Equipment financing · New & used · FICO 500+

Contractor Equipment Financing in Rhode Island

Rhode Island: get $25,000 to $5,000,000 in as little as 24 hours — approved on your revenue, FICO 500+, no existing advance needed.

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Rhode Island 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 Rhode Island contractors.

Get funded in Rhode Island — see your amount

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

Why Rhode Island contractors choose us

  • Approved on revenue, not just credit. A 500+ FICO in Rhode Island gets a fair shot when the numbers are there.
  • No open loan required. This is first-position funding — you don't need an existing advance to qualify.
  • $25K to $5M. A quick bridge or serious growth capital for Rhode Island contractors — one source covers the range.
  • Same-day speed. Most Rhode Island approvals come in 2 to 4 hours, funded the same day.

What Rhode Island contractors use contractor equipment financing for

Rhode Island's economy runs on healthcare, education, and marine trades, and owners put this capital to work on:

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

How it works in Rhode Island

Apply online in minutes, connect 3 months of business bank statements, and get a decision in 2 to 4 hours. Once approved, Rhode Island 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 Rhode Island 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 funding for Rhode Island contractors with no open advances — a clean balance sheet gets the best terms.

What credit score do I need? 500+ FICO is accepted. We underwrite on Rhode Island revenue and bank deposits, not the score alone.

Get contractor equipment financing in Rhode Island today

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