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✓ Funded in 24 hours✓ 500+ credit OK✓ $25K–$5M✓ Soft credit pull✓ Apply in 1 minute
Used Equipment · 2026

Used & Auction Equipment Financing for Contractors

Buying pre-owned to stretch your budget? Finance used excavators, skid steers, and trucks with the machine itself as collateral.

$25K–$5Mfunding range
24 hrstypical funding
500+credit scores OK
Contractors& trades
No collateralfor working capital

See how much your contracting business qualifies for

$25K to $5M for contractors and trades — approved on your revenue, funded in as little as 24 hours. No collateral for working capital.

  • ✓ 500+ credit
  • ✓ 6+ months open
  • ✓ $10K+/mo revenue
1-Minute Application

Apply Now — Get Funded in 24 Hours

Start your application in about a minute. A real decision fast — soft credit pull, no obligation.

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🔒 Soft credit pull · will not affect your credit score

Short answer: Used equipment financing lets contractors buy pre-owned or auction machines — excavators, skid steers, trucks, tools — with the equipment as collateral. Terms and any down payment depend on the machine's age and condition, but FICO 500+ qualifies and deals fund in 1-3 days. Bring the seller's quote or invoice and we finance against it.

Financing used equipment by type

Typical 2026 ranges for pre-owned equipment through Contractor Capital Funding. Age and condition affect terms.

Used equipmentFinance rangeTypical term
Used work trucks$15K – $120K24–48 mo
Used excavators / loaders$30K – $400K36–60 mo
Used skid steers$15K – $90K24–48 mo
Auction-bought machines$10K – $300K24–48 mo
Older / high-hour equipment$10K – $150K12–36 mo

Why finance used with us

  • The machine is the collateral — buy smart, keep cash
  • FICO 500+ accepted; approval on revenue
  • Auction and private-party purchases qualify
  • Funds in 1-3 days with the seller's quote
  • Terms matched to the equipment's useful life
  • Fixed payments you can bid around

What you need to apply

  • US-based contracting business
  • 6+ months in business
  • Seller quote or invoice for the equipment
  • Last 3 months of bank statements
  • Valid EIN and business bank account

Frequently asked questions

Can I finance equipment bought at auction?
Yes. Auction and private-party purchases qualify. Provide the invoice or winning-bid documentation and we finance against the machine.
Does the age of the equipment matter?
Yes. Older or high-hour machines can still be financed, but the age and condition affect the term length and any down payment required.
Do I need a down payment on used equipment?
Often not, especially for newer used machines. Older equipment may require a modest down payment depending on your revenue.
Can I finance used equipment with bad credit?
Yes — FICO 500+ qualifies because the equipment secures the deal and approval leans on your revenue.
How fast can it fund?
Typically 1-3 business days once the seller's quote and your bank statements are in.

Finance your next used machine

Apply in 5 minutes with a soft credit pull. Buy pre-owned and keep cash in the business.

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Ranges shown are typical 2026 industry figures and vary by equipment age, condition, and underwriting; actual terms are set at application. Financing is subject to approval. Product and company names referenced are the property of their respective owners.

Get funded in 24 hours

Approved on your revenue, not just your credit. Start your 1-minute application.

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Why contractors choose us

Funding that fits construction cash flow — retainage, progress draws, equipment, and payroll gaps.

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Built for the trades

General contractors, subs, and every trade. We fund the way construction actually gets paid.

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Funded in 24 hours

Cover materials, mobilization, or payroll between draws — decision in as little as 4 hours.

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Approved on your revenue

500+ FICO accepted. Underwritten on your deposits and receivables, not just your score.

Ready to get funded?

Approved on your deposits, not just your score. Funded in as little as 24 hours.

START MY 1-MINUTE APPLICATION →
Apply Now — Funded in 24 Hours →
Before you go

See how much your contracting business qualifies for

$25K–$5M · funded in 24 hours · 500+ credit OK. A soft credit pull that will not affect your score.

START MY 1-MINUTE APPLICATION →

No obligation · takes about a minute