Contractor Equipment Financing in New York, NY

New York contractors and trade businesses can get $25,000 to $5,000,000 in contractor equipment financing — approved on your revenue and bank deposits, not just your credit (FICO 500+), with approval in 1 to 3 days. Contractor Equipment Financing funds new or used equipment with the machine as collateral. You don't need an existing loan or advance to qualify — this is straight first-position capital for New York contractors.

Get funded in New York — see your amount

Two-to-four-hour decisions. Same-day funding. No obligation. Apply Online →

Why New York contractors choose us

• Your receivables carry the file. A 500+ FICO in New York is workable when deposits arrive consistently.
• No existing facility needed. First-position funding, priced for a book with money still out on the street.
• $25K to $5M. Cover one payroll cycle while you wait, or carry a New York job all the way to final payment.
• Faster than the payment cycle. Most New York approvals come in 2 to 4 hours and fund the same day — well inside a progress-billing window.

Where contractor equipment financing actually goes for New York subcontractors

Subcontracting in New York means fronting labour and material long before the invoice clears. That capital typically goes to:

• Buy or replace heavy equipment
• Add trucks and trailers
• Upgrade to newer machines
• Add capacity for a new contract

How it works in New York

Apply online in minutes, connect 3 months of business bank statements, and get a decision in 2 to 4 hours. Once approved, New York contractors are funded the same day. Requirements: FICO 500+, 6+ months in business, and $10,000+ in monthly revenue.

Common questions

How fast can a New York business get funded? Most approvals come in 2 to 4 hours, with same-day funding once you're approved.

Do I need an existing loan or advance? No. This is first position, and a New York subcontractor with no open advances gets the best pricing on offer.

What credit score do I need? 500+ FICO is accepted. What matters more is that deposits land steadily while receivables are still outstanding.

Get contractor equipment financing in New York today

Fast, first-position funding for New York contractors — approved on revenue, funded the same day. Apply Now ⚡