Construction equipment financing
Construction equipment financing up to $500K — built for simplicity.
Apply in minutes. Get funds as soon as 24 hours later. New or used excavators, skid steers, dozers, cranes and attachments.
What do you need funding for?
Trusted by contractors for fast construction equipment funding.
$500K
maximum equipment funding
24 hrs
typical time to funding
600+
credit scores considered
Financing options built to work for you.
Equipment Finance Agreement
A straightforward loan on the machine itself, with the equipment as collateral.
- Amounts from $10K - $500K
- Terms of 24 to 72 months
- Great for dealer or auction purchases
Equipment Line of Credit
A revolving line you can draw from all season as jobs and machines come up.
- Limits from $25K - $250K
- Draw and repay as you go
- Great for fleets adding units all year
Contractors who got the machine.
"The auction closed Friday and I needed the excavator paid for by Monday. Cap Fi had the seller wired in a day and a half. No games, no surprise fees."
Marcus Delgado
Owner, Delgado Site Works — Tulsa, OK
CAT 315 excavator · $128,000
"Two banks wanted three years of returns. My advisor looked at my deposits and the machine and had me an answer the same afternoon."
Renee Okafor
Owner, Okafor Grading LLC — Charlotte, NC
Bobcat T770 track loader · $92,500
"They told me up front my rate and the exact payment. It matched the paperwork to the dollar. That's rarer than it should be."
Tyler Brandt
Brandt Concrete & Paving — Boise, ID
Dump truck + trailer · $184,000
Customer names used with permission. Funding times and terms vary by applicant.
See why contractors choose Cap Fi.
Same-week funding
Approvals in hours and funds as soon as 24 hours after you sign, so you don't lose the machine.
No hard credit pull
Check your eligibility and see real payment ranges without affecting your credit score.
Built for contractors
Excavation, grading, concrete, paving, demo and site work — we finance the trades we know.
Straight talk
Four things we put in writing before you ever apply.
Equipment financing has more than its share of bad actors. Here is exactly how we work, so you can hold us to it.
No application fees, ever
You will never be asked to pay anything to see your options or receive an offer. If someone asks you for an upfront fee, it is not us.
Your rate before you commit
You see the payment, term and total cost in writing before any hard credit pull or signature. No bait rates that change at closing.
We never sell your data
Your information goes to underwriting only. It is not sold to lead buyers, and you will not get a wall of calls from strangers.
A named advisor, not a call center
One person owns your file from application to funding, with a direct line and email. You always know who you are talking to.
Financing built around the machines that make you money.
Dealer, auction or private-party — we fund the equipment itself, so approvals lean on your business cash flow and the machine, not two years of perfect paperwork.
- Excavators & mini excavators
- Skid steers & track loaders
- Dozers, graders & scrapers
- Backhoes & wheel loaders
- Cranes, lifts & telehandlers
- Dump trucks & trailers
- Concrete & paving equipment
- Buckets, hammers & attachments
Three steps to your equipment.
Tell us about the machine
One short form: what you're buying, roughly what it costs and where you're buying it.
Get matched to a structure
We compare terms, down payment and seasonal payment options across our lender network.
Sign and get funded
We pay the dealer, auction house or seller directly — often within 24 hours of signing.
Construction equipment financing questions
The machine won't wait. Neither should your financing.
Get real payment ranges on the equipment you're buying today — soft credit check, zero obligation.
(555) 555-0142