Heavy Equipment Financing and Leasing

Find financing, funding, lending, and leasing solutions to help you acquire the construction, logging, mining, or farm equipment your company needs.

Skid Steer Loader

Are you shopping for a financing or leasing company to start or accelerate your business? Take a look at our guides and review our list of companies specializing in heavy equipment to determine the best lender, with the right rate and options, to meet your requirements and budget.


Financing vs Leasing

Financing means that you get to keep the machinery by the end of a contract, and it’s a great way to get ahold of expensive equipment without having to pay the high costs upfront. The right financing agreement lets you pay as you earn using the heavy equipment.

Leasing means you are essentially renting the machinery for a specified time, with fixed terms and conditions, and is a good option when only a small amount of machinery is needed for a short period of time. It is more popular due to rising machinery prices and costly upgrades. Seasonal workers (crop farmers, for instance) often use short-term leases to obtain the farm equipment when they need it the most and then quickly pay the lease off during their busy months, saving much more in the process than if they were to buy the equipment outright. They also don’t have to worry about storage or maintenance for the rest of the year.


Why Choose a Heavy Equipment Financing Company?

There’s a lot of ways to get a loan, but companies focusing on heavy equipment financing tend to be the fastest and most reliable option. Banks have many procedures to go through and can take forever verifying your worth before offering a loan, and they tend to be much less negotiable if you cannot make a payment. Heavy equipment financing companies, on the other hand, understand the nature of the business a little better and can be much more generous when it comes to extending times and forgiving debts if need be.


The Three Ways to Finance Heavy Equipment

Heavy equipment financing can be done in three different ways:

  • Installment Agreement
  • Leasing
  • Line of Credit

To learn more about these different types of financing and other factors to consider, read our guide to heavy equipment financing.


Types of Heavy Equipment Leases

There are four main types of leases to choose from, each with their own distinct advantages:

  • Fair Market Value
  • $1 Buyout
  • Wrap Lease
  • Sale Leaseback

To learn more about the types of heavy equipment leases and which one may be the best for you, along with advantages and important considerations when leasing, read our ultimate guide.

Companies Providing Financing and Leasing

Find the best financing or leasing lender to partner with you.

 

Currency Capital

Through Express Finance, by Currency Capital, buyers are able to connect with an expansive network of lenders who provide funds at competitive rates. It simplifies and expedites financing for both asset and working capital to help buyers invest—whether that’s in equipment, or in growing their operations for the long haul.

Why choose Express?
  • Fast and easy - Express is the fastest, simplest, and most reliable way to access machinery financing & working capital. Express Finance delivers funds to most borrowers in under three days!
  • Accessible - Express is available through any internet enabled device and is as easy to use from a mobile phone as it is from a PC. The Express Finance team is also just a phone call away at (844) 292-2279.
  • Competitive - Express Finance collects the information needed (and only the information needed) in a simple, streamlined format, then quickly compares the borrower’s credit profile to over 40 different credit boxes to find the best machinery financing or working capital deal.
  • Reliable - Express is a trusted finance partner of My Little Salesman, and has financed over $700 million for businesses across the United States.
  • Streamline sales - Express Finance helps sellers eliminate financing as an obstacle to the sale. The platform’s easy access and user-friendly technology are backed by a service team that works quickly to get buyers financed.
  • Increase profits - Simple, competitive working capital leads to faster and more successful transactions.

Free Guide to Financing

Do you still have questions about what to look for in a finance company or what a finance contract might look like?

Have questions about collateral, tax deductions, or how your credit will affect you?

If so, then make sure to check out our free guide to heavy equipment financing.

Heavy Equipment Financing Guide

Free Guide to Leasing

Need some seasonal farm equipment but aren't sure which type of lease is the right fit?

Are you in an industry where the technology of the equipment is rapidly advancing?

Get your questions answered. Determine if heavy equipment leasing is a good fit for you with our free guide to heavy equipment leasing.

Heavy Equipment Leasing Guide