Equipment & work-truck financing for General Contractors
Most general contractors starting out finance their truck and equipment rather than pay cash — it keeps working capital free for materials and payroll while you land your first jobs. Typical terms run 2–6 years; lenders look at time in business, credit, and the equipment itself as collateral.
Where to apply
Smarter Finance USA
Equipment & work-truck loans — works with brand-new businesses and finances used gear.
Apply →Lendio
Compare offers from 75+ lenders in one application. Choose a fixed-interest equipment loan, not a daily-debit cash advance.
Apply →ClickLease
Small equipment leases ($500–$25k) with instant approval — good for your first tools.
Apply →SBA Microloan
Government-backed loans up to $50k at the lowest rates, through local nonprofit lenders.
Apply →How to avoid a bad deal
A fair equipment loan has a fixed interest rate and predictable monthly payments. Walk away from any offer with daily or weekly automatic withdrawals, a “factor rate” instead of an APR, or a “confession of judgment” clause — those are signs of a merchant cash advance, which is far more expensive than it looks.
Before you finance
Make sure your license and LLC are in order first — lenders and customers both ask. See your state license requirements and form your LLC.
ContractorLaunchKit may earn a referral fee from financing partners — it never changes your rate. Not financial advice.