Contractor Equipment Financing

Contractor Capital Funding finances construction equipment and machinery from $25,000 to $5,000,000 — excavators, skid steers, dozers, loaders, and full fleets from makers like CAT, Komatsu, Deere, Bobcat, Case, and Volvo — with approval that leans on your business bank deposits and revenue more than your credit score. All credit is considered, decisions come back in roughly 4 to 24 hours, and approved deals are often funded the same or next day. Whether you're buying iron, refinancing equipment you already own to free up cash, or pairing a machine purchase with working capital to cover fuel, parts, and payroll, you apply online and get an answer fast.

• Finances contractor equipment and machinery from $25,000 to $5,000,000
• Covers CAT, Komatsu, Deere, Bobcat, Case, Volvo and more — new, used, dealer, private-party, or auction
• Approval leans on business bank deposits and revenue, not just credit score
• All credit considered — bankruptcy, liens, and thin files still reviewed
• Decisions typically in ~4 to 24 hours
• Approved deals often funded the same or next business day
• Use for purchases, fleet expansion, equipment refinance, or working capital

What this financing covers

This is capital built around the equipment side of a contracting business. Use it to purchase new or used machinery, expand or replace a fleet, refinance iron you already own to pull cash out, or bridge the gap between an equipment need and a job that hasn't paid yet.

• Machine purchases — excavators, skid steers, backhoes, dozers, wheel loaders, compactors, cranes, and attachments.
• Fleet expansion — add trucks, trailers, and multiple units at once as your job pipeline grows.
• Equipment refinance — free up cash tied in machines you already own outright.
• Working capital alongside equipment — cover fuel, parts, repairs, transport, and payroll so a new machine doesn't drain your operating account.

Dealers, private-party sales, and auction purchases are all workable. If it runs on a jobsite and earns you money, it's a candidate for funding.

How it works

The process is built to move at the speed of a jobsite, not a bank branch.

1. Apply online. A short application plus a few months of business bank statements. No lengthy financial packages to assemble.
2. Underwriting reviews deposits and revenue. We look at the cash actually flowing through your business — consistent deposits carry more weight than a credit number.
3. Decision in ~4 to 24 hours. You get a real answer with real terms, not a maybe.
4. Funds released fast. Approved deals are often funded the same or next business day so you can close on the machine before someone else does.

All credit profiles are considered. A past bankruptcy, tax lien, or thin credit file doesn't end the conversation — your bank activity tells the story that matters most.

Amounts, terms, and what to expect

Financing runs from $25,000 to $5,000,000. The right structure depends on the size of the machine, your monthly revenue, and how long the equipment earns for you.

Factor	Typical range
Funding amount	$25,000 - $5,000,000
Basis for approval	Business bank deposits & revenue (all credit considered)
Decision time	~4 to 24 hours
Funding speed	Often same or next business day
Equipment type	New, used, dealer, private-party, or auction
Documentation	Application + recent business bank statements

Larger machines and longer earning lives generally support larger amounts and longer terms. We size the deal to what your deposits can comfortably carry, never to a number that strains the operation.

Realistic examples

Every deal is priced to the business, but these scenarios show how contractors typically use equipment financing.

Contractor	Need	Amount	Outcome
Grading crew, 3 yrs in	Used CAT excavator to take on a road-widening bid	$95,000	Approved in ~6 hours on strong deposits despite a 610 credit score; funded next day, machine on-site that week.
Site-prep company	Two Bobcat skid steers plus attachments for fleet expansion	$140,000	Approved same afternoon; funded the following morning to close a dealer package before month-end.
Excavation contractor	Refinance two paid-off Komatsu dozers for working capital	$310,000	Pulled cash out of owned iron to cover payroll and fuel across three active jobs; decision in under 24 hours.
Utility subcontractor	Deere wheel loader + working capital for parts and transport	$425,000	Structured as one funding covering the machine and a cash buffer; funded same day it was approved.

Amounts and timing shown are illustrative of common outcomes, not a quote or a promise of approval.

Why deposits matter more than credit

A credit score is a snapshot of the past. Your bank statements are a live feed of the business today — the deposits landing, the revenue holding steady, the cash a new machine will help generate. That's why underwriting weights consistent business banking activity above the credit bureau.

For contractors, this is the difference-maker. Seasonal swings, a rough year in the rearview, or credit dinged by a slow-paying GC don't disqualify you when your deposits show a working, earning operation. Bring your recent statements and let the numbers speak. All credit is considered — strong, thin, or bruised.

When financing beats paying cash

Draining your operating account to buy a machine outright can leave you exposed the moment a job runs long or a client pays late. Financing keeps cash in the business while the equipment starts earning immediately.

• Preserve working capital for fuel, payroll, parts, and the next mobilization.
• Match cost to income — the machine pays for itself out of the jobs it wins.
• Move on opportunity — bid bigger work knowing you can put iron on it fast.
• Free up owned equipment through refinance when you need liquidity, not another loan application marathon.

The goal isn't debt for its own sake — it's keeping the operation liquid and the fleet working at the same time.

Frequently asked questions

What equipment can I finance?

Construction machinery and fleet equipment — excavators, skid steers, dozers, loaders, backhoes, cranes, compactors, trucks, trailers, and attachments from makers like CAT, Komatsu, Deere, Bobcat, Case, and Volvo. New or used, and whether you're buying from a dealer, a private party, or an auction.

How much can I get?

Financing ranges from $25,000 to $5,000,000. The amount you qualify for is driven mainly by your business bank deposits and revenue, along with the type and value of the equipment.

Do I need good credit?

No. Approval leans on your business bank deposits and revenue more than your credit score, and all credit is considered. A past bankruptcy, tax lien, or thin file doesn't automatically disqualify you — your bank activity carries the most weight.

How fast can I get a decision and funding?

Decisions typically come back in about 4 to 24 hours after you apply. Approved deals are often funded the same or next business day, so you can close on a machine quickly.

Can I refinance equipment I already own?

Yes. If you own machines outright, you can refinance them to pull cash out for working capital, payroll, fuel, or your next purchase — often decided in under 24 hours.

What do I need to apply?

A short online application and a few months of recent business bank statements. There's no lengthy financial package to assemble, and the entire process is handled online.

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