Funded Contractor Capital Apply Now →
Equipment Financing · 2026

Contractor Equipment Financing

Finance the trucks, machines, and tools your crews need — with the equipment itself as collateral.

Short answer: Equipment financing lets contractors buy or lease trucks, excavators, and tools with the equipment as collateral, so approval leans on the asset and your revenue (FICO 500+). Funded Contractor Capital finances new and used gear from $10,000 to $2,000,000, in 1-3 days.

What contractors finance

Typical 2026 ranges through Funded Contractor Capital.

EquipmentFinance rangeTerm
Trucks & service vehicles$15K – $150K24–60 mo
Excavators & heavy equipment$40K – $2M36–72 mo
Skid steers & attachments$20K – $120K24–60 mo
Tools & used equipment$10K – $75K12–48 mo

Why contractors choose us

  • The equipment is the collateral — no extra assets pledged
  • FICO 500+ accepted; approval on revenue
  • Funds in as little as 24 hours
  • Repay as fixed payments or a share of deposits
  • No tax returns — 3 months of bank statements
  • One application, multiple funding options

What you need to apply

  • US-based contracting business
  • 6+ months in business
  • ~$30,000+ in monthly revenue
  • Last 3 months of bank statements
  • Valid EIN and business bank account

Frequently asked questions

Can I finance used equipment?
Yes — used and auction equipment qualifies; age and condition affect the term and down payment.
Do I need a down payment?
Often not for newer equipment; older machines may require a modest down payment.
How fast can I get funded?
Most contractors fund within 24 hours of approval; smaller amounts can fund the same day. The application takes about 5 minutes with a soft credit pull.
Do I need good credit?
No — FICO 500+ can qualify because approval is weighted toward revenue and bank-deposit consistency.

Finance your next machine

Apply in 5 minutes with a soft credit pull. Keep cash in the business.

Apply Now →

Figures shown are typical 2026 industry ranges and vary by underwriting; actual terms are set at application. Funding is subject to approval. Product and company names referenced are the property of their respective owners.