How fast can I get approved in Texas?

Many applications receive a decision in 24–48 hours once we have the basic business info and the equipment quote.

Do you finance used construction equipment?

Yes. We finance new and used equipment, subject to age, hours and condition requirements.

What terms and structures are available?

Typical terms are 24–72 months with options like $1 buyout, FMV, seasonal and step payments.

Can startups qualify?

Yes. Experience, a down payment and a clear work pipeline or contract improve approvals.

Lease vs loan—which is better for taxes?

It depends on your goals. We can model both; consult your CPA about Section 179 and depreciation.

Construction Equipment Financing

Ready To Get Your Construction Business Moving Forward?

Construction companies across Austin rely on dependable machines to keep projects moving, crews productive, and deadlines on track. Our construction equipment financing programs are built specifically for Texas contractors who need flexible approval terms, predictable payments, and a partner that communicates quickly.

Whether you’re looking for excavator financing in Austin, upgrading to a newer skid steer, or expanding your fleet with additional heavy machinery, we provide long-term equipment financing tailored to your workflow and budget.

Many contractors also combine their financing with related services like paving equipment financing, utility equipment financing, or waste management equipment financing depending on the scope of their projects. Medical builders and tenant-finish crews can also reference our dental and medical equipment financing programs for imaging rooms and equipment-heavy interiors.

With approval updates within 1 business day, you always know where your request stands. From skid steer financing (Austin) to loaders, dozers, attachments, and full fleet upgrades, we help you secure the equipment you need without large upfront costs—so you can stay competitive, take on more work, and plan ahead with confidence.

Commonly Financed Construction Equipment

Related Financing Options

Looking for other types of equipment financing? We also provide:

Austin’s construction industry is growing fast, and we support contractors throughout Austin, Round Rock, Cedar Park, Leander, Georgetown, Hutto, Pflugerville, and the greater Central Texas area with fast, flexible construction equipment financing.

Whether you need excavators, loaders, skid steers, or heavy machinery, our long-term financing solutions help local builders keep projects moving with predictable monthly payments and quick approvals.

Have You Been Declined?

At Equipment Finance Specialists, we help business owners secure long-term financing when most banks or vendors say no.

Our nationwide lender network offers flexible options, making financing possible for even some credit-challenged files.

With a streamlined process and minimal paperwork, we deliver fast approval updates —often within 1 business day—so you can get the equipment you need without the delays of traditional banks.