Construction financing, questions answered.

Yes — used, private-party, and auction purchases are a core part of what we do. Many banks won’t touch these, so we keep lenders who specialize in them and can have you pre-approved before you bid.

Often, yes. We work with startup-friendly lenders and can right-size the deal, use a larger down payment, or lean on your personal credit and prior operator history to build a track record.

Most deals under about $250,000 are app-only — a one-page application and a same-day decision. Larger deals require financials and take a little longer, but still move faster than a bank.

There’s no single cutoff. Strong credit (roughly 700+) earns the best rates and app-only speed, but we also place ‘story credit’ deals with lenders who look at the whole picture — time in business, down payment, and the equipment itself.

Yes. Seasonal and skip-payment structures let payments drop or pause in your off-season and rise when you’re billing. This is something banks rarely offer and contractors rely on.

Yes — buckets, breakers, mulchers, and equipment trailers can be bundled into the same approval and payment as the machine.

Under roughly $250,000, most lenders approve ‘app-only’ — just the one-page application, no financial statements. Above that, expect to provide tax returns, financials, and bank statements.

Yes. A sale-leaseback on paid-off iron converts equipment you own into working capital, and we can refinance or consolidate existing equipment debt to improve monthly cash flow.

For app-only deals, just the application and sometimes a few months of bank statements. Have the equipment details (year, make, model, price, and seller) ready and we can move quickly.