Construction Equipment Financing
Finance the iron that builds your jobs — excavators, loaders, dozers, cranes and attachments. $25,000 minimum, terms to 84 months, application-only to $250,000.
- ✓Excavators, loaders, dozers
- ✓Cranes, telehandlers, lifts
- ✓Application-only to $250K
- ✓Startup contractor program (700+ FICO)
Built for California contractors and beyond
From Bay Area site-work crews to Inland Empire grading contractors, Northwood understands how a single piece of equipment unlocks an entire bid pipeline. We move fast on dealer purchases, auction wins and private-party trades — and we keep our paperwork light so you can be on the job, not in the inbox.
What we finance
- Excavators, loaders, dozers, scrapers, motor graders
- Cranes, telehandlers, boom and scissor lifts
- Dump trucks, water trucks, lowboy trailers
- Compaction, paving and concrete equipment
- Attachments, buckets, breakers and GPS systems
Programs
- Application-only to $250,000
- Full-doc transactions to $5M+
- Startup contractor program (under 2 years TIB, 700+ FICO required)
- Story-credit acceptance for past tax liens and BKs
Frequently asked questions
- What construction equipment can I finance?
- Excavators, wheel and skid-steer loaders, bulldozers, motor graders, articulated and rigid dump trucks, cranes, telehandlers, compactors, paving equipment and attachments. Both new and used equipment from any reputable dealer or private seller qualify.
- Do you finance used construction equipment?
- Yes. We finance used construction equipment up to 15 model years old, and frequently older for well-maintained Caterpillar, John Deere, Komatsu and Volvo machines.
- Can a new construction business get financing?
- Yes. Northwood has startup programs for licensed contractors with fewer than two years in business, including application-only deals up to $150,000 with a personal guarantee.
- What documents do I need?
- For application-only deals up to $250,000, just a one-page application and the equipment invoice. Larger transactions add business tax returns, bank statements and a current debt schedule.
Win the bid. We'll finance the iron.
Speak with a Northwood funding specialist today. Most decisions in 24–48 hours.
- ✓ $25K–$5M available
- ✓ Funded in 2–5 business days
- ✓ All credit profiles considered
- ✓ No upfront fees, no prepayment penalties
Get My Equipment Options
Takes 60 seconds. Soft pull only.
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