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Construction Equipment Financing That Keeps Jobs Moving

Construction projects run on tight schedules, and equipment delays can cost you the job. Thirty3 Capital provides construction equipment financing built for contractors, fleet managers, and business owners who need to move fast without wading through bank paperwork.

We work with dealers and construction companies alike across the country to finance excavators, loaders, dozers, trailers, and the rest of the fleet that keeps a jobsite productive. A one-page application gets the process started, and most clients receive a decision the same day.*

One-page application. Fast approval. Affordable monthly payments built around your project schedule.

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Why Contractors Choose Thirty3 Capital

Traditional banks weren't built for the pace of construction. Between long approval timelines, rigid loan structures, and paperwork that never seems to end, bank financing delays could cost you that equipment—and then you'll have to go shopping again.

Thirty3 Capital was built to solve that problem. As a direct and indirect lender, we offer construction equipment financing companies rely on when speed and flexibility matter as much as competitive rates.

Here's what that looks like in practice:

  • Fast decisions. Most applications receive a same-day to 24-hour decision.*
  • One-page application for financing up to $600,000.
  • New and used equipment eligible, including private-party purchases.
  • Flexible terms that match your revenue cycle, not a generic repayment schedule.
  • A dedicated finance specialist who understands construction equipment, not just loan paperwork.
  • Transparent terms with no hidden fees or confusing language.
  • English and Spanish support available.

*All financing subject to approved credit (OAC).

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Built for Established Construction Businesses

Thirty3 Capital works with contractors, fleet managers, and construction business owners who have at least two years in operation and a clear plan for the equipment they're financing. If that sounds like your business, here's what to have ready before you apply:

  • Minimum 2 years in business
  • 620+ FICO score
  • Immediate financing need
  • Commercial equipment purchases only
  • Private sale options available
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Financing and Leasing Options for Construction Equipment

Every contractor's situation is different, so we offer more than one financing structure for getting equipment on the jobsite. Below are the most common leasing options and loan structures our clients use.

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FMV Lease: Use It Now, Decide Later

An FMV (Fair Market Value) lease lets you put equipment to work with lower monthly payments, then decide at the end of the term whether to purchase it, renew, or return it. This structure is popular with contractors who want flexibility as project needs shift or who expect to upgrade equipment in a few years.

Construction Equipment Leasing: Lower Upfront Costs

Construction equipment leasing is often the right call when preserving cash flow matters more than long-term ownership. Leasing typically requires a smaller down payment than a loan, which helps protect working capital and keeps liquidity available for payroll, materials, and other job costs. It's a practical option for contractors managing multiple jobs or seasonal workloads.

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Equipment Finance Agreement: Own It From Day One

If ownership is the goal, an Equipment Finance Agreement (EFA) gives you title to the equipment while you make fixed, predictable payments. This is one of the most common construction equipment loans we structure, and it works well for contractors who plan to keep equipment long term and want to build equity in the asset.

Simple Interest Loan: Pay Ahead, Save Money

A Simple Interest Loan calculates interest only on the outstanding balance. Pay ahead of schedule and you reduce the interest you owe, with no prepayment penalties. It's a straightforward heavy equipment loan option for contractors who want predictable payments with the flexibility to pay down debt faster when cash flow allows.

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Not sure which financing structure fits your business? Talk with a finance specialist and we'll evaluate your options with you.

Keep Your Project Moving

Equipment delays cost money every day a job sits idle. Talk with a finance specialist today and find out how straightforward construction equipment financing can be.

Call (866) 410-9769 or fill out the form below to get started.

*All financing subject to approved credit (OAC).

What Goes Into an Equipment Purchase

Financing an equipment purchase involves more than the sticker price. When you evaluate a loan amount, it helps to understand the full picture:

  • Down payment. The amount you pay upfront, which affects your loan amount and monthly payments.
  • Monthly payments. Structured to fit your monthly budget and cash flow, not a one-size-fits-all schedule.
  • Soft costs. Delivery, installation, and other costs tied to getting equipment up and running can often be included in your financing.
  • Loan amount. Based on the equipment's value, your down payment, and any additional costs rolled into the deal.

Your finance specialist will walk through these numbers with you so there are no surprises once you sign.

Why Financing Construction Equipment Makes Sense

Buying equipment outright ties up cash that could support payroll, materials, or the next job. Financing construction equipment lets you acquire what you need while keeping funds available for the rest of your business.

Common advantages contractors see with equipment financing include:

  • Preserving working capital and cash flow for day-to-day operations
  • Access to new and used machinery without a large upfront cash outlay
  • Predictable monthly payments that support long-term budget planning
  • The ability to grow a fleet as job volume and business demand increase
  • Building equity in equipment you plan to keep long term

Whether you're financing one machine or growing an entire fleet, the right financing structure helps move your business forward without straining liquidity.

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How Construction Equipment Financing Works

1. Submit a one-page application. Tell us about your business and the equipment you're purchasing.

2. Get a fast decision. Most clients hear back the same day, often within a few hours.*

3. Review your terms. Your finance specialist will walk you through your options in plain language, no jargon.

4. Get to work. Once approved, funding moves quickly so your equipment purchase doesn't stall.

*All financing subject to approved credit (OAC).

Frequently Asked Questions

Rates depend on factors like time in business, credit profile, equipment type, and whether the equipment is new or used. Because we work as both a direct and indirect lender, we're often able to offer competitive rates and terms that a single bank can't match. Your finance specialist will give you a clear picture of your rate and terms before you commit to anything.

We look at the full picture of your business, not just a credit score. While a 620+ FICO score is generally required, factors like time in business and cash flow also play a role in approval decisions. All financing is subject to approved credit (OAC).

Yes. We finance construction equipment purchased through dealers, auctions, and qualifying private-party transactions, which gives contractors more flexibility in where they source equipment.

In many cases, yes. Depending on the financing structure and your credit profile, we can structure terms that reduce the upfront cash needed to acquire equipment, which helps protect working capital.

Most applicants receive a decision the same day, and funding typically follows quickly after approval. All financing is subject to approved credit (OAC).

No. Pre-qualification starts with a soft credit pull, which does not impact your credit score. A full application may involve a hard credit inquiry later in the process.