Heavy Equipment Financing
What We Finance
We fund 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
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Our heavy equipment financing 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’ll help you finance the tools to get the job done.
Where You Can Buy
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We finance 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
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Equipment Loans Own your machinery outright with fixed payments. Loans are best for long-term assets that you’ll use daily and depreciate over time. Lease-to-Own Programs Lower your initial cost and own the equipment after the lease ends. Flexible structures make it easier to manage cash flow on big-ticket machines. Used and Auction Equipment We offer pre-approvals for used or auction-sourced equipment so you can act quickly and secure the machines you need.
How It Works
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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.
