Conventional Equipment Financing
Excavators, dozers, loaders, cranes, trucks, trailers. 100% financing, 2-7 years.
- Up to 100% financing
- 2-7 year terms
- 5-15% APR
- Section 179 deduction
WESTVALVE FINANCIAL • EQUIPMENT FINANCING FOR CONSTRUCTION
Equipment Financing for Construction Companies.
Excavators, cranes, dozers, trucks, trailers — 100% financing, 2-7 year terms, Section 179 tax benefits. SBA 504 for heavy iron. Fast approval for construction fleets.
No obligation to explore your options. Financing is subject to provider approval and program requirements.
WESTVALVE FINANCIALCONSTRUCTION EQUIPMENT
100% FINANCING AVAILABLE
Heavy iron. Smart financing.
Excavators, cranes, dozers, trucks, trailers — the asset secures the loan. Lower rates, tax benefits, matched terms.
CONSTRUCTION EQUIPMENT FINANCING
Heavy iron. Smart financing.
Excavators, cranes, dozers, loaders, trucks, trailers — the equipment itself secures the loan. Lower rates, tax benefits, terms matched to equipment life.
SBA 504 for Heavy Iron
Heavy equipment >$250K. 10% down, 25-year fixed, equipment as collateral.
- Up to $5.5M
- 10, 20, 25 yr fixed
- Fixed, below market
- 10% down (15% special use)
Fleet & Truck Financing
Dump trucks, mixer trucks, trailers, lowboys. Master lease for fleets.
- Up to 100% financing
- 2-5 year terms
- Used trucks up to 10 yrs old
- Master lease for fleets
Used Equipment Financing
Pre-owned excavators, dozers, cranes. Up to 15 years old for heavy iron.
- Up to 15 yrs old (heavy)
- Up to 10 yrs old (trucks)
- 85-100% financing
- Rates vary by provider and equipment type
TAX BENEFITS
Section 179 & Bonus Depreciation.
01
Section 179 Deduction
Deduct up to $1.22M (2024) of equipment cost in year one. Immediate expense vs. depreciation.
02
Bonus Depreciation
60% (2024) additional first-year deduction. Combined with 179 = 80-100% year-one deduction.
03
Preserve Cash Flow
Finance 100%, deduct 80-100% year one. Equipment pays for itself from tax savings.
04
Consult Your CPA
Tax laws change. Your CPA calculates exact benefit for your entity structure and income.
EQUIPMENT TYPES WE FINANCE
Heavy iron. Every category.
Excavators
Bulldozers
Wheel Loaders
Motor Graders
Cranes
Dump Trucks
Mixers
Lowboys/Trailers
Compactors
Scrapers
Backhoes
Skid Steers
SBA 504 vs CONVENTIONAL
Pick the right program for your iron.
| Feature | Conventional Equipment Financing | SBA 504 Equipment |
|---|---|---|
| Best For | $50K-$250K equipment | Heavy iron >$250K |
| Down Payment | 0-20% | 10% (15% special use) |
| Term | 2-7 years | 10, 20, 25 years |
| Rate | 5-15% APR | Fixed, below market |
| Collateral | Equipment only | Equipment + RE (if applicable) |
| Speed | 3-7 days | 60-90 days |
| Tax Benefits | Full 179 + Bonus | Full 179 + Bonus |
REQUIREMENTS
What you need to qualify.
Conventional Equipment Financing
- Credit: 600+ (alt), 660+ (bank)
- Time in business: 1+ year
- Revenue: $250K+ annually
- Down: 0-20%
SBA 504 Equipment
- Credit: 680+
- Time in business: 2+ years
- Profitable
- Down: 10% (15% special use)
Fleet/Used Equipment
- Credit: 600+
- Time in business: 2+ years
- Down: 10-20%
- Equipment age limits apply
Documents
- Equipment quote/invoice
- 3 yr business tax returns
- YTD P&L + Balance Sheet
- 3 months bank statements
GET STARTED
Let's finance your heavy iron.
Tell us what equipment you need — new, used, or fleet. We'll match you with the right program and provider.
FAQ
Questions about construction equipment financing.
Can construction companies get 100% equipment financing?
Yes. Many equipment financing programs offer 100% financing (no down payment) for construction equipment — the equipment itself serves as collateral. SBA 504 requires 10% down but offers 25-year fixed rates. Conventional equipment financing often requires 0-20% down depending on credit and equipment type.
What's the best way to finance heavy construction equipment?
For heavy iron (excavators, cranes, dozers > $250K): SBA 504 is often best — 10% down, 25-year fixed rate, equipment as collateral. For smaller equipment ($50K-$250K): conventional equipment financing offers 100% financing, 2-7 year terms, Section 179 deduction. We help you compare both.
Can I finance used construction equipment?
Yes. Most equipment financing programs finance used equipment — typically up to 10-15 years old for heavy iron, 7-10 years for trucks/trailers. Age and condition affect rate and term. We work with providers who specialize in used construction equipment financing.
What are the tax benefits of equipment financing?
Section 179 deduction: deduct up to $1.22M (2024) of equipment cost in year one. Bonus depreciation: 60% (2024) additional first-year deduction. Combined, you can often deduct 80-100% of equipment cost in year one. Consult your CPA for your specific situation.
What credit score do construction companies need for equipment financing?
Conventional equipment financing: 600+ (alt), 660+ (bank). SBA 504: 680+. Strong equipment collateral and industry experience can offset 620-659 scores. We've seen 620-640 approved with 20%+ down and 3+ years experience.
Can I finance a fleet of trucks and trailers?
Yes. Fleet financing programs finance multiple trucks/trailers under one master lease or loan. Typically 2-5 year terms, 85-100% financing. Used trucks: up to 10 years old. We work with providers who specialize in construction fleet financing.