Excavator loans and leases — mini through full-size, new and used. Application-only for qualifying businesses, with terms up to 72 months. Financing available nationwide.
Also financing: Skid steers · Dump trucks · Cranes & boom lifts · All construction equipment
Financing isn't tied to any dealer's captive program — bring a quote from any dealer or vendor and compare real options. EquipMatch is independent and not affiliated with any equipment manufacturer.
Whether you're comparing an excavator loan, a lease, or the dealer's finance desk, the structure is what matters. Rates vary by credit profile, time in business, and the machine's age. Representative program structure:
| Program | Typical structure |
|---|---|
| Application-only | Up to $100K for qualifying businesses — no financial package |
| Terms | 24–72 months |
| Equipment | New & used |
| Transaction size | $10K–$500K |
| Structures | Equipment loans (you own it) and leases (lower payment, flexible end-of-term) |
Four things move an equipment financing rate more than anything else: your credit profile, time in business, the equipment's age and type, and the term length you pick. Newer machines and shorter terms price better; newer businesses price higher than established ones and put money down up front. Application-only deals trade a slightly higher rate for speed and zero paperwork — for most working contractors that trade is worth it.
The honest answer to “what’s the rate?” is that a real quote takes about two minutes of information — that’s the form above. Payment calculators only get you a ballpark, because payment depends on credit, term, and the machine’s age. No obligation, no credit pull to see options.
Rates, terms, and approval vary by applicant and are not guaranteed. All programs subject to credit approval.
No — ticket size drives the process, not the machine class. Minis usually clear application-only; larger machines may take a fuller look, case-by-case up to the program maximum.
Payment depends on the price, the term you pick (24–72 months), your credit profile, and the machine’s age — which is why an online payment calculator only gets you a ballpark. The two-minute form returns real options with real numbers: no obligation, no credit pull to see them.
Yes — used excavator deals are a normal part of the program. Age and hours are considered per deal.
Yes — buckets, thumbs, augers, and breakers can typically be rolled into the same deal.
Newer businesses can qualify — on a higher credit profile than an established business, and with money down up front. How much higher depends on the machine. Established businesses qualify on a lower profile and on larger deals.
Not to the financing. All major brands qualify on the same terms — compare machines on their merits, not on the dealer's finance desk.
Yes — financing is available nationwide. Apply online and fund a machine from a dealer or vendor anywhere in the country.
Fill out a short form — your business, the equipment, and roughly how much. About two minutes, no obligation.
A financing specialist will contact you during business hours to confirm details and go over your financing options.
Documents are collected through a secure portal — never by email — and your approval moves to funding.