Call Us & Get Prequalified For Your Loan

First Capital Business Finance

Loans Against Construction Equipment

First Capital

Get working capital against your construction equipment

Loans Against Construction Equipment

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!

First Capital

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

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.
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


What Our Customers Say

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:

  • Working capital loans designed for equipment acquisitions.
    Flexible financing options for leasing or purchasing heavy equipment.
  • Skid steer financing to meet your specific needs.
    Backhoe financing solutions to keep your operations running smoothly.
  • Excavator financing for efficient and effective project execution.
  • Financing options for essential concrete and asphalt equipment.

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

Same Day Loan Approval