Construction Equipment Financing
- ✓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
Payment Estimator
Estimate your Monthly Payment
See what your equipment financing could look like. No hard credit pull, no obligation — just a quick estimate to help you plan. Financing can also cover freight, installation, tax, and delivery.
$100,000
Estimated Monthly Payment
$1,955
per month for 72 months
Estimated payment based on program averages. Your actual payment and terms depend on credit profile, time in business, equipment type, and down payment. Your Northwood advisor will present your actual approval terms at no cost.
Explore my options →This calculator provides estimates only. Not an offer to lend. Actual terms subject to credit approval.
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.
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Learn moreWin 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