Construction

Construction equipment financing.

Excavators, dozers, loaders, skid steers, and other yellow iron, new or used, dealer or private seller. Every credit profile, fast decisions.

Excavators, dozers & loaders
New or used machines
Startups & challenged credit
Terms up to 72 months

Apply now Call 617-843-5612

Amounts: $20K – $500K+
Terms: Up to 72 months
Credit: A-paper to challenged
Equipment: New & used

All financing is subject to approval. Terms depend on the equipment and your credit profile.

Updated September 15, 2026

How do I finance construction equipment?

Avanti Equipment Finance finances construction equipment, new or used, from a dealer or a private seller: excavators, dozers, loaders, skid steers, and other heavy machines. Every credit profile is considered, including startups and challenged credit, on amounts from $20K to $500K+ with terms up to 72 months, and decisions can come in as little as 24 hours after a quick pre-qualification.

Financing by machine

Excavators, bulldozers, the rest of the yellow iron, dump trucks and cranes each finance a little differently: hours and undercarriage on the iron, model year on the truck, larger tickets structured properly on the cranes. Pick the one you're buying.

10+

Years of founder experience

24-hr

Fastest decisions

States served

72-mo

Terms available

Finance the machine your next job needs.

Equipment is how you win bids and finish jobs, and the machine you can't afford to buy outright is usually the one the next contract needs. We finance construction and yellow-iron equipment: excavators and mini excavators, dozers, wheel loaders, skid steers, backhoes, compactors, new or used, from a dealer, an auction or a private seller, across the full credit range.

Keep cash available for the work.

Newer outfits and seasoned contractors alike can get the machine on site without tying up working capital, and keep cash free for fuel, payroll, and the next project.

Buying used equipment?

Used iron is financed every day; the hours and condition set the term, not a blanket rule.

A financing package that fits the machine.

App-only programs skip the tax returns on many deals, and larger purchases are structured with a financial package so the payment fits the work the machine will do. Decisions come back in as little as 24 hours, we coordinate direct payment to the seller, and if equipment you already own can lower the down payment, we'll tell you.

How it works

Pick your equipment

Choose the truck or machine you need, from a dealer or a private seller, new or used.

Apply in minutes

A short application and the equipment details. We review your credit to pre-qualify, usually in just a few minutes.

Get a decision

Decisions come back in as little as 24 hours, with terms matched to your credit and time in business.

Get funded

Sign, and we coordinate funding, usually within a few days, so your equipment can get to work.

Start your application

Construction equipment financing at a glance

The program, stated plainly: what qualifies, what it takes, and what to expect.

Construction equipment financing at a glance
Equipment financed	New, used and higher-hour excavators, dozers, wheel loaders, skid steers, backhoes, compactors and other yellow iron. The term is set by hours, condition and the amount financed, not a blanket model-year cutoff.
Where you can buy	Dealers, auctions and private sellers. A private-party purchase gets the same terms as a dealer deal. The title, any lien payoff and direct payment to the seller are handled for you.
Credit profiles	Every profile, from A-paper to challenged credit, thin credit, past (discharged) bankruptcy, and startups under two years in business.
Amounts and terms	$20,000 to $500,000+ with terms up to 72 months.
Down payment	Strong credit and time in business can mean $0 down. Challenged credit (under 600) typically pairs with 30–40% down; there is no blanket model-year rule on iron. Hours and condition set the term. Owned, titled equipment can be pledged to lower the cash at closing, and you'll know the number before you put a deposit on anything.
Paperwork	App-only programs with no tax returns on many deals under $300,000. Over $300,000, plan on a financial package: two years of tax returns, a balance sheet, a P&L and bank statements. Bank statements are asked for on smaller deals only when the credit profile calls for them.
Decision and funding	Decisions in as little as 24 hours from a short online application. Avanti coordinates funding through its lending partners, paid directly to the seller, usually within a few days, for businesses in 49 states, fully remote.

Frequently asked questions

What construction equipment can I finance?

Excavators, dozers, loaders, skid steers, dump trucks, and other yellow-iron and vocational equipment, new or used, from dealers or private sellers.

Do you finance used construction equipment?

Yes. We finance used and older machines, with no model-year cutoff: the term is set by the machine's hours and condition, the amount, and your credit profile.

Can a newer business get approved?

Yes. Startups and businesses under two years old are welcome. A down payment is typically required, and a strong down payment can improve your terms.

Is there any obligation to pre-qualify?

No. Pre-qualifying is free and carries no obligation. You'll see indicative terms for your profile, and you decide whether to move forward.

Do you finance construction equipment bought at auction or from a private seller?

Yes. Auction and private-party purchases are financed with the same terms as a dealer purchase. We verify the machine and the seller, handle the title and any lien payoff, and coordinate direct payment to the seller.

Do machine hours matter on a used excavator or dozer?

They factor in alongside the machine's condition and the amount. Higher-hour machines are financed regularly; the term is set from the unit's remaining working life rather than a fixed cutoff. A recent inspection report strengthens the file.