Lifting Equipment Financing — Fast, Nationwide Approvals With No Hard Inquiries
At Heavy Iron Capital, we provide tailored lifting equipment financing programs for contractors, builders, and equipment rental companies that rely on cranes, boom lifts, telehandlers, and more. Whether you're purchasing new or used equipment, our team offers competitive terms, fast approvals, and a streamlined process—with no hard credit inquiry. Let us help you secure the lifting power you need to keep your projects on schedule and your business moving upward.
Finance Cranes & Equipment up to $5M+
Quick & Easy Applications - Takes 2 minutes to fill out
Fast Approvals – Get approved in 24 Hours
No Hard Credit Pull – Check your options risk-free
Get Pre-Approved Today!
Finance Your Next Lifting Equipment with Confidence
We Finance Cranes, Boom Lifts, Telehandlers & More
Lifting equipment plays a critical role on every jobsite—whether you're hoisting steel, staging materials, or working at height. At Heavy Iron Capital, we offer fast, flexible financing for lifting equipment to help contractors, builders, and equipment rental companies stay productive and on budget.
From boom lifts and scissor lifts to telehandlers and cranes, we finance new and used lifting equipment from dealers, auctions, and private sellers. With no hard credit inquiries and funding up to $1 million, we make it easy to get the lift you need—on terms that work for your business.
60-DAY PRE-APPROVAL
Once you're pre-approved by Heavy Iron Capital, your approval is valid for 60 days—with no additional credit checks required.
NO HARD INQUIRIES
Get pre-approved in minutes with no hard credit inquiries and zero impact on your personal or business credit.
QUICK & EASY + FAST FUNDING!
Construction equipment financing made easy. We’ve built a fast, hassle-free approval process with quick funding.
ANY MAKE & MODEL
We finance any make and model of construction equipment—new or used, from any dealer or private seller.
STARTUPS WELCOME
We work with new businesses to help you secure the construction equipment you need to get started and grow.
EXCELLENT CUSTOMER SERVICE
Get pre-approved in minutes with no hard credit inquiries and zero impact on your personal or business credit.
REAL REVIEWS BY EQUIPMENT OWNERS LIKE YOU
Don’t just take our word for it—see what real customers have to say. From first-time buyers to seasoned operators, contractors across the country trust Heavy Iron Capital for fast, reliable financing and unmatched service. Here's what they’re saying:
Equipment Finance Agreement (EFA)
Secure Your Construction Equipment with Fixed Payments
An Equipment Finance Agreement (EFA) gives you full control of your lifting equipment without usage limits, end-of-term clauses, or balloon payments. It’s a simple path to ownership with fewer hoops to jump through.
- Fixed payments and full ownership after the final payment
- No hour or usage restrictions
- Easier to qualify for than traditional bank loans
- Ideal for used or privately sold lifting equipment
If you need reliable lift gear without the lease complexity, an EFA is the way to go.
Equipment Finance Agreement (EFA)
Secure Your Construction Equipment with Fixed Payments
An Equipment Finance Agreement (EFA) gives you full control of your lifting equipment without usage limits, end-of-term clauses, or balloon payments. It’s a simple path to ownership with fewer hoops to jump through.
- Fixed payments and full ownership after the final payment
- No hour or usage restrictions
- Easier to qualify for than traditional bank loans
- Ideal for used or privately sold lifting equipment
If you need reliable lift gear without the lease complexity, an EFA is the way to go.
Lifting Equipment Leasing
Lower Monthly Payments and Built-In Flexibility
Leasing is ideal for companies that want to keep costs low while upgrading equipment frequently. We lease all major lifting equipment types, including truck-mounted lifts, aerial platforms, and rough-terrain telehandlers.
- Terms from 12 to 60 months
- Buyout, renewal, or return options at lease-end
- $0 down options available (OAC)
- Potential tax savings through Section 179
Use the equipment for as long as you need it—without tying up capital.
Lifting Equipment Loans
Own the Lift Equipment That Keeps Your Jobs Moving
A traditional equipment loan is the best option if you want full ownership of your lifting equipment from the start. We finance a wide range of machines for contractors and industrial applications.
- Finance boom lifts, telehandlers, cranes, and more
- Terms from 24 to 60 months
- Fixed monthly payments and competitive rates
- Buy from dealers or private sellers
Build equity in your equipment while keeping your cash flow strong.
Lifting Equipment Loans
Own the Lift Equipment That Keeps Your Jobs Moving
A traditional equipment loan is the best option if you want full ownership of your lifting equipment from the start. We finance a wide range of machines for contractors and industrial applications.
- Finance boom lifts, telehandlers, cranes, and more
- Terms from 24 to 60 months
- Fixed monthly payments and competitive rates
- Buy from dealers or private sellers
Build equity in your equipment while keeping your cash flow strong.
FREQUENTLY ASKED QUESTIONS
Financing a crane, boom trucks, scissor lifts, or telhandlers requires a different set of questions than a typical business loan — and getting the answers right can save you thousands. Below are straightforward answers to what contractors, owner-operators, and construction businesses ask us most about heavy equipment financing.
Typical equipment financing terms range from 24 to 72 months, depending on the type of equipment, its age, and the borrower’s credit profile. At Heavy Iron Capital, we offer flexible term lengths to match your budget and cash flow needs. Down payments can vary—usually between 5% and 40%—and interest rates depend on factors like credit strength, time in business, and the equipment being financed. We work with both established businesses and startups to find terms that make sense for your operation.
Get Pre-Approved Today
To qualify for equipment financing with Heavy Iron Capital, you’ll typically need the following:
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A FICO score of 650 or higher
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2+ years in business (or equivalent industry experience)
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Equipment valued at $50,000 or more
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A reasonable down payment (usually 0% up to 40% based on credit profile)
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Proof of income or business revenue
Startups are welcome, and we offer flexible programs based on your unique situation. The equipment itself often serves as collateral, which can make approval easier than traditional loans. Best of all, our pre-approval process requires no hard credit check and won’t impact your score.
Get Pre-Approved Today
Getting equipment financing is often easier than securing a traditional business loan—especially when the equipment itself serves as collateral. At Heavy Iron Capital, we make the process simple with a streamlined application, soft credit checks, and fast approvals. If you have a FICO score of 650 or higher, a stable income source, and are financing equipment valued at $50,000 or more, your chances of approval are possible. We also work with startups and newer businesses to help them qualify whenever possible.
Get Pre-Approved Today
We look for a minimum credit score of 650 for construction equipment financing. At Heavy Iron Capital, we specialize in working with qualified borrowers who have good credit, but we also offer programs for startups and business owners with limited credit history. While a higher score can help you secure better rates and terms, your time in business, down payment, and the type of equipment you’re financing also play a key role in the approval process.
Get Pre-Approved Today
Construction equipment can typically be financed for 24 to 72 months, depending on the equipment's age, value, and your credit profile. At Heavy Iron Capital, we offer flexible term lengths to fit your cash flow and project needs. Newer or higher-value machines may qualify for longer terms, while older or specialty equipment may have shorter options. We’ll work with you to structure a plan that keeps your monthly payments manageable while getting you the equipment you need.