Finance the iron
that builds the job.
Excavators. Dozers. Cranes. Loaders. We finance heavy construction equipment with lenders who understand iron value, project-based revenue, and the realities of the construction business.
Heavy iron we
know and finance.
Excavators & Trackhoes
Cat 300/320/336, Komatsu PC series, Volvo EC, John Deere 300G. New and used.
Dozers & Graders
Track-type tractors and motor graders for earthmoving. Cat D5/D6/D8, Komatsu D51/D61, John Deere 700/850.
Cranes & Lifting
Mobile cranes, rough terrain cranes, tower cranes, telehandlers. Liebherr, Manitowoc Grove, Link-Belt, Terex.
Loaders & Skid Steers
Wheel loaders, skid steer, track loaders, and compaction. Cat, Komatsu, Case, Bobcat, Volvo, Dynapac.
Drill Rigs & Pile Drivers
Foundation drilling, directional boring, and piling equipment for site work and deep foundation.
Pavers & Compactors
Asphalt pavers, road rollers, compactors for roadway, parking, and site prep work.
Aerial Work Platforms
Boom lifts, scissor lifts, articulating platforms. JLG, Genie, Skyjack for elevated access.
Concrete Equipment
Concrete pumps, mixers, screeds, batch plants, and shotcrete equipment for structural and flatwork.
Articulated & Off-Highway Trucks
Articulated dump trucks, rigid haulers, and water trucks for earthmoving and site haul. Cat, Komatsu, Volvo, Bell.
Owner-operator to mid-size GC, we structure deals for both. Transactions from $30,000 to $5,000,000+. New, certified refurbished, and dealer-refurbished equipment all eligible.
A broker who knows
iron and job sites.
Iron holds value, and we use it
Heavy equipment from Cat, Komatsu, and Volvo holds value better than almost any other capital asset class. We work with lenders who value iron correctly. Your Cat 336 or Komatsu PC360 gets treated as the strong collateral it actually is.
Project-based cash flow understood
Construction businesses have seasonal variation and utilization patterns that generic lenders don't understand. iLease Capital matches your deal to lenders who underwrite construction, not lenders who flinch at the word "contractor."
Bonding capacity protected
For GCs who need clean balance sheets to qualify for public work and bid bonds, we structure operating leases that keep iron off the balance sheet, protecting bonding capacity while still putting equipment on the job.
Used and refurbished is our sweet spot
Most construction iron sits in the used market. We work with lenders comfortable financing pre-owned equipment and know how to evaluate hours, undercarriage condition, service history, and remaining useful life.
Speed when machines go down
A downed excavator is a stopped job. We can structure same-day decisions on emergency replacement equipment.
Soft pull, always
No impact to your credit score during evaluation. We run soft pulls only until you're ready to move forward.
Simple application.
Fast decision.
Apply online in about four minutes. Equipment type, approximate cost, basic business info. We run a soft pull, zero impact to your credit, and return pre-approval terms same day in most cases.
With 50+ lender relationships, we find the right fit for your deal. FMV lease, $1 buyout, term loan, or sale-leaseback on equipment you already own. We match the structure to your tax and cash-flow situation.
Terms up to 84 months. Decisions often within hours, not days.
Construction Financing,
Answered.
Can I finance used construction equipment?
Yes. Used heavy equipment from Cat, Komatsu, John Deere, and Volvo finances well. These are among the strongest residual-value assets in any equipment category. What matters more than the calendar year is hours, undercarriage condition, service records, and remaining useful life. We have placed deals on iron well past the typical decade mark when the documentation supports it. We route your deal to lenders most experienced with used iron.
How does construction equipment financing affect my bonding capacity?
Structure matters for bonding. A $1 buyout lease or Equipment Finance Agreement appears as both an asset and liability on your balance sheet. Surety underwriters see the debt but also the equipment value. An Operating or FMV lease can be structured off-balance-sheet, which can preserve your bonding capacity if you're near your aggregate limit. Talk to your surety before choosing a structure. We coordinate with your bonding agent when needed.
Can I finance equipment for a specific project or contract?
Yes. Project-based financing is common in construction. You finance equipment for the duration of a contract and return or purchase it at the end. FMV lease terms can be aligned to contract length, with early buyout options if the project extends or you win follow-on work. We've structured deals timed to DOT, municipal, and private commercial contracts.
What credit profile does a construction company need to qualify?
Most lenders prefer 2+ years in business with documented revenue: tax returns, bank statements, or a strong backlog of signed contracts. Newer companies can often qualify with a personal guarantee from the owner, a strong equipment collateral position, or a down payment. The stronger the iron, the more lenders lean on collateral over credit history. Honest conversations about your credit and cash flow upfront save everyone time.
Can I do a sale-leaseback on my existing construction fleet?
Yes. Sale-leaseback is one of the most effective capital tools for contractors with owned equipment. You sell the machines at 70 to 90% of appraised value, receive a lump sum, and continue using every piece of equipment on your jobs. The cash can fund new bids, cover a payroll gap, or finance a project deposit. We have lenders who specifically underwrite construction fleet sale-leasebacks and move quickly once we have an equipment list and appraisals.
Related
verticals.
Manufacturing Equipment
CNC, injection molding, laser, press brakes, and production lines. Deals packaged around the asset for lenders who care about collateral.
Explore →CNC Machining
VMCs, lathes, 5-axis, EDM, and boring mills. Lenders who understand spindle hours and machine tool residual values.
Explore →Industrial Equipment
Forklifts, cranes, generators, compressors, HVAC, and material handling. Fast structures for the gear that keeps a facility running.
Explore →Agricultural Equipment
Tractors, combines, sprayers, irrigation, and precision ag. Seasonal payment structures that match how a farm gets paid.
Explore →Let's look at your
equipment deal.
No pressure. No promises on rates. Just an honest look at what we can structure, and whether it fits what you're trying to accomplish.