Earthmoving Equipment
- Excavators
- Bulldozers
- Backhoes
- Wheel loaders
Structured financing helps your business invest in the equipment it needs without putting unnecessary strain on cash flow, working capital, or day-to-day operations.
With the right financing structure, your construction business can:
Startups can qualify using liquidity and ownership strength.
Regular incoming revenue signals stronger approval potential than reported profit alone.
Widely used construction equipment with strong resale value can support better financing terms and give lenders added confidence.
Approval options exist even if credit isn't perfect, especially with strong business fundamentals.
Every approval is different. Available options may depend on the equipment type, age, condition, hours, seller information, business revenue, time in business, credit profile, cash flow, down payment, and overall deal strength.
Apply in minutes and connect with a TrueCore Capital rep who can help you review available financing options for your construction equipment purchase — with flexible terms, fast approvals, and no upfront costs.
*Soft pull only — applying will not impact your credit score.
Yes. Used construction equipment can often be financed, including excavators, skid steers, loaders, backhoes, bulldozers, telehandlers, pavers, rollers, and other jobsite equipment. Lenders may review the equipment’s age, model year, hours, condition, seller information, and resale value.
Newer contractors may still have financing options, but the file usually needs to be stronger. A solid down payment, strong bank statements, relevant industry experience, active jobs or contracts, and a clear use case for the equipment can help improve approval potential.
Lenders usually look at the full picture: the equipment type, age, hours, condition, price, seller information, business revenue, time in business, credit profile, cash flow, and down payment. Equipment that directly supports revenue-producing work is typically easier to review than equipment with an unclear use case.
In many cases, yes. If the equipment helps you take on a larger job, fulfill a contract, reduce subcontracting costs, or complete work faster, that can help explain the business purpose behind the financing request.
Yes, but these purchases may require more documentation than a dealer sale. Lenders may ask for seller information, equipment details, invoices or purchase agreements, photos, serial number information, inspection documents, or proof of condition.
Pre-qualification can happen quickly with a soft pull that won’t impact your credit score, giving you a fast look at potential financing options. Full approvals can be as quick as same-day — sometimes within a few hours — when the file is complete.
Files with a completed application, invoice or purchase agreement, equipment details, seller information, and required business documents are usually easier to review quickly.
Challenged credit does not automatically mean a construction equipment financing deal is impossible. Options may depend on the equipment, down payment, revenue, time in business, bank statements, and overall deal strength. For challenged credit profiles, a stronger down payment can help improve how the file is reviewed.
TrueCore Capital can help finance many types of construction equipment, including excavators, bulldozers, backhoes, wheel loaders, skid steers, compact track loaders, graders, rollers, telehandlers, forklifts, cranes, boom lifts, pavers, trenchers, generators, compressors, and other jobsite equipment.
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