Construction Equipment Financing

Equipment We Finance

We fund a wide range of new and used construction equipment, including:

  • Skid steers and mini excavators
  • Backhoes and wheel loaders
  • Trenchers, dozers, and compactors
  • Dump trucks and trailers
  • Utility trucks and service vehicles
  • Concrete saws, breakers, and hydraulic attachments
  • Site trailers and storage containers
  • Specialty construction machines
Explore Equipment Financing
Construction team operating financed compact excavator

Who We Help

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Our construction equipment financing is designed for: General contractors and sub-contractors Excavation, grading, and paving crews Demolition and concrete companies Startups and newly licensed builders Small operators adding their first machine Mid-sized crews scaling up to win bigger bids No matter your company size or time in business, we help you compete with the right tools.

Where You Can Buy Equipment

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We finance equipment sourced from: Local or national dealerships Heavy equipment auctions (pre-approval available) Private sellers and used machinery resellers Equipment liquidations or lease returns If you’ve already found the machine — send us the quote. If not, we can guide you through the process.

Construction Equipment Financing Options

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Equipment Loans Own your equipment from day one. Perfect for long-term assets with ongoing utility on job sites. Lease-to-Own Financing Lower initial investment, flexible terms, and the option to buy at the end. Helpful for managing cash flow between projects. Used and Auction Financing Get pre-approved before bidding or purchasing used machinery. Private party purchases accepted.

How It Works

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Step 1: Apply Online No hard credit pull — and it takes just a few minutes. Step 2: Get Approved Fast We’ll review your info and send custom options — often in less than 24 hours. Step 3: Finalize and Fund We send payment directly to the seller and help you get the equipment on-site quickly.

Why Contractors Choose Smart Business Credit

  • Approvals in 24 hours or less
  • All credit types and startups welcome
  • Private seller and auction financing allowed
  • Programs from $10,000 to $500,000+
  • Flexible structures aligned with job cycles
  • Personalized support from a team that understands construction

Whether you're replacing worn-out machines or scaling your fleet to win more contracts, we’re here to help you do it right.

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Smart business credit logo

Explore Related Financing Programs

Heavy Equipment Financing

Heavy Equipment Financing

Used Equipment Financing

Used Equipment Financing

Auction Equipment Financing

Auction Equipment Financing

Startup Equipment Financing

Startup Equipment Financing

Apply Now

Apply Now

Frequently Asked Questions

Do you finance used equipment or auction purchases?

Absolutely. We can get you pre-approved for used or auction equipment with ease.

Can I qualify if I’m a new contractor or small business?

Absolutely. We specialize in helping startups and small operators.


What’s the minimum and maximum amount I can finance?

Anywhere from $10,000 to $500,000 or more, depending on your business needs.

Is there a hard credit check to apply?

No. We only do a soft pull for pre-approval — it won’t affect your credit score.


How fast is the process?

Most approvals happen within 24 hours. Funding shortly follows.


Office Business Hours
Mon–Sat: 9 AM–5 PM
Sunday: Closed

24/7 availability for quotes.


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© 2025 Civilized Savage
Based in Philadelphia