Construction Equipment Financing
Heavy equipment financing for Canadian contractors. Excavators, loaders, skid steers, dozers—we connect you with lenders who understand construction and the equipment that drives it.
We work with lenders who specialize in construction. They understand seasonal workflows, project-based revenue, and the capital intensity of the industry.
Keep your working capital for materials, payroll, and job costs. Finance the equipment and pay from the revenue it generates.
Your file goes to an established Canadian finance partner with a lender panel running from prime institutional capital through to specialty.
From compact equipment to heavy iron—financing for the machines that move dirt and build projects.
We finance equipment from all major manufacturers—whether you're buying from a dealer, auction, or private sale. Our lenders evaluate the equipment, your business, and structure deals that work.
From application to funding—here's how we get iron on your job site.
Complete our short application. Tell us about your business, the equipment you need, and your timeline.
We review your profile and match you with lenders suited to your situation—from prime to specialty credit.
Receive financing options once lenders come back, usually within a couple of business days. Compare rates, terms, and structures.
Accept your terms, complete documentation, and take delivery of your equipment.
Common questions from contractors and construction business owners.
Construction equipment financing allows you to acquire heavy equipment without paying the full purchase price upfront. Instead:
This preserves your working capital for job costs while letting you put the equipment to work immediately.
Yes. Both new and used equipment can be financed. For used heavy equipment:
Used equipment often makes sense—lower cost, proven reliability, and immediate availability.
Credit matters, but so does the equipment, your time in business, and your cash flow. Because equipment financing is secured by the equipment itself, lenders are often more flexible than with an unsecured business loan. We look at the whole picture rather than screening on one number.
For larger equipment purchases, lenders focus heavily on business revenue, existing contracts, and cash flow.
Most files get an initial response within a couple of business days. Funding depends on the lender and how quickly documentation comes together.
Yes. We can help finance equipment from various sources:
For auction and private sale purchases, lenders typically require inspection reports and clear title documentation.
No. Canada Equipment Finance is a finance broker, not a lender. We don't provide financing directly or make credit decisions.
Our role is to connect you with appropriate lenders from our network of Canadian equipment finance companies. This broker model benefits you because we can access multiple lenders and find options that fit your specific situation.
Check your options in minutes. No commitment, no obligation.
