Construction Equipment Financing
Direct answer
RCR International Finance LLC arranges financing for new and used construction equipment, from compact machines to heavy iron used on jobsites. Contractors can fund excavators, loaders, dozers, and attachments through equipment loans or leases, often using the asset itself as collateral. Structures, terms, and any down payment are subject to underwriting and approval based on the business and the equipment quote.
Varies
Typical useful life
New & used
What's financed
Loan / lease
Both available
The asset
Secured by
Subject to underwriting and approval.
Reviewed by the RCR International Finance LLC team
Commercial finance specialists · Last reviewed January 2026
Written to reflect how construction equipment financing actually works and checked against our editorial & compliance standards.
?Quick answer
RCR International Finance LLC arranges financing for new and used construction equipment, from compact machines to heavy iron used on jobsites. Contractors can fund excavators, loaders, dozers, and attachments through equipment loans or leases, often using the asset itself as collateral. Structures, terms, and any down payment are subject to underwriting and approval based on the business and the equipment quote.
Plan ahead
Estimate your payment
Model a monthly payment for construction equipment before you apply.
Open the estimatorWhat construction equipment you can finance
A representative sample of eligible assets in this category.
- Hydraulic excavators
- Wheel loaders and skid steers
- Bulldozers
- Backhoe loaders
- Telehandlers
- Compact track loaders
- Concrete mixers and pumps
- Compaction rollers
Financing construction equipment: the basics
RCR International Finance LLC arranges construction equipment financing for businesses acquiring heavy equipment. Because the asset secures the deal, construction equipment is one of the more accessible commercial structures, and it keeps working capital free for payroll, materials, and growth. Subject to underwriting and approval.
New construction equipment financing typically supports longer terms and full manufacturer warranty coverage, which can suit contractors planning multi-year utilization. Used machine financing is widely available and is evaluated on hours, condition, and resale value, with term length often adjusted to the remaining useful life. Both are subject to underwriting and approval.
An equipment loan builds ownership and equity in the machine, which fits contractors keeping iron for many seasons. A lease can lower upfront commitment and ease rotation onto newer models, which suits firms tracking emissions standards or technology changes. The right structure depends on cash flow, tax planning, and how long you intend to keep the asset.
Loan vs lease: which fits this asset?
Both options finance construction equipment, the right choice depends on how long you keep the asset and whether ownership or lower payments matters more.
Equipment Loan
Build ownership
- You own the equipment outright at the end of the term
- Builds equity in the asset as you pay it down
- Best for equipment with a long, productive useful life
- Payments are typically higher than a comparable lease
Equipment Lease
Lower payments, flexibility
- Lower monthly payments to preserve cash flow
- Flexibility to upgrade, renew, or return at term end
- Best for assets you replace or upgrade often
- End-of-term purchase options may be available
Soft costs you can often include
Financing frequently covers more than the sticker price, so the asset is working from day one.
Freight and delivery to the jobsite or yard
Roll freight and delivery to the jobsite or yard into the financed amount where the structure allows.
Attachments and buckets bundled into the purchase
Roll attachments and buckets bundled into the purchase into the financed amount where the structure allows.
Dealer setup and pre-delivery inspection
Roll dealer setup and pre-delivery inspection into the financed amount where the structure allows.
Applicable sales and use taxes
Roll applicable sales and use taxes into the financed amount where the structure allows.
Extended warranty or service contracts
Roll extended warranty or service contracts into the financed amount where the structure allows.
How equipment financing works
Select equipment
Identify the construction equipment and obtain a vendor quote with specifications.
Apply
Submit the quote with recent bank statements so underwriting can assess the asset and cash flow.
Loan or lease
Choose an ownership-building loan or a lower-payment lease, subject to approval.
Vendor payment
On approval, financing pays the vendor and you take delivery.
Documents to finance construction equipment
- Signed equipment quote or invoice from the dealer
- Three to six months of recent business bank statements
- Most recent business tax return
- Equipment specifications, year, make, model, and hours
- Driver's license or government-issued ID of the owner
- Completed credit application
All financing is subject to underwriting and approval. Program availability may vary, and documentation requirements depend on the financing structure.
Industries that finance construction equipment
Key takeaways
- Construction Equipment can be financed new or used, with the equipment itself serving as collateral.
- Choose a loan to build ownership or a lease for lower payments and flexibility.
- Soft costs such as freight and delivery to the jobsite or yard and attachments and buckets bundled into the purchase can often be rolled into the financed amount.
- Financing is subject to underwriting and approval; RCR International Finance LLC does not guarantee rates or approval.
Proven Track Record
$566M+ funded across 78+ real closings
Results over claims. See genuine, closed equipment transactions, anonymized by business type, that RCR International Finance LLC has funded.
Finance construction equipment for your business
RCR International Finance LLC can help you compare loan and lease options for construction equipment.
All financing is subject to underwriting and approval. Program availability may vary, and documentation requirements depend on the financing structure.
Related financing
Construction Equipment financing FAQs
- Can I finance used construction equipment from a private seller?
- Often yes. Private-party purchases are reviewed case by case, and we typically request a bill of sale, serial number, hours, and an inspection or appraisal so the asset can be valued. Approval and structure are subject to underwriting.
- What term lengths are common for construction equipment?
- Terms are generally matched to the expected useful life of the machine, with newer heavy equipment supporting longer terms than high-hour used units. Your specific term is determined during underwriting based on the asset and your business profile.
- Can attachments and buckets be included in the financing?
- Yes. Attachments such as buckets, breakers, grapples, and augers can usually be bundled into the equipment financing when they appear on the same quote or invoice as the base machine.
- Do I need to put money down on construction equipment?
- Any down payment requirement depends on the equipment, the seller, and your business profile, and is determined during underwriting. Some structures are available with little to no money down, subject to approval.
Important disclosure
All financing is subject to underwriting and approval. Program availability may vary, and documentation requirements depend on the financing structure.
RCR International Finance LLC does not guarantee approval, rates, or funding amounts. Terms are determined case by case after review.