Finance Your Construction Equipment: Excavators, Bulldozers & Heavy Machinery

Do you need excavators, bulldozers, cranes, or other heavy construction equipment but want to preserve your cash flow for payroll and materials? Construction equipment financing lets you acquire the machinery that drives your projects while spreading costs over manageable monthly payments. Whether you're expanding your fleet, upgrading aging equipment, or starting new projects, financing helps you get the tools you need without depleting working capital.

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Heavy Machinery Financing

New or Used

Excavators, bulldozers, cranes, dump trucks, and specialized construction equipment

Fast Approval Process

24-48 hours

Get approved to keep your equipment acquisition and projects on schedule

Project-Ready Financing

More Projects

Get equipment financing that works with your project timelines and seasonal cash flow needs

Construction Equipment Financing That Works for Your Business

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Construction projects demand reliable equipment, but heavy machinery purchases shouldn't drain the cash flow you need for payroll, materials, and unexpected costs. Equipment financing lets construction companies access excavators, bulldozers, cranes, and specialized tools while preserving working capital for daily operations and new project opportunities.

Why Construction Companies Choose Equipment Financing:

  • Preserve cash flow - Keep capital available for labor costs and material purchases
  • Flexible terms - 24-72 month payment options that work with project-based revenue cycles
  • Seasonal considerations - Payment structures that understand construction's busy and slow periods
  • New and used options - Finance quality used equipment to maximize your budget or get the latest models
  • Fast approvals - Get equipment decisions in 24-48 hours to keep projects on schedule

Construction Equipment We Finance:

From small contractors to large commercial builders, we finance the equipment that keeps construction projects moving: excavators, bulldozers, cranes, dump trucks, concrete mixers, generators, compactors, and specialized trade equipment.

Ready to get the construction equipment your projects demand? Most applications receive approval within 24-48 hours, allowing you to secure equipment quickly and keep your job schedules on track.

 

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New and Used Construction Equipment: Choose What Fits Your Budget

Construction companies need flexibility when building their equipment fleet. Term equipment financing works for both new and used machinery, letting you choose the option that matches your project demands and cash flow.

New vs Used Equipment:

New construction equipment offers latest technology, full warranties, and longer financing terms, while used equipment provides reliable performance at significantly lower monthly payments. Many successful construction companies use both strategies - used equipment for standard work and new machinery for specialized applications.

We finance excavators, bulldozers, cranes, dump trucks, concrete equipment, and specialized construction machinery in both new and used conditions, with terms based on equipment age and condition.

 

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Term Equipment Financing

Own your construction equipment immediately with fixed monthly payments over 24-72 months while claiming full tax benefits and building business equity.

TRAC Lease for Construction Fleets

Commercial vehicle financing with no usage limits, modification freedom, and guaranteed buyout options for construction transportation needs.

Used Equipment with Financing

Quality pre-owned construction equipment inventory with immediate financing available - from excavators to commercial trucks.

Get Approved.
Get Funded.
Get Going.

  1. Submit
    Our simple application process is designed to be completed in just a few minutes.
  2. Approval
    Once your application is complete, it will be reviewed and you will receive an answer within 48 hours.
  3. Funding
    Upon approval, your equipment will be funded and you can start using it to help grow your business.
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Simple Qualification Process for Construction Companies

Getting construction equipment financing doesn't require extensive paperwork or lengthy approval processes. Most established construction companies can qualify with basic business documentation, allowing you to focus on projects instead of financing hassles.

Why Construction Companies Choose Equipment Financing:

Equipment financing preserves the working capital you need for payroll, materials, and unexpected project costs. Instead of tying up cash in equipment purchases, spread costs over 24-72 months while keeping your construction projects funded and on schedule.

Most applications receive approval decisions within 24-48 hours, helping you secure equipment quickly when project demands change or equipment breaks down unexpectedly.

 

Business Experience

2 +Year

in Construction Established construction companies with operational history qualify for competitive equipment financing rates

Good Credit Advantage

650+

credit score opens access to better construction equipment financing rates and terms

Financial Strength

$250k+

revenue shows cash flow for equipment and operational costs

Heavy Equipment Experts

Specialized financing for construction machinery and equipment need

Common Questions About Construction Equipment Financing

You can finance virtually any construction equipment including excavators, bulldozers, cranes, dump trucks, concrete mixers, compactors, generators, and specialized trade equipment. Both new and used equipment qualify, with financing available from any dealer or manufacturer.

Most construction equipment financing applications receive approval decisions within 24-48 hours. This fast turnaround helps keep your projects on schedule and allows you to secure equipment when opportunities arise or when equipment breaks down unexpectedly.

Yes, both new and used construction equipment qualify for financing. Used equipment often requires lower monthly payments and can help you stretch your equipment budget further. We finance quality used equipment that's typically less than 10-15 years old, depending on the equipment type and condition.

Equipment financing preserves your working capital for essential expenses like payroll, materials, and unexpected project costs. Instead of tying up $50,000-$200,000+ in equipment purchases, you can spread costs over 24-72 months while keeping cash available for daily operations.

Yes, you can finance entire equipment packages or fleets in a single transaction. This approach often provides better rates and simplifies your payment structure. Many construction companies finance multiple pieces when starting new projects or expanding operations.

More Fequently Asked Questions

Expert Construction Equipment Financing Guidance

Focus on your construction projects while we handle the financing details. Work with equipment financing specialists who understand construction cash flow needs and can structure terms that work with your project-based revenue cycles.

Our Reviews Speak For Themselves

5 Stars

(11)

Jerry Moreira

Great Sales Team, overall a good experience. I signed all paperwork at distance (docusign) and obtained a great commercial rate (interest). Laura and her leadership was decesive in my involment with CEFI…

Lenix Reyes

Dedicated Commercial Bank. We are costumers since few years ago. Laura is a great professional and helps me to complete our goals. If you need some financial advice and financing services call CEFI.

Meta Transport

I 100% recommend this company. They helped me buy my first truck and I’m now on my 12th all because of CEFI! Five stars. I want to thank them for all their help. Especially Sergio and Alexis…