Heavy Equipment Financing
Are you looking to buy heavy equipment and need financing? We are the number one independently owned construction and transportation equipment finance company in the United States — contact us to help grow your fleet and put iron on your next job.
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Tell us about your business and a specialist will reach out shortly.
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Trusted By Business Owners & Fleet Managers Since 1995
Contractors and fleet operators count on CFF for heavy equipment loans and leases —
the iron they need to take on bigger jobs and keep projects moving.
When the Job Can't Wait, Your Financing Shouldn't Either
When your company faces a major project, you need excavators, bulldozers, pavers, and other heavy construction equipment ready — no room for downtime. Whether it's a boom crane for a big build or a compact skid steer for tighter sites, our competitive rates and flexible loans and leases help you start strong. Count on full transparency, a streamlined process, and support as you grow.
What Kinds of Heavy Equipment Do We Finance?
Skid steers, backhoes, loaders, bulldozers, excavators, graders, paving machines, cranes, directional drills, mobile concrete batching plants, and more. Not sure we cover what you need? Contact us — we'll walk through your asset and your options.
Skid Steers & Compact Equipment
Skid steers are essential for versatility and maneuverability in construction, demolition, property maintenance, paving, and more. We offer heavy equipment loans and leasing so you can trench, break concrete, haul loads, and keep crews productive.
Excavators, Loaders & Bulldozers
When the job calls for digging, lifting, pushing, or moving earth, wheel loaders, track loaders, excavators, and bulldozers make the difference in winning work. Finance or lease the iron your operation needs to bid and deliver.
Cranes, Graders & Paving Equipment
From boom cranes and service cranes to graders, paving machines, directional drills, and mobile concrete batching plants — we understand specialized heavy equipment and how to structure financing that fits your projects and cash flow.
Understanding Heavy Equipment Financing Options
Loans and leases each have a role. We'll help you compare ownership, payment, tax, and end-of-term choices so the structure fits how long you plan to run the machine and how you manage cash flow.
Financing With Loans
Put the equipment to work in your business right away while you build equity. Depreciation and interest treatment depend on your situation — we help you structure payback so it fits the job pipeline.
- Own the asset and control disposal
- Flexible repayment tailored to your operation
Financing With a Lease
Often lower monthly payments than loans, with paths to newer units under warranty. At end of term you may purchase, renew, or step into upgraded equipment — we align term length with how long you plan to run the machine.
- Preserve borrowing capacity for other business needs
- Match payments to contract and utilization
New & Used Equipment
Finance new or used heavy equipment from dealers, auctions, or private-party sellers. We focus on getting workable options in place so you can put iron on the job site without draining working capital.
- Private-party transactions where it makes sense
- Broad range of ages and hour counts considered
Growing Fleets & Larger Awards
Adding multiple machines for a bigger bond line or multi-site program? We structure master-style agreements and staged fundings so you can scale capacity without juggling a separate deal for every unit.
- Consolidate related acquisitions
- Coordinate timing with delivery and mobilization
How Does Heavy Equipment Financing Work?
You get flexibility and support to add the equipment your jobs demand. Here's how it typically flows:
Application — quick online application or connect with our financing specialists
Quick review and approval — we weigh credit, time in business, and your equipment needs
Financing options — choose programs, terms, rates, and structures aligned with your goals
Funding — finalize paperwork; approved funds are disbursed so you can acquire your equipment
Ongoing support — your heavy equipment finance specialist stays available for questions
Why Choose Commercial Fleet Financing?
You have choices in who finances your heavy equipment. With CFF you get a specialist partner from application through funding and beyond — the same mix of speed, rate competitiveness, and clarity the industry has relied on for decades.
Fast Decisions, Funding That Keeps Pace
Heavy machinery moves quickly — so do we. Many loans are approved within 24 hours, and you could have funding in as little as two business days, with a straightforward application and specialists who speak contractor and fleet.
Competitive Rates, Transparent Pricing
Rates tailored to your credit and business history, comparable to what banks and credit unions offer — without hidden fees or confusing language. Flexible terms and programs built for different equipment purchases.
Construction & Transportation Focus
Since 1995 we have helped business owners and fleet managers finance equipment — including the latest strategies for heavy equipment. You get a partner who knows the industry, not a generalist guessing at your job site.
Ready To Finance Heavy Equipment?
Loaders, excavators, dozers, and more — apply today to compare financing options and put iron on your job site without tying up all your cash.
- Flexible loan and lease options
- Approvals in as little as 2 hours
- Terms up to 84 months
- Dedicated financing specialist
The form on the right is for pre-qualification. No SSN required.
Get Pre-Qualified
Tell us about your business and a specialist will reach out shortly.
* As low as zero down financing with approved credit.
Product availability is subject to confirmation of eligibility and underwriting. Products may vary based on credit profile and the state in which your business is located. Certain products may not be available in all states or to all customers. Commercial equipment financing, loans, and leases are offered or brokered by Commercial Fleet Financing, Inc. and its financing network.