Industries We Serve
Construction equipment financing
Excavators, loaders, dozers and dump trucks — financed around progress draws, holdbacks and the season, not against them.
Excavators, loaders, dozers and dump trucks — financed around progress draws, holdbacks and the season, not against them.
Canadian construction companies typically finance equipment with 0%–10% down on approved credit and terms of 36–72 months. Lenders who know the sector value machines on hours as much as age, and structure payments around progress-draw revenue — the key is a file that shows your contracts, not just your credit.
*Many approvals land within 24–48 hours; some take longer depending on the lender, the complexity of the application, and any additional documents required. All financing is subject to credit approval.
Construction cash flow doesn't look like retail. Revenue arrives as progress draws, a holdback sits with the owner until substantial completion, and the season decides how many working months a machine actually gets. A lender who reads your bank statements like a shop's will misjudge the file. We place construction files with lenders who underwrite the sector — who expect lumpy deposits, understand certified-but-unpaid work, and value an excavator on its hours and undercarriage rather than its model year alone.
That's the difference between an approval structured around your world and a decline that was really a misunderstanding.
Awarded tenders or signed contracts do more for an approval than anything else — they turn "another machine" into a funded revenue stream. Beyond that: your Articles of Incorporation or business registration, recent business bank statements, the machine's invoice or bill of sale with hours noted, and proof of insurance. Disclose credit bumps early so the file goes to the right lender first, not third.
Most construction deals land between 0% and 10% down on approved credit, depending on credit, time in business and the machine.
Yes — we match files to lenders who understand draw-and-holdback revenue, and factoring or term structures can bridge certified-but-unpaid work.
Yes, subject to approval, with clean paperwork — bill of sale, lien search and inspection. Machines are often valued on hours rather than age alone.
Many approvals come back within 24–48 hours once the file is complete; some take longer depending on the lender and documents required.
Book a free consultation or apply online — many approvals within 24–48 hours.