Construction equipment financing for contractors who need iron on the site.
Excavators, cranes, heavy equipment, fleet vehicles. We structure asset-based loans and leases that get the right equipment to your job site — without draining the working capital you need to run the project.
Apply to Caliber Intake takes under 5 minutes — no pitch deck requiredWhat is construction equipment financing
The right equipment at the right time wins contracts. The wrong structure drains the business.
Every contractor knows the math. You need an excavator to bid on the next municipal contract. A crane to handle the structural work on a commercial build. A second dump truck to stop renting by the day. The equipment is out there. The jobs are waiting. The only question is how you structure the acquisition without tying up the cash you need to actually execute the project.
Construction equipment financing is asset-based lending — the machine itself serves as collateral, which means lenders face less risk and you get better terms than unsecured business loans. A new excavator can run $100,000 to $500,000 depending on size and spec. A crane can hit $1 million or more. Nobody writes that check out of operating cash. Equipment financing spreads that cost over the productive life of the machine — typically 24 to 84 months — so the asset is generating revenue while you're paying it off.
The difference between a good equipment financing structure and a bad one is often tens of thousands of dollars. The wrong lender puts a blanket lien on all your assets. The wrong structure drains cash flow with oversized monthly payments. The wrong term leaves you paying on a machine that's outlived its usefulness. At Sovyrn, I work with a panel of equipment lenders who specialize in construction — and I structure the deal to fit your cash flow, your project pipeline, and your balance sheet, not just to close the transaction.
We structure financing for new and used construction equipment across all major categories — purchased from dealers, private sellers, or auctions. If it's used in commercial construction, we can finance it.
Equipment we finance
From earthmoving to fleet — new and used.
We work with lenders who understand construction equipment values, useful life cycles, and resale markets — which means better terms and faster approvals for contractors.
Mini excavators to 35-ton machines. New or used, dealer or private sale. Terms matched to useful life — typically 48 to 84 months for larger units.
Mobile cranes, tower cranes, boom lifts, scissor lifts, and telehandlers. High-value assets with strong residual values that lenders understand well.
Dozers, motor graders, scrapers, and compactors. Essential earthmoving iron that holds its value and qualifies for favorable loan-to-value ratios.
Single units or full fleet packages. We structure fleet financing that keeps payments predictable and preserves your line of credit for operations.
Concrete pumps, mixers, pavers, and finishing equipment. Specialized machinery for contractors who need control over their pour schedules.
Skid steers, compact track loaders, wheel loaders, and backhoes. Versatile machines that qualify for application-only financing up to $250K in many cases.
Loan vs. lease
Two structures. Different situations. We'll tell you which one fits.
Most advisors push whatever product their lender pays them most to sell. We start with your situation and work backwards to the right structure.
The process
How we structure equipment financing.
Equipment financing moves fast when it's structured right. We handle the lender matching so you can focus on the job.
Five minutes covering the equipment you need, your intended use, and your business profile. No pitch deck, no lengthy application. For smaller equipment under $250K, many lenders offer application-only approval — no financial statements required.
We evaluate the equipment type, your credit profile, your project pipeline, and your cash flow position. We determine whether a loan or lease serves you better, and which lenders in our panel are the right fit for your specific situation.
Not every lender understands construction equipment values, seasonal cash flow, or how pay-when-paid clauses affect your financials. We work with lenders who do. That means better terms, faster approvals, and no blanket liens on assets you didn't offer as collateral.
Equipment financing typically funds in 3-10 business days once approved. Application-only loans can fund in 24-48 hours. You get the machine, you get to work, and the equipment pays for itself through the revenue it generates.
Why Sovyrn
I've made equipment decisions with real money on the line.
When I ran a construction company, equipment decisions weren't abstract. Whether to buy or lease a piece of iron, what term made sense against a specific project's cash flow, when to finance versus when to rent — these were real decisions with real consequences for the business. I made them with my own money at risk. That experience is in the room on every call.
Most equipment financing advisors know their lender's product sheet. I know construction. I know that a blanket lien from a bank can kill your bonding capacity. I know that the right lease structure can keep a piece of equipment off your balance sheet in ways that actually matter when your surety is reviewing your financials. I know that timing matters — that getting the machine to the site two weeks late can cost you more than the loan.
My job isn't to close a transaction. It's to structure something that actually works for your business. That means matching you with lenders who understand construction, structuring terms that align with your cash flow, and making sure you're not paying for flexibility you don't need or giving up protections you do.
If a loan is right, I'll tell you. If a lease is right, I'll tell you. If neither is the right move right now, I'll tell you that too. The measure of a good advisor isn't how many deals they close — it's how many of those deals actually served the client.
FAQ
Common questions about construction equipment financing.
Need equipment. Have a plan. Let's fund it.
Apply through Caliber and we'll structure your equipment financing in days, not weeks.
Apply to Caliber Intake takes under 5 minutes — no pitch deck required