Financing for Construction Professionals
Get the excavators, loaders, dozers, and heavy machinery your jobs demand — without tying up your capital. Fast, flexible financing designed for contractors and construction companies of all sizes.
Construction Equipment We Finance
From compact excavators to heavy earthmovers — if it’s on the jobsite, we can finance it.
Why Contractors Choose Us
We Know Construction
We work with contractors and construction companies every day. Our team understands the equipment you’re buying, seasonal cash flow fluctuations, and how to structure deals around your project timelines.
Same-Day Credit Decisions
When a project demands new equipment, you can’t afford to wait weeks for a bank. We deliver credit decisions the same day — often within hours — so you don’t miss a deadline.
Competitive Rates & Terms
We shop your deal across multiple financing sources to find the most competitive rate and structure — so you get the best deal, not just the first offer.
Simple Application-Only Programs
No tax returns. No financial statements. No business plans. For most deals, all we need is a simple one-page application and an equipment quote to get you a credit decision.
We Work with All Credit Profiles
From A-credit to startups and second-chance borrowers — we have financing options across the full spectrum. If you’ve been turned down elsewhere, talk to us first.
A Dedicated Point of Contact
You’ll work with one person from start to finish — not a call center. We know your name, your business, and your equipment. That’s how it should be.
Get Financed in 4 Easy Steps
Get Your Quote
Get a formal equipment quote from your dealer or seller with the equipment details and total cost.
Apply Online
Fill out our simple one-page application — it takes about 5 minutes.
Get Approved
We find the most competitive financing option for your deal and present you with the best terms.
Get Your Equipment
Sign electronically, the dealer gets paid directly, and you take delivery.
Trusted by Contractors Nationwide
“Commerce Capital made the entire process seamless. We were approved and funded faster than we expected, and the terms were better than what our bank offered.”
Construction Equipment Financing FAQ
Yes. We finance both new and used equipment. Many of our construction clients purchase pre-owned excavators, loaders, and dozers. As long as the equipment has remaining useful life and holds value, we can typically get it financed.
We work across the full credit spectrum — from excellent credit to startups and challenged credit. We can often find a path to approval even if your credit isn’t perfect. Reach out and we’ll give you an honest assessment.
Most credit decisions come back the same day — often within a few hours. Once approved, documents are sent for electronic signature and funding typically happens within 24–48 hours of receiving signed docs.
For most deals, no. We offer application-only programs — just a one-page credit app and your equipment quote. Larger deals or certain credit situations may require additional documentation.
In most cases, yes. Under Section 179, you may be able to deduct the full purchase price of qualifying equipment in the year it’s placed in service — even if you finance it. The 2025 deduction limit is $2,500,000. Use our Section 179 Calculator to estimate your savings, and consult your tax advisor for details specific to your situation.
Yes. We offer startup programs for contractors with less than two years of operating history. Strong personal credit and industry experience help. A down payment of 10–20% may be required. Contact us to discuss your specific situation.
Absolutely. We regularly handle bundled deals where contractors finance multiple machines, attachments, and even warranties under a single agreement with one monthly payment. This is a great way to equip an entire crew or job all at once.
Ready to Finance Your Next Piece of Equipment?
Whether you’re adding an excavator to your fleet or gearing up for a new project, Commerce Capital makes financing fast, easy, and affordable.