Heavy Equipment Financing for U.S. Businesses
Reviewed by Fund That · Commercial financing education · Updated September 29, 2026
Heavy equipment financing can help U.S. businesses acquire excavators, loaders, skid steers, dozers, cranes, trucks and other high-value productive assets without paying the full purchase price upfront.
What equipment may be considered?
- Excavators and mini excavators
- Skid steers and compact track loaders
- Wheel loaders, backhoes and dozers
- Cranes, telehandlers and lifts
- Dump trucks and specialty commercial vehicles
- Forestry, road-building and material-handling equipment
What do financing providers review?
Providers may consider the business’s operating history, cash flow, credit profile, existing obligations, the asset’s age and condition, purchase price, seller and intended business use.
New or used heavy equipment?
Both new and used assets may be considered, although older equipment may require additional verification and can be subject to tighter age or value limits.
What documents may be needed?
A quote or invoice, equipment details, seller information, recent bank statements and other business financial information are commonly requested depending on the provider and transaction.