Heavy Equipment Financing
Heavy equipment—excavators, loaders, bulldozers, cranes, and specialized machinery—represents a major capital investment. Equipment financing allows businesses to acquire or upgrade assets while preserving cash flow. When banks or vendor programs decline, alternative lenders may evaluate deals based on collateral, revenue, and structure.
Heavy equipment is expensive. A single excavator or loader can cost hundreds of thousands of dollars. Businesses in construction, mining, agriculture, and industrial sectors need financing to acquire or replace machinery. Banks often restrict heavy equipment lending due to industry risk, collateral complexity, or credit. Dealer in-house programs may decline buyers who do not fit. Alternative financing fills a gap for deals that may qualify depending on structure and collateral.
Brokers, equipment dealers, and advisors routinely encounter clients who were declined elsewhere. The referral partner network evaluates opportunities that may qualify depending on structure, revenue, collateral, and lender guidelines. No approval is promised—each deal is reviewed on its merits. Send declined business loans for evaluation. See what is equipment financing for an overview of how equipment-backed deals work.
Situations where heavy equipment financing is often explored:
Heavy equipment financing is typically collateral-backed. The machinery secures the loan or lease, which may allow lenders to consider deals that unsecured programs would decline. A broker or dealer with a signed referral agreement submits the deal. The financing partner evaluates and may match it to lenders with heavy equipment programs.
Deals are reviewed based on equipment type, value, age, revenue, time in business, and credit. What one lender declines, another may consider. Vendors can learn how vendors get paid for referring financing when deals close. Compensation is revenue share on successful placement. No approval is promised—each opportunity is evaluated on its merits.
Excavator purchase declined by dealer. A grading contractor needs a new excavator; the dealer's program declined due to credit. The dealer refers the deal to a financing partner. An alternative lender with equipment-backed programs may consider the deal depending on structure and collateral.
Loader fleet expansion declined by bank. A landscaping company needs two additional loaders. The bank declined due to industry exposure. The company's broker submits to a referral network. Equipment financing may create options when the machinery secures the transaction.
Used bulldozer for mining operation. A small mining operation needs a used bulldozer. The dealer's in-house program declined. The dealer refers through the send declined business loans process. Review the referral agreement before submitting.
Construction, mining, agriculture, and industrial businesses use heavy equipment financing when they need to acquire or upgrade machinery. Brokers use it when clients are declined by banks or dealer programs. Equipment dealers use it when in-house financing says no—and they can earn revenue share when deals close. The common thread: a need for evaluation beyond the first lender's box.
This is not a guarantee. It is an additional path to explore. Send declined business loans for review through the referral partner process. Review the referral agreement before submitting. Related: construction equipment financing and equipment financing for construction companies.
Submit borrower, equipment details, and request by email.
We evaluate the opportunity and identify possible funding paths based on multiple factors.
Partners stay informed throughout the process.
When a deal closes, partners may receive 35% revenue share per the agreement.
FAQ
Heavy equipment financing is financing used to acquire excavators, loaders, bulldozers, cranes, and other large machinery. The equipment typically serves as collateral. Approval depends on deal structure, revenue, and lender guidelines.
Heavy equipment may include excavators, loaders, bulldozers, dump trucks, cranes, graders, and specialized machinery for construction, mining, agriculture, or industrial use. Approval varies by lender and equipment type.
Equipment dealers with a signed referral agreement can refer buyers who were declined by in-house programs. Vendors may receive revenue share when deals close. Learn how vendors get paid for referring financing.
Brokers can send declined business loans for evaluation. Review the referral agreement before submitting.
Credit requirements vary by lender. Equipment-backed deals may consider borrowers with lower credit when collateral and revenue support the transaction. Approval is not guaranteed—each deal is evaluated on multiple factors.
Some lenders finance new and used equipment. Guidelines vary by lender and equipment type. Each opportunity is evaluated individually; no approval is promised.
Yes. Brokers and vendors who refer deals must have a signed agreement with the financing partner. The agreement defines compensation, protects both parties, and establishes the process.
Have a declined deal?
Review the referral agreement, sign it, and submit opportunities for evaluation.
