Construction Equipment Financing Built Around the Job

New work, a breakdown or a tight mobilization date can create an equipment need fast. GFLS helps contractors and construction companies finance new and used construction equipment nationwide from $25,000 to $5,000,000, with decisions based on the full business picture, not just a credit score.

Start Your Application Schedule a Financing Call

Call 480-478-7413 or send a text.

Veteran-ownedFounded in 2009NationwideBBB AccreditedDirect lender

Construction Equipment Financing at a Glance

Financing range$25,000 to $5,000,000

EquipmentNew and used construction equipment

ApplicantsEstablished contractors, startups/newer businesses and credit-challenged businesses

Credit reviewComplete, organized applications can often receive a credit decision in 24-72 hours; timing varies

Lender modelDirect lender with access to additional funding relationships when a different structure is a better fit

Keep Working Capital Focused on the Project

A machine can be essential to winning or completing a job, but paying cash can pull money away from payroll, materials, fuel, subcontractors, insurance and the gap created by retainage. Construction equipment financing lets you spread the acquisition cost over time while putting the asset to work.

GFLS has financed essential-use equipment since 2009 and evaluates the business, the equipment, cash flow and why the acquisition matters. Qualified transactions may be eligible for up to 100% financing and certain approved soft costs. Actual terms depend on the applicant, equipment, and transaction structure.

Construction Equipment You Can Finance

GFLS can review a wide range of revenue-producing and essential-use heavy equipment, including:

Excavators

Mini, midi and full-size machines; new or used.

Skid Steers

Skid steers and compact track loaders for site work, grading and material handling.

Directional Drills

Horizontal directional drilling (HDD) systems and related equipment.

Cranes

Mobile and jobsite lifting equipment, subject to equipment and transaction review.

Loaders

Wheel loaders and related earthmoving equipment.

Dozers

Compact and full-size dozers for clearing, grading and site preparation.

Telehandlers

Rough-terrain material handling equipment for active jobsites.

Concrete Equipment

Pumps, mixers, screeds and other placing or finishing equipment, depending on the transaction.

Need a backhoe, grader, paver or another piece of essential-use construction equipment? Send the make, model, year and seller information and GFLS can review the transaction.

Start Your Application

When Construction Equipment Financing Makes Sense

You were awarded a project and need the machine before mobilization.
A high-repair or unreliable unit is creating downtime and schedule risk.
You want to add capacity, self-perform more work or reduce dependence on rentals.
You found a used machine through a dealer, auction or private seller and the purchase window is short.
Your revenue is project-based or seasonal, and you want to discuss a payment structure that fits how cash enters the business.

Why Contractors & Construction Companies Choose GFLS

Story-Based Underwriting

GFLS does not publish a minimum credit score. The team considers the overall business, cash flow, equipment, and circumstances behind the application.

Direct Decision-Making

GFLS can fund directly and can also draw on additional funding relationships when the deal calls for a different structure.

Construction-Aware Structures

Seasonal, step-up or deferred-start structures may be available when appropriate for the transaction and project timing.

New and Used Equipment

Finance the asset that fits the job and budget rather than being limited to new equipment only.

Qualified Soft Costs

Sales tax, delivery, and other approved project costs may be included on qualifying transactions.

Nationwide Experience Since 2009

GFLS works with small and mid-sized businesses across the U.S. and coordinates directly with equipment sellers and vendors.

Have an Equipment Quote?

Call or text 480-478-7413.

Start Your Application Schedule a Financing Call

What Helps Your Financing Decision Move Faster

Not every deal requires every item, but organized information reduces back-and-forth and can speed the credit review.

Vendor quote, purchase agreement or auction documentation.
Equipment year, make, model, serial number and hours when available.
Seller or dealer contact information.
Recent business bank statements.
Business financials and tax returns if requested for the transaction.
A short explanation of how the equipment supports a project, contract or operating need.

How Financing Works

Apply

Complete the equipment financing application and tell us what you are buying, from whom and why the equipment matters to the business.

Review the business and structure

GFLS evaluates the full story and determines which financing structure fits the asset, cash flow and credit profile. Organized applications can often receive a credit decision in 24-72 hours.

Documents, seller coordination and funding

After approval and final documentation, GFLS coordinates the transaction so the seller can be paid and the equipment can move toward the jobsite. Funding timing varies by deal.

Frequently Asked Questions

Can I finance used construction equipment?

Yes. GFLS finances new and used equipment. The equipment age, hours, condition, value and seller are considered as part of underwriting.

Can a construction startup or newer contractor qualify?

Yes, newer businesses can be considered. Approval is based on the full application, including cash flow, the equipment, ownership experience and the business plan or revenue opportunity.

What credit score do I need for construction equipment financing?

GFLS does not publish a minimum credit score requirement. Credit is one part of the review along with cash flow, time in business, existing obligations and the role of the equipment.

Do I need a large down payment?

Not necessarily. Qualified transactions may be eligible for up to 100% financing, but the first payment, deposit, advance amount and fees vary by credit and transaction.

Can sales tax, delivery or other costs be financed with the equipment?

Sometimes. Certain soft costs may be included on qualified transactions. Share the full quote so our team can confirm what is eligible.

How quickly can GFLS approve construction equipment financing?

When the requested information is complete and organized, we can often decide within 24-72 hours. Final documentation, seller requirements and the transaction itself affect funding timing.

Need the Equipment Before the Next Job Starts?

Tell us what you are buying, what it needs to do for the business and when you need it. We will talk through the structure, documentation and next step.

Prefer to call? 480-478-7413

All financing is subject to credit approval and final documentation. Rates, terms, advance amount, first payment or deposit, and funding timing vary by applicant and transaction. Tax treatment depends on individual circumstances; consult your tax adviser.