Excavator Financing

Site work contractors, grading crews, and utility operators who need excavator power. We connect you with equipment lenders who understand excavation, earthmoving, and construction equipment.

Initial application is intended for matching. If a lender needs a hard credit pull, you will be notified first.

What You Can Finance

Mini Excavators (1-6 Ton)

Compact excavators for residential site work, landscaping, utility installation, and tight-access jobs where a full-size machine cannot reach.

Mid-Size Excavators (6-20 Ton)

The workhorse class for commercial site work, utility construction, pond excavation, and general earthmoving operations.

Full-Size Excavators (20+ Ton)

Large excavators for major commercial construction, road work, demolition, and high-volume earthmoving projects.

Long Reach and Specialty Excavators

Long-reach excavators, demolition attachments, and specialty configurations for specific commercial applications.

Who This Is For

Site Work Contractors

Grading and excavation contractors who need reliable digging and earthmoving capacity for commercial and residential projects.

Utility Contractors

Underground utility installers who need excavation capability for water, sewer, and communications work.

Landscapers

Landscape contractors using mini and mid-size excavators for grading, pond installation, and earthscaping.

New Operators

Startup excavation businesses getting their first machine. Excavators are strong collateral for new business financing.

How Approval Works

1

Apply in under 2 minutes

Name, phone, credit range, and the unit you want. No hard pull at this stage.

2

Matched with the right lender

Commercial lenders who understand your equipment type and business situation.

3

Fast decision

Most approvals happen within minutes to a few hours. We move fast so you don't lose the unit.

4

Go get your equipment

Once approved, move on the unit before another buyer does. Quality commercial equipment moves fast.

Credit and Down Payment

All Credit Situations Considered

We work with buyers across the full credit spectrum. Down payment, income, and the equipment itself all factor into the decision alongside your credit score.

Down Payment Options

Programs vary by lender. Some options available with little to no money down. A larger down payment improves your rate and approval speed.

New Businesses Welcome

Startup operators and new LLCs accepted by multiple lenders in our network. Come with your situation and we will find the fit.

Browse Inventory

Find current inventory on Torque Hub and apply when you find the right unit.

Frequently Asked Questions

Can I finance a used excavator?

Yes. Quality used excavators are financeable. Lenders evaluate hours, condition, and brand alongside your credit.

What size excavators can be financed?

Compact mini excavators to full-size 30+ ton machines. Loan size and program availability scale with the machine.

How many hours is too many for excavator financing?

Condition matters more than hours alone. A well-maintained machine with higher hours can still be financed.

Can a new business finance an excavator?

Yes. Excavators are strong collateral. New businesses with a down payment are accepted by multiple lenders.

How fast is approval?

Most excavator financing approvals happen within hours. Equipment loans are well-understood by commercial lenders.

Ready to Put an Excavator to Work?

Get financing lined up before the right machine is gone. Takes less than 2 minutes.

Get Approved Now