Construction Equipment Financing
Finance the iron that builds your jobs — excavators, loaders, dozers, cranes and attachments. $25,000 minimum, terms to 84 months, application-only to $250,000.
- ✓Excavators, loaders, dozers
- ✓Cranes, telehandlers, lifts
- ✓Application-only to $250K
- ✓Startup contractor program (700+ FICO)

Built for California Contractors and Beyond
From Bay Area site-work crews to Inland Empire grading contractors, Northwood understands how a single piece of equipment unlocks an entire bid pipeline. We move fast on dealer purchases, auction wins and private-party trades — and we keep our paperwork light so you can be on the job, not in the inbox.
What we Finance
- Excavators, loaders, dozers, scrapers, motor graders
- Cranes, telehandlers, boom and scissor lifts
- Dump trucks, water trucks, lowboy trailers
- Compaction, paving and concrete equipment
- Attachments, buckets, breakers and GPS systems
Programs
- Application-only to $250,000
- Full-doc transactions to $5M+
- Startup contractor program (under 2 years TIB, 700+ FICO required)
- Story-credit acceptance for past tax liens and BKs
Frequently asked questions
- What construction equipment can I finance?
- Excavators, wheel and skid-steer loaders, bulldozers, motor graders, articulated and rigid dump trucks, cranes, telehandlers, compactors, paving equipment and attachments. Both new and used equipment from any reputable dealer or private seller qualify.
- Do you finance used construction equipment?
- Yes. We finance used construction equipment up to 15 model years old, and frequently older for well-maintained Caterpillar, John Deere, Komatsu and Volvo machines.
- Can a new construction business get financing?
- Yes. Northwood has startup programs for licensed contractors with fewer than two years in business, including application-only deals up to $150,000 with a personal guarantee.
- What documents do I need?
- For application-only deals up to $250,000, just a one-page application and the equipment invoice. Larger transactions add business tax returns, bank statements and a current debt schedule.
Related Programs
Commercial Truck Financing
Class 8 sleepers, day cabs, box trucks, trailers. CDL & ITIN programs.
Learn moreAgricultural Equipment Financing
Tractors, harvesters, irrigation, farm vehicles.
Learn moreManufacturing Equipment Financing
CNC machines, press brakes, injection molders, robotic cells.
Learn moreWin the Bid. We'll Finance the Iron.
Speak with a Northwood funding specialist today. Most decisions in 24–48 hours.
- ✓ $25K–$5M available
- ✓ Funded in 2–5 business days
- ✓ All credit profiles considered
- ✓ No upfront fees, no prepayment penalties
Get My Equipment Options
Takes 60 seconds. Soft pull only.
1
2
3