Loader Financing for Contractors and Construction Companies Nationwide
Heavy Iron Capital finances new and used wheel loaders and track loaders nationwide—with $0 down for well-qualified buyers, fast approvals, and no hard credit pull to get pre-approved.
Finance Loaders & Equipment From $25K 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 Loader with Confidence
Reliable Funding for Heavy-Duty Earthmoving Equipment
Buying a loader is a major capital decision—and the right financing partner keeps that money working in your business instead of locked in the iron. Heavy Iron Capital finances new and used loaders nationwide for contractors, construction companies, and equipment rental businesses looking to expand their fleet.
Whether you're after a compact wheel loader for tight job sites or a heavy-duty machine for large-scale earthmoving, we structure financing around your equipment and your cash flow—whether you're buying from a dealer or a private party. Terms range from 24 to 72 months, with $0 down for well-qualified buyers and no hard credit pull to get pre-approved.
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)
Simple Loader Financing with Full Ownership
An Equipment Finance Agreement (EFA) gives you full control of your loader from day one — no end-of-term surprises, no hidden fees. You make fixed monthly payments and own the equipment outright once the agreement is complete.
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Full ownership from the start
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Ideal for yellow iron like loaders, backhoes, and dozers
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Easier to qualify for than many traditional loans
If you want to own your loader without lease restrictions or balloon payments, an EFA offers a straightforward path to get there.
⚡ Fast funding available with minimal paperwork.
Equipment Finance Agreement (EFA)
Simple Loader Financing with Full Ownership
An Equipment Finance Agreement (EFA) gives you full control of your loader from day one — no end-of-term surprises, no hidden fees. You make fixed monthly payments and own the equipment outright once the agreement is complete.
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Full ownership from the start
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Ideal for yellow iron like loaders, backhoes, and dozers
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Easier to qualify for than many traditional loans
If you want to own your loader without lease restrictions or balloon payments, an EFA offers a straightforward path to get there.
⚡ Fast funding available with minimal paperwork.
Loader Lease
Lower Payments. More Flexibility.
A loader lease lets you preserve capital while still getting the equipment you need to grow. With flexible structures and lower monthly payments, leasing is a smart move for contractors who want access to top-tier equipment without a large upfront investment.
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Available for most loader types: skid steers, track loaders, wheel loaders, etc.
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Terms from 12 to 60 months
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End-of-term options: purchase, extend, or return
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$0 down options available (on approved credit)
Leases are ideal if you're upgrading frequently or working on short-term jobs.
Wheel Loader Loans
Finance Your Loader and Own It From Day One
Whether you're buying a compact track loader, wheel loader, or skid steer, a loader loan gives you full ownership with predictable monthly payments. Heavy Iron Capital offers flexible loan programs with fast approvals, competitive rates, and no hard credit inquiries.
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New or used loader financing from any dealer or private party
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Terms from 24 to 72 months
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Keep the equipment as an asset on your books
This is a great option for business owners who want long-term control and the ability to build equity in their equipment.
👉 Apply today and get pre-approved in minutes — no impact to your credit.
Wheel Loader Loans
Finance Your Loader and Own It From Day One
Whether you're buying a compact track loader, wheel loader, or skid steer, a loader loan gives you full ownership with predictable monthly payments. Heavy Iron Capital offers flexible loan programs with fast approvals, competitive rates, and no hard credit inquiries.
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New or used loader financing from any dealer or private party
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Terms from 24 to 72 months
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Keep the equipment as an asset on your books
This is a great option for business owners who want long-term control and the ability to build equity in their equipment.
👉 Apply today and get pre-approved in minutes — no impact to your credit.
FREQUENTLY ASKED QUESTIONS
Financing a loader, excavator, dump truck, or bulldozer raises 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.