Atlantic Equipment Finance

Industry

Construction Equipment Financing

Win bigger contracts and keep your crews working. Atlantic Equipment Finance gives construction companies access to the heavy equipment they need — without draining their working capital.

Equipment We Finance

From compact skid steers to full-size cranes, we finance the heavy equipment that keeps your jobs moving. New and used equipment both qualify.

  • Excavators & backhoe loaders
  • Bulldozers & motor graders
  • Skid steers & compact track loaders
  • Cranes & lift equipment
  • Concrete equipment (mixers, pumps, pavers)
  • Dump trucks & articulated haulers
  • Forklifts & telehandlers
  • Trenchers & directional drills
  • Scaffolding & shoring systems
  • Trailers & lowboys

Bid on Bigger Jobs

Financing the right equipment means you can compete for larger contracts. Stop turning down jobs because you don't have the machinery — we help you get it.

Preserve Working Capital

Loans and leases let you acquire equipment while keeping cash on hand for labor, materials, and operations. 100% funding available on lease programs.

Fast Approvals

Construction schedules don't wait. App-only approvals up to $200K mean you can move fast when an equipment opportunity comes up.

Financing Programs Available

We structure loans and leases around the way your construction business actually operates.

Commercial Loans

  • Up to $10M
  • Up to $200K app-only
  • Principal-only payoff available
  • Corp-only structures

Commercial Leases

  • Up to $10M
  • 100% funding available
  • FMV and $1 buyout options
  • TRAC lease structures

Startup Programs

  • Up to $250K
  • Up to $50K app-only
  • 0–2 years in business
  • Flexible terms

Frequently Asked Questions

Can I finance used construction equipment?

Yes. We finance both new and used construction equipment. There are no blanket restrictions on equipment age — we evaluate each transaction on its own merits and work with our lender network to find the right fit.

How fast can I get approved for construction equipment financing?

For transactions up to $200K, approval can happen within 24–48 hours through our app-only process. Larger transactions requiring additional documentation typically take a few business days.

Can a new construction company qualify for equipment financing?

Yes. Our Startup Programs are designed for businesses with 0–2 years of operating history and go up to $250K, with app-only options up to $50K. We also have programs for more established contractors.

Ready to Finance Your Next Machine?

Apply online or call us — we'll find the right program for your construction business.