Heavy Equipment Financing & Heavy Machinery Loans
What We Finance
We are one of the best heavy equipment financing providers, funding a wide range of new and used heavy equipment, including:
- Excavators
- Skid steers
- Backhoes
- Wheel loaders
- Dozers
- Trenchers
- Dump trucks and trailers
- Telehandlers and forklifts
- Pavers and compactors
- Cranes and specialty rigs
We also support financing for attachments, trailers, and equipment packages. Whether you're upgrading your fleet or replacing a single machine, we’ve got you covered.
Who We Serve
Read more
Our heavy equipment financing companies' programs are ideal for: General contractors Excavation and grading businesses Utility and sitework crews Road building and paving companies Demolition and concrete contractors First-time buyers and small operators Construction startups and fleet expansions Whether you’ve been in business for 10 days or 10 years, we provide specialized heavy machinery financing and heavy construction equipment financing to help you get the tools to get the job done.
Where You Can Buy
Read more
As leading heavy equipment lenders, we offer financing for heavy equipment purchased from: Dealers and rental fleet resellers Private sellers Equipment auctions Online marketplaces Manufacturer partners Send us the equipment quote or link, and we’ll handle the rest.
Loan and Lease Options
Read more
Equipment Loans Secure a loan for heavy equipment and own your machinery outright with fixed payments. Lease-to-Own Programs Lease to own heavy equipment to lower your initial cost and manage cash flow. Used and Auction Equipment We specialize in used construction equipment financing and pre-approvals for auction buys.
How It Works
Read more
Step 1: Apply Online Submit a quick, no-risk application no hard credit pull. Step 2: Get Approved Fast Most approvals are issued within 24 hours. Step 3: Finalize and Fund We coordinate directly with your seller and release funds quickly so you can take delivery.
Why Contractors Choose Smart Business Credit
- Fast pre-approvals with minimal documentation
- Low down payment and deferred payment options
- EIN-only and startup-friendly programs
- Lease and loan structures tailored to project cycles
- Private party and auction purchases welcome
- Dedicated team who knows your industry
We’ve helped hundreds of small contractors, operators, and crews get access to the equipment they need. Whether you're replacing a machine, scaling your fleet, or starting from scratch we’re ready to support you.
Frequently Asked Questions
Do you finance used equipment or auction purchases?
Yes. We can pre-approve you before the auction or finance machines from private sellers and dealers.
Can I qualify as a new contractor or small company?
Yes. We regularly work with startups and small crews, including first-time buyers.
What’s the approval timeline?
Most applications are reviewed and approved within 24 business hours.
Is there a minimum or maximum loan amount?
We finance heavy equipment deals from $10,000 to $500,000+ depending on the asset and your needs.
Do you work with all credit types?
Yes. We look at your business story, not just your credit score.
