Construction Equipment Finance: Get the Right Equipment Without the Upfront Cost
Construction projects need reliable equipment. But buying outright is expensive. That’s where construction equipment financing helps. Instead of paying a huge sum upfront, spread the cost over time. This keeps your cash flow healthy while ensuring you have the tools to get the job done.
How Construction Equipment Financing Works
Construction Financing lets you buy or lease machinery with structured payments. Here’s how it usually works:
- Choose the equipment you need.
- Apply for financing through a lender or broker, like our team here at First Oak Capital.
- Get approved based on your credit, business history, and equipment type.
- Receive the funds or lease agreement.
- Make regular payments while using the equipment.
It’s that simple! Many lenders offer flexible terms, so you can find an option that suits your budget.

What Can You Finance?
Most construction-related machinery is eligible for financing, including:
- Excavators & bulldozers
- Cranes & loaders
- Cement mixers & pavers
- Trucks & trailers
- Drills & compactors
Need something specific? There are plenty of machines that our team here at First Oak Capital can you help you finance.
Benefits of Construction Equipment Financing
Why choose financing over buying? Here are a few reasons:
✔️ Preserve cash flow – Keep funds for wages, materials, and other costs.
✔️ Upgrade easily – Avoid outdated equipment. Financing makes it easier to upgrade.
✔️ Tax benefits – Some financing options offer tax advantages. Always check with an accountant.
✔️ Flexible terms – Choose from various repayment plans.
✔️ Fast approvals – Many lenders approve financing within days.
How to Qualify
Lenders look at several factors, including:
- Business credit score
- Time in business
- Revenue and cash flow
- Equipment type and cost
Even startups can qualify! Here at First Oak Capital we work with a unique set of lenders who can offer financing even if you have little trading history.

Ready to Finance Big Equipment for a Big Job?
If you have a large project ahead and need heavy equipment, we’re here to help. Our personable team will guide you through the financing process with expert advice and dedicated support. Whether you need excavators, cranes, or cement mixers, we’ll find the right solution for your business.
Call us today or complete the form on our website to get a quote.
Q: What is construction equipment financing?
A: Construction equipment financing allows businesses to purchase or lease machinery while making structured payments over time, helping to manage cash flow effectively.
Q: What types of equipment can be financed?
A: Most construction-related machinery, including excavators, bulldozers, cranes, cement mixers, and trucks, can be financed. If you have a specific need please reach out because there’s a high chance we can help you finance the exact equipment your business needs.
Q: Do I need a great credit score to qualify?
A: While a strong credit score helps, some lenders offer financing to businesses with limited credit history, especially if they have steady revenue.
Q: How long does the approval process take?
A: Many lenders approve financing within a few days, depending on your application and business details.
Q: Can startups qualify for equipment financing?
A: Yes! Some lenders work with startups, but requirements may vary based on business history and financials.