Financing and leasing for construction and heavy equipment.

Minimum requirements for        construction and heavy equipment loans.

Construction and heavy equipment  loan essentials


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LOAN AMOUNT

Up to $5,000,00

 TIME IN BUSINESS

 1 YEAR+

LOAN TERMS

1-10 YEARS

Founder Funding understands the needs of construction business.


Whether you're scaling your operations or upgrading essential equipment, financing construction machinery can be a cost-effective solution for your business. With various financing options available, including secured loans and leasing, you can access the equipment you need while benefiting from competitive interest rates and flexible terms.


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Benefits of construction loans.

  • 1. Preserve Your Cash

    Financing allows you to maintain cash reserves for other business priorities. Rather than making a large upfront payment, you can distribute the cost over time, easing your financial burden.



  • 2. Stay Up-to-Date:

    Leasing equipment makes it easier to stay current with the latest technology. When your lease term ends, you can upgrade to newer models, ensuring your business remains competitive.

  • 3. Tax Benefits:

    Equipment purchases may qualify for tax deductions under Section 179 of the U.S. tax code, potentially reducing your taxable income and saving you money.

  • 4. Enhanced Flexibility:

    Financing provides the flexibility to access the equipment you need without a significant upfront investment. This enables you to take on more projects, expand your capabilities, and grow your business.

  • 5. Finish on schedule

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Should I Finance or Lease Your Heavy Equipment with Founder Funding ?


When it comes to acquiring heavy equipment, Founder Funding offers flexible solutions to fit your business needs. Instead of paying a large upfront cost, both financing and leasing allow you to make manageable monthly payments while putting the equipment to work immediately. This flexibility helps preserve your cash flow, so you can focus on growing your business without financial strain. 


With equipment financing, you gain ownership of the machinery over time. Founder Funding’s financing options allow you to pay off your loan early, often eliminating any remaining interest. This is ideal for equipment with a long lifespan, as it can be more cost-effective in the long run. Plus, you’ll have the freedom to use the equipment as long as you need it, without the restrictions of a lease term. 


On the other hand, equipment leasing provides a fixed-term agreement with predictable monthly payments. At the end of the lease, you can choose to upgrade to newer models, purchase the equipment, or simply return it. Leasing is a great option for equipment with a shorter lifespan or if you prefer to stay current with the latest technology. Founder Funding’s leasing options also use the equipment itself as collateral, simplifying the process. 


Whether you choose financing or leasing, Founder Funding is here to help you make the best decision for your business. Our tailored solutions ensure you get the equipment you need to stay competitive and grow efficiently. Let us help you find the right path to success—contact Founder Funding today to explore your options!

Equipment leasing Equipment financing
Lower monthly payments, preserving cash flow for other business priorities. Higher monthly payments for the benefit of eventual ownership.
Equipment remains with the lender, eliminating long-term ownership concerns. Full ownership of the equipment at the end of the term.
No down payment required, offering immediate access to essential machinery. Typically involves a down payment, securing your investment in the equipment.
May incur higher long-term costs but provides flexibility and lower upfront expenses. Potentially more cost-effective over time compared to leasing.
Opportunity to upgrade to the latest technology at the end of the lease. Risk of equipment becoming outdated by the end of the financing term.

How to apply for construction loans.

1. Provide Business Information

  Share a few details about your business by completing a quick and easy application in just minutes. 


2. Submit Your Application

  Submit your application.  The process is free and won’t affect your credit score. 


3. Review and Compare Offers

  Explore funding options to find the terms that align with your business needs and goals. 


4. Receive Your Funds 

  Once you accept an offer, the funds can be deposited into your bank account in as little as 24 hours. 


Get Started

Type of funding options for construction and heavy equipment ?

We offer a wide range of funding for construction and heavy equipment...

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Equipment financing

With manageable monthly payments, you can upgrade your fleet, reduce downtime, and boost productivity. Choose financing to grow your construction business and tackle bigger opportunities.







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Sba loan

An SBA (Small Business Administration) loan is a government-backed loan for small businesses. It usually has lower interest rates and longer repayment terms than traditional business loans. SBA loans can be used for various purposes, such as buying equipment, expanding, refinancing debt, or covering operational costs.

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Line of credit

Keep your construction projects on track with flexible financing. A business line of credit gives you access to funds up to a set limit, ideal for covering unexpected equipment repairs, purchasing materials for new projects, or managing payroll during slow periods. You only pay interest on what you borrow, giving you cost-effective financial control.



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Term loan

A term loan is a reliable financing solution that provides construction business owners a fixed sum upfront, repaid over time through regular payments. It's ideal for major expenses like buying machinery, launching projects, or expanding operations. With competitive interest rates, especially when secured by collateral, term loans offer an affordable way to invest in your construction business's growth.

FAQs

  • How can I use heavy equipment funding?

    Get the equipment you need today without a huge upfront investment. With construction and heavy equipment loans, the machinery itself often serves as collateral, making financing easier and more accessible.  Qualified buyers can even finance up to 100% of the equipment's value.  Start putting your new equipment to work and generating revenue while you repay the loan with interest.



  • Is it hard to get a heavy equipment loan?

    Securing a heavy equipment loan is often more accessible than traditional bank financing, making it a practical solution for businesses looking to invest in essential machinery. With a credit score of 550 or higher and a few years in business, your chances of approval are strong. The better your credit profile and business tenure, the more competitive your rates and terms will be. Even if your business is newly established, a strong credit score can open doors to financing opportunities, allowing you to acquire the equipment you need to drive growth and efficiency.

  • How does heavy equipment financing work?

    Founder Funding provides funding to purchase or lease heavy equipment, with repayment structured over a set term. In most cases, the equipment itself serves as collateral, making approval easier than traditional business loans. Some financing options may require additional collateral or a down payment.

  • Who qualifies for heavy equipment financing?

    Qualification depends on factors like your business’s time in operation, credit history, and revenue. Businesses with at least a 550 credit score and several years in operation typically have a strong chance of approval. However, newer businesses with strong credit may also qualify.

  • What types of equipment can be financed?

    ounder Funding can help finance a wide range of construction and heavy equipment, including:


    • Bulldozers
    • Excavators
    • Pavers
    • Cranes
    • Loaders
    • Dump trucks
    • Compacting equipment and more

  • How Long Can You Finance Heavy Equipment?

    At Founder Funding, we understand that heavy equipment is a major investment, and financing terms should align with your business’s needs. Repayment periods for heavy equipment financing typically range from one to five years, ensuring you’re not making payments on outdated or non-operational machinery. In some cases, lenders may extend terms up to 10 years, depending on the equipment’s lifespan, your credit profile, and financing structure.


    Longer terms can help lower monthly payments, improving cash flow, while shorter terms allow you to pay off the equipment faster and build equity sooner. With Founder Funding’s flexible financing solutions, you can secure the right equipment with terms that work for your business—keeping your projects on schedule and your finances in check.


    Explore your financing options today with Founder Funding and keep your business moving forward.

  • What credit score do I need for heavy equipment?

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*The information contained in this page is Founder Funding’s opinion based on Founder Funding’s research, methodology, evaluation, and other factors. The information provided is accurate at the time of the initial publishing of the page (November 28, 2022). While Founder Funding strives to maintain this information to ensure that it is up to date, this information may be different than what you see in other contexts, including when visiting the financial information, a different service provider, or a specific product’s site. All information provided in this page is presented to you without warranty. When evaluating offers, please review the financial institution’s terms and conditions, relevant policies, contractual agreements, and other applicable information. Please note that the ranges provided here are not pre-qualified offers and may be greater or less than the ranges provided based on information contained in your business financing application. Founder Funding may receive compensation from the financial institutions evaluated on this page in the event that you receive business financing through that financial institution.*