Construction Equipment Financing
The strategic financing partner for contractors who can't afford to wait on a bank.
In construction, the window between winning a contract and needing equipment on-site is short. Banks move slowly, require mountains of documentation, and often won’t provide financing in the time you need it. United Leasing & Finance is built differently. We’re a strategic financing partner for revenue-producing equipment — and we’ve been financing construction businesses for 60+ years. We structure deals around how your equipment performs across your project cycles, not how a bank’s underwriting checklist works.
Heavy Equipment Financing for Construction Companies
We finance the revenue-producing equipment your jobs depend on — from site prep through final walkthrough — so you can take on the next contract without depleting working capital.
Heavy Machinery
Bulldozers & Graders
Paving & Compaction Equipment
Cranes & Hoists
Work Trucks
Dump Trucks
Service & Mechanical Trucks
Concrete Mixers
Site Support
Trenchers & Boring Equipment
Surveying & GPS Technology
On-site Trailers & Containers
Why Construction Contractors Choose ULF for Equipment Financing
Experience
With 60 years of industry experience, we are a stable business partner equipped with the knowledge and expertise to navigate complex financial landscapes.
Personalized Service
A dedicated financing rep who knows your account. Pick up the phone and reach someone who can move — no hold queues, no getting passed around.
Flexible Deal Structures
Seasonal payments, balloon structures, sale-leasebacks, and refinancing on equipment you already own — built around your business model, not a bank template.
Structured Around your Project Cycle
We structure payments around how your jobs actually work, including seasonal schedules, step-up structures, and project-aligned terms.
100% Equipment Financing
We can finance the full cost of your equipment, with no large down payment required. That preserves working capital for payroll, materials, and the next bid.
Speed that Protects Your Contract
Approvals in days, not weeks. When you win a bid and need equipment on-site, a financing decision shouldn't cost you the job.
Construction Equipment Financing FAQs
Decisions typically come in days. When you need equipment on-site to start a job, financing delays can cost you the contract. We move quickly — and you'll have a dedicated rep who knows your account throughout the process.
We finance heavy machinery (bulldozers, cranes, graders, paving and compaction equipment), work trucks (dump trucks, concrete mixers, service trucks), and site support equipment (trenchers, boring machines, surveying technology, on-site trailers). If it's revenue-producing equipment your business depends on, we can likely finance it.
We offer equipment finance agreements, leasing options, credit facilities, and refinancing for equipment you currently have with other lenders. We can also discuss sale-leaseback structures if you need to free up capital on equipment you already own.
Yes. ULF finances revenue-producing equipment across a wide range of industries including equipment rental, ground transportation, fitness, manufacturing, mining, and more. We can also finance your customers if you're a dealer or vendor that sells equipment to businesses.
Your business must have been operating for at least two years with a minimum credit score of 675. You'll need recent personal and business tax returns, personal financial statements, and business bank statements.