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.


Ridge Commercial Capital

Fast and easy financing for all types of equipment including yellow iron, trucks, trailers, forestry, coaches, and more.

  • Application only up program up to $300K
  • Rates as low as 6%
  • $0 down payment options available
  • No age restrictions
  • First time buyer programs available
  • Loans and leases

Apply in Minutes. Complete an online application or we can assist you over the phone. Same Day Approvals available so you can put your equipment to work and start generating income!

Call us to get started today! 509-888-1913

Iron Funding

At Iron Funding, we do not provide you with a one-shoe-fits-all kind of a solution. We listen to your requirements, evaluate the options, and provide you with the best financing plan for your needs.

We finance all types of construction & agriculture equipment:
  • Cranes
  • Compactors
  • Crawlers
  • Dozers
  • Dump Trucks
  • Excavators
  • Drilling Equipment
  • Lifts
  • Tractors
  • Harvesters
  • All kinds of Agriculture and other Equipment
Call Chad Nardo 9am-9pm EST, including weekends: 1-844-607-IRON (4766).
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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