Excavators. Cranes. Bulldozers. Skid steers. Finance the equipment that drives your business — approved in as little as 4 hours, terms up to 60 months.
No obligation | Soft credit pull | Decision in 24 hours
Heavy equipment financing through Merchant Fund Express lets construction, excavation, and industrial businesses finance excavators, cranes, bulldozers, skid steers, and more from $25,000 to $2,000,000. Terms run 24–60 months. Approvals in 4–24 hours with just 3 months of bank statements. Credit scores from 550 accepted. The equipment serves as collateral, making it easier to qualify than unsecured loans. Section 179 deduction may apply. Call (305) 384-8391 or apply online to get a quote today.
Heavy equipment financing is a secured loan or lease that lets businesses acquire excavators, cranes, bulldozers, skid steers, forklifts, and other capital-intensive machinery by spreading the cost over monthly payments. The equipment itself acts as collateral, which means lower rates and easier approval compared to unsecured business loans.
Unlike working capital loans (which are based on cash flow), equipment financing is asset-backed. This benefits buyers in two key ways: you can qualify with lower credit scores, and the lender bears less risk, which translates to better terms for you.
Merchant Fund Express works with construction companies, excavation contractors, landscapers, manufacturers, and logistics businesses to get equipment funded fast — often the same business day for amounts under $150,000.
Estimated monthly payments based on typical financing rates
*Estimates based on representative rates. Actual payments depend on creditworthiness, term, and equipment type.
One of the biggest advantages of financing heavy equipment is the Section 179 deduction. Under IRS Section 179, businesses can deduct the full purchase price of qualifying equipment in the year it was placed in service — even if it was financed.
For 2024, the Section 179 deduction limit is $1,160,000 with a phase-out threshold of $2,890,000. This means a construction company that finances a $200,000 excavator could deduct the full $200,000 in Year 1 rather than depreciating it over 5–7 years.
| Equipment Cost | $200,000 |
| Section 179 Deduction | -$200,000 |
| Tax Savings (28% bracket) | $56,000 |
| Net Equipment Cost After Tax | $144,000 |
| Monthly Payment (60mo) | ~$4,100/mo |
*Illustrative only. Consult your tax advisor.
| Feature | MFE Equipment Financing | Bank Loan | Equipment Lease | MCA |
|---|---|---|---|---|
| Funding Speed | 4–24 hours | 2–8 weeks | 3–7 days | Same day |
| Amount Range | $25K–$2M | $50K–$5M | $10K–$1M | $5K–$500K |
| Terms | 24–60 months | 24–84 months | 12–60 months | 3–18 months |
| Credit Score Min | 550 | 680+ | 600+ | 500+ |
| Ownership | You own it | You own it | Lessor owns | N/A |
| Section 179 Eligible | Partial | |||
| Down Payment | 10–20% | 15–25% | 0–10% | None |
| Documentation | Minimal | Extensive | Moderate | Minimal |
Takes 5 minutes. Soft credit pull only.
Merchant Fund Express finances excavators, cranes, bulldozers, skid steers, forklifts, backhoes, dump trucks, compactors, aerial work platforms, and most construction/industrial equipment from $25K to $2M.
We work with credit scores as low as 550. Revenue and cash flow matter more than credit score. Businesses with $15K+/month in revenue often qualify even with challenged credit.
Most approvals come back within 4–24 hours. Same-day approval is available for amounts under $150K with 3 months of bank statements.
Yes. We finance both new and used heavy equipment. Used equipment must typically be under 15 years old and in working condition. An appraisal may be required for units over $250K.
Down payments are typically 10–20% for conventional equipment financing. Some revenue-based options require no down payment but have higher factor rates.
Yes. Equipment financing is secured by the equipment itself, which means lower rates and easier approval than unsecured business loans. The equipment acts as collateral, reducing lender risk.
Get approved in 24 hours. $25,000 to $2,000,000 available. Terms up to 60 months.
Apply in 5 Minutes (305) 384-8391No obligation • Soft credit pull • BBB Accredited Lender
Expertise: Our team includes certified funding specialists with years of experience helping businesses access capital.
Trust & Transparency: We're committed to transparent lending practices with no hidden fees or surprise terms.
Fast Approvals: Our streamlined process provides decisions within 24 hours in most cases.
Flexible Solutions: We work with you to customize funding solutions that match your specific business needs and cash flow.