Get capital for your next piece of equipment — Construction Financing
Connect with lenders who understand construction. Fast approval for dozers, excavators, compressors, and more—no need to drain cash reserves.
Soft inquiry only. Your credit stays clean.
4.9 Excellent · 3,200+ reviews via Big Think Capital- Equipment financing
- Heavy equipment loans
- SBA equipment loans
- Used equipment financing
- Equipment leasing
- Seasonal financing
- Fleet acquisition
- Residual value
Construction equipment financing for contractors and construction businesses
Financing options matched to your situation, in one place.
- PURCHASE Buy new or used Finance earthmoving, compaction, or power tools. Terms up to 72 months.
- LEASE Lease instead of buy Monthly payments. No down payment required. Walk away when you're done.
- SBA SBA-backed equipment loans Lower rates for established contractors. Borrow $50K to $5M with government backing.
- UPGRADE Trade-in refinance Trade old equipment toward a new buy. Recapture value and upgrade your fleet.
- $10K–$2M Typical loan range
- 24–72 hrs Approval to funding
- 580+ Minimum credit score accepted
What business owners say
4.9-
This company was lightning fast and the experience was amazing. Thank you, Dan — you're a real pro!
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Good service Joseph Krajewski is the best agent ever. He provided excellent service. I strongly recommend working with him if you have the opportunity.
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They gave me a chance when nobody else would. I'm very satisfied.
How the money moves.
One soft check to match. One hard pull, and only from the lender you choose. That mechanism is why this is not a broker.
Lenders who understand construction
- All partners fund equipment loans for GCs, subs, and owner-ops—not general lenders.
- They know downtime costs and seasonal cash flow gaps.
Multiple quotes at once
- See 3–5 offers tailored to your credit and loan size without repeating applications.
- Compare rates, terms, and down-payment asks in one place.
Credit flexibility
- Bad-credit and no-credit-history options available from lender partners.
- Newer businesses and seasonal operators welcome.
Why the usual lenders say no.
Your revenue is real. The problem is the form. Here is why traditional underwriting turns away healthy operators in this space, and what we do differently.
Banks want 20% down
Traditional banks demand large down payments and won't touch used equipment or newer LLCs.
You have thin or poor credit
Credit score below 620 kills a bank loan application instantly.
You need equipment fast
Traditional bank lending takes 4–8 weeks and requires an appraisal, inspector site visit, and legal review.
What a funded request actually looks like.
Composite illustrative scenarios, not specific borrowers. Each is built from the kinds of requests this niche routinely sees.
General contractor, 6 years in business
Excavator and skid-steer loader for new residential subdivision contract.
Subcontractor, credit score 595
Concrete compactor and power generator for foundation work; seasonal cash flow.
Demolition company, 18 months operating
High-reach excavator and shear attachment; lender accepts new business with tax returns.
Owner-operator, no down payment available
Pressure washer, scaffolding, and pneumatic tools for commercial cleaning contracts.
Working capital and lines of credit for contractors
Once your equipment is financed, you may need cash for crew payroll, fuel, or materials. Many lenders offer short-term LOCs and invoice factoring tailored to construction seasonal swings.