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, Dallas, all over Texas, & the entire U.S., 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, 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.

With approval updates within 1 business day, you always know where your request stands. From skid steer financing 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

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

Have You Been Declined Elsewhere?

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.