Construction Equipment Financing for U.S. Businesses
Reviewed by Fund That · Commercial financing education · Updated September 29, 2026
Construction equipment financing can help U.S. contractors acquire productive assets such as excavators, skid steers, loaders, backhoes, dozers, cranes, lifts and other jobsite equipment without tying up all available cash.
What construction equipment may be financed?
- Excavators and mini excavators
- Skid steers and compact track loaders
- Backhoes, wheel loaders and dozers
- Telehandlers, boom lifts and scissor lifts
- Cranes, compactors and trenching equipment
- Attachments and other productive jobsite assets
What do financing providers review?
Providers may consider the business’s time in operation, revenue, bank activity, existing obligations, credit profile, equipment age and condition, seller information and how the asset will be used.
New or used construction equipment?
Both may be considered depending on provider criteria. Used equipment can require additional valuation, condition or seller verification.
What documents may be needed?
A quote or invoice, equipment details, seller information, recent bank statements and other business financial information may be requested.