Call Us & Get Prequalified For Your Loan

888-565-6692

First Capital Business Finance

Loans Against Construction Equipment

First Capital logo 2
First Capital logo 1

First Capital Business Finance

Get working capital against your construction equipment

Maximize the Value of Your Construction Equipment with First Capital’s Strategic Financing Solutions

Everyday we’re seeing huge changes with technology for all industries, and this includes the construction industry as well. Having access to the latest and most efficient equipment is paramount for success. We understand the importance of leveraging the equity using your existing assets like your construction equipment, and we are here to offer specialized financing solutions tailored to the unique needs of your industry. Our non-traditional approach ensures that you can unlock the full potential of your equipment, whether you’re looking to optimize your fleet, undertake new projects, or address unforeseen challenges. Your traditional bank can take weeks, maybe even months to get the funding needed. Not only do bank have a lengthly process, but the qualifications are very stringent. Explore the possibilities with First Capital Business Finance and elevate your construction business to new heights.  Speak to one of our seasoned advisors to see how much you qualify for 888-565-6692. 

Loans Against Construction Equipment

Unleash the Power of Your Construction Equipment!

Welcome to a place where your machinery becomes the key to unlocking financial opportunities.

Our “Loans Against Construction Equipment” service empowers your business by converting your valuable assets into capital. Explore how leveraging your equipment can drive your business forward with financial flexibility.

If you’re looking for some extra working capital for your business, we are the experts in providing the easiest and fastest funding in our industry! If you have some equipment that you can pledge as collateral, you can unlock the equity in that equipment and get funding anywhere from $20,000 to $3,000,000! This type of financing DOES NOT require daily payments and will not require merchant statements. This program is based on the wholesale value of your collateral, that you are going to pledge. If you have been speaking with several other working capital providers, you might have been asked to provide bank statements or credit card merchant processing statements. Those loans typically have repayment terms ranging from 3 to 18 months and they require you to make daily or weekly payments. Our program offers monthly payments with terms ranging from 12 to 60 months. We do not restrict the use of funds. That means you can use the proceeds for more equipment, cover payroll, payoff other existing financing obligations, purchase real estate or working capital. Best of all, we can move very fast!

  • Great Solution to Payoff MCA Loans
  • No Credit Score Required!
  • Previous Bankruptcy is OK!
  • Previous Foreclosures is OK!
  • Financing up to $3,000,000!
  • No Limitations on Use of Proceeds!
 
Discover a range of services tailored to meet the unique requirements of construction businesses, providing the capital you need, when you need it!
First Capital Business Finance

Our Services

Commercial & Semi Truck Financing

Read More >
Not Traditional Financing for Your Commercial Truck is Available
Learn More

Heavy Equipment Financing

Read More >
We Can Finance Your Construction Equipment With Bad Credit
Learn More

Business Loans

Read More >
We Offer 24 Hour Approval on Working Capital Loans
Learn More
More Services

Benefits of Loans Against Construction Equipment

Capitalize on Your Assets for Instant Financial Gains! Experience the advantages of our loans – quick access to capital, flexibility in usage, and the ability to leverage existing construction equipment. Unlock the potential of your machinery to address immediate financial needs, driving growth and success for your construction business.

Do you qualify for a working capital loan using your construction equipment?

For this working capital program, you should know that we would like to see a minimum of two pieces of equipment, with the minimum wholesale value of $20,000 per item. The age of the equipment should not exceed 2004, and you will need to be able to prove ownership. We also offer alternatives if you don’t own construction equipment. To see if you qualify for this program you can either contact one of our representatives at 888-565-6692 and speak with one of our representatives.

Application Process: Seamlessly Navigate Your Path to Financial Empowerment! Initiating your application is as easy as 1-2-3. Follow our simple step-by-step guide to apply for a loan against your construction equipment. From submission to approval, we’ve streamlined the process to ensure a hassle-free experience. Your journey to financial flexibility starts with a straightforward application.

Repayment Options: Flexible Repayment Tailored to Your Business Needs! We understand the ebbs and flows of the construction industry. That’s why our loans come with flexible repayment options. Choose a schedule that aligns with your business cycles and enjoy the freedom to manage your finances efficiently while keeping your operations running smoothly.

Commercial Equipment Leasing And Financing

What if you don’t have construction equipment?

A great alternative to this program would be either our Working Capital Business Loans or if you own real estate. Yes, that’s right! If you also own any type of real estate, we will not need any heavy construction equipment as collateral. This will include, commercial office, multifamily, retail, industrial, land, and residential.

Requirements to obtain a working capital loan

  • No Credit Score Require- BAD CREDIT OK!
  • Previous Bankruptcy is OK!
  • Previous Repossessions is OK!
  • Previous Foreclosures is OK!
  • No Tax Returns Needed!
  • Financing up to $2,000,000!
  • No Prepayment Penalty!
  • Early Discount Payoff On All Approvals!
Eligible Equipment
  • Any heavy equipment with a minimum auction value of $20,000
  • Construction Equipment/Yellow Iron: bulldozers, forklifts, backhoes, excavators, loaders, etc.
  • Titled Equipment: dump trucks & vocational trucks – case by case
  • Farming Equipment: case by case (no blanket liens allowed)

Get Approved Now! Call 888-565-6692 and one of our advisors will be happy to assist you!

Construction Equipment Loans | First Capital Business Finance

Testimonials 

What Our Customers Say

"First Capital Finance has been amazing! From start to finish, always keeping in contact, never leaving us wondering what’s going on. We were funded within a week for our new equipment. When you run your own business, you can’t afford down time. Vivian, eliminated our down time! We definitely look forward to using there services again. Thank you Vivian."
Luke & Sarah WeverWever’s Tree Service, LLC
"Dear Dustin, I want to take a moment to thank you and your staff. When other small business lenders say no, First Capital Financing says YES. You and your coworkers do what it takes to help small businesses."
Jeremiah JLandscaping Co.
"I almost gave up until I talked to First Capital! It was great! He worked to help me out.  As a matter of fact, I just about gave up until I talked to Dave on the phone."
R. McKelvey
"Absolutely Unbelievable! Testimonial from another of our fantastic clients who purchased a truck with our financing! David was absolutely unbelievable, he was right on with everything and on time with everything and got everything I needed and how I needed it.”
J. Michaels
"Always available, extremely responsive. He’s phenomenal…he’s always available, extremely responsive, I love him to death I’ll be using him going forward."
B. Tyson
"They kept me in the loop the whole time. Dave was very patient with me.  He provided me with anything I need, any time I needed to talk to Dave I could get in contact with him either through email or phone call, he was very easy to get in contact with.  He stayed in contact with me and kept me in the loop of the process the whole time.  I had a very comfortable experience…"
M. Williams
"Working with Anthony was just the best…that guy is just great, he has a lot of optional things that can help out people looking for funds. He really helped out."
E. Rokotovao
"Went through Dave 3 times already, I did a capital loan the first time, then got our truck refinanced, and another capital loan. Every time I’ve dealt with him he’s been very professional and super fast."
K. Morgan
"I can’t say enough good things about our experience with First Capital Business Finance. Dustin was incredibly helpful every step of the way and always available to answer our questions. We had a tricky approval and a few bumps in the road, and he went above and beyond to help us get our truck and trailer financing. I highly recommend Capital Business Finance."
Amanda M.
"Dave Daniels is detailed oriented and a super-fantastic communicator. Customers appreciate his professionalism and ability to explain complex opportunities in layman terms. When given the opportunity he becomes an extension of your business opposed to a vendor. It is unfortunate I can’t work on all my loan opportunities with him"
Maurice Settles
"My experience with First Capital has been great. Josh Tan worked with myself and the dealership everyday and made sure all the details were handled and in place for a very smooth experience. From opening to closing he made sure I was taken care of. I will definitely be financing my second and third trucks through this company and him personally."
D. Lewis
"So I have a 26-ft box truck that was in dire need of repair because that is what I used as my source of income and it affects my livelihood. I did not have the over $5,000 needed to repair it so I reached out to first Capital and was contacted by Anthony Tran. I will say initially I was a little bit skeptical simply because this was my first time ever having to use my vehicle. That's collateral to secure a loan so I was a little nervous. But I will say that Anthony was extremely helpful. Very patient and very understanding of my situation he did get me in touch with the actual company who secured the loan for me and I just have to say that Brian and Anthony both were amazing. Absolutely amazing. I would highly recommend them. I would highly recommend Anthony mainly because of his customer service. He was awesome. I would not have been able to get my truck repaired if it was not for them. After having my truck in the shop for over a month I finally got it back repaired and I am back on the road, running east to west. Thank you so much! Anthony Tran and Brian Ojeda!!!"
L. Barrow
"I contacted First Capital Business Financial to try to buy my Box Truck through them. It was the best thing I did. I had already tried other places and it was impossible, but First Capital Business Financial made it possible when Josh worked with me and was very kind and patient, always communicating with me every day about each step to follow. Thank you Josh and First Capital Business Financial for making it possible."
R. Aponte
"Wow! they are genuinely awesome. I can honestly say Dustin helped me out from the beginning to the end. They were very attentive and stood on their word. I recommend everyone to work with them. I love good people who are honest and nice everyday. Much Love. Thanks Dustin and Brian"
J. Jenkins
"A Great Experience with First Capital Business Finance If you’re in the market for a loan, I highly recommend reaching out to First Capital Business Finance. My experience working with them was smooth and professional from start to finish. The process was straightforward, and I felt supported at every step. The team is knowledgeable and dedicated to helping clients find the best financing options available. I was particularly impressed with how they took the time to understand my needs and tailor their services accordingly. I had the pleasure of working with Todd Doan, who made the entire financing process for my semi-trucks incredibly easy. Todd's expertise really shone through as he guided me through the paperwork and explained everything in a way that was easy to understand. His attention to detail ensured that I felt informed and confident in my decisions. It’s rare to find someone who combines professionalism with a genuine desire to help, but Todd did just that. Overall, I cannot speak highly enough of my experience with First Capital Business Finance and Todd Doan. Their commitment to transparency and communication made me feel valued as a client. If you are considering financing options for your business, I encourage you to reach out to them. You’ll find a team that is not only professional but also truly invested in your success."
B. White
"I dealt with Dustin Doi whom I found to be Professional,Courteous, thorough , diligent and effective. Dustin was very helpful to me especially since my technological skill set is; at best; abysmal…Dustin went above and beyond; patiently walking me through every step that I had difficulty with. I would, and have; highly recommend(ed) Dustin to other lease -to -own operators looking to purchase their truck…. Thank you SO VERY much Dustin !… may God Bless you and keep you 🙏"
Junkyard Dog
Should you finance or lease construction equipment?

Debating between financing and leasing construction equipment? It can be a tough decision when you’re looking to acquire equipment for your business needs.

In general, if you plan to use the equipment extensively (around 60% or more of the time), buying or opting for a lease-to-own arrangement often proves to be the more cost-effective route. However, if your usage will be less frequent, leasing or even renting might make more sense.

Here are some key distinctions to consider when making your choice between equipment financing and leasing:

Equipment Loan:

  • Higher monthly payments.
  • You own the equipment at the end of the term.
  • Typically requires a down payment.
  • You may pay less over the loan term compared to a lease.
  • Equipment can become outdated during the loan term.

Equipment Lease:

  • Lower monthly payments.
  • The lender owns the equipment at the end of the term; you may have an option to purchase or begin a new lease.
  • Usually doesn’t require a down payment.
  • You may pay more over the lease term compared to a loan.
  • You can update equipment once the lease concludes.

Consider these factors carefully to determine whether financing or leasing is the better fit for your construction equipment needs.

Continue Your Construction Projects with Our Equipment Financing

At First Capital Business Finance, we specialize in offering a range of financial solutions tailored to the construction industry. Whether you’re a contractor, excavation specialist, or road construction company, we’re your trusted partner for success. Our services encompass:

Count on us to support your construction business and help you achieve your goals.

Ready to Harness the Power of Your Construction Equipment? Seize the Opportunity with First Capital’s Loans Against Construction Equipment. Apply Now to Experience a Financing Solution that Recognizes the Value of Your Assets and Is Dedicated to Empowering Your Construction Business. Your Journey to Financial Flexibility Begins Here with First Capital.

Commercial Equipment Leasing
Commercial Truck Financing
Construction Equipment Financing
Working Capital Business Loans
Business Cash Advance

Same Day Loan Approval