Excavators, mini to full size
From a mini for tight residential access to a full-size machine for commercial dirt. New or used, dealer or private sale.
Excavation and site work
Equipment finance for excavation contractors
Excavators, track loaders, attachments and the trailer that moves them. Built Capital arranges the funding so the machine stops being the reason you turn work down. Most of our files start with a contractor who has already won the job.
Renting it
You pay for every week the machine sits on your site, including the wet ones. At the end of the job it goes back and you own nothing.
Owning it
Similar money, except it builds equity in an asset you can bid against next season, and lease-to-own ends at a $20 buyout.
What we finance
Iron, and the things that make it earn
Skid steers and track loaders
The machine that earns on the days the excavator is idle. Grading, backfill, material handling, and snow when the ground closes.
Attachments
Breakers, thumbs, grapples, augers, compaction. The cheapest way to widen what you can bid without buying a second machine.
The second machine
When one crew is the ceiling and you are sequencing jobs around a single excavator instead of running them in parallel.
The usual reason people call
The job is there, the machine is not
You bid it, you won it, and now the start date is fixed and the iron is not. That is a funding timeline problem, and it is the one we deal with most.
Bring the quote and the timeline. Having funding arranged before you go back to the dealer also means you are negotiating as a cash buyer rather than asking them to carry you.
Also on the table
Three other things site contractors come to us for
- Payments that follow frostIf your ground closes in December, the payment schedule does not have to ignore that. On lease-to-own we can arrange for it to ease through the freeze.
- A corporation under two years oldYear one is when an operator buys the most, and it is a normal time to do it. Lenders read the directors, so a young corporation is often straightforward to place.
- Working capital between drawsPayroll and fuel while you wait on a progress draw. Separate from the equipment, and it does not have to wait on an asset purchase.
Who this is for
Built for contractors who are scaling up
- Bidding bigger than the fleet allowsThe jobs you pass on because the iron is not there. Owning it changes what you can quote.
- Adding the second machineOne excavator is one job at a time. The second is what turns a good year into a bigger one.
- Moving off rentals onto owned ironRental money buys no equity. Owning the machine you already rent puts the same spend toward a title.
Tell us what you are buying and when you break ground
Leave your details and Built Capital calls you back. No application to fill in first, and nothing is pulled on your credit until you say so.
Start a funding conversationFunding is arranged through third-party banks and private lenders. Terms, rates, structures and approval depend on the file.
Frequently asked questions
I have already won the job and the start date is fixed. How fast does this move?
That is the most common file we see. Bring the quote and the date. Speed depends on the lender and how complete the picture is, so the fastest thing you can do is have the machine, the price and the seller ready when you call.
Can I finance a private sale, or does it have to be a dealer?
Both are usually workable, though a private sale needs a bit more on the machine itself: serial number, hours, and something showing clear title. Tell us which it is up front and it saves a round trip.
Used iron, or does it have to be new?
Used is normal in this trade and we place it regularly. Age and hours affect the structure and the term more than they affect whether it can be done at all.
What happens to payments when the ground closes?
If your work genuinely stops through the freeze, say so at the start. On lease-to-own we can arrange for the schedule to ease through those months rather than run flat across the year.
How much equipment can I carry at once?
Running more than one file at a time is normal as a fleet grows. What is realistic depends on the equipment, the directors and where the revenue is going, which is the first conversation rather than a form field.
Excavation and site work
Request a callback
Leave your details and Built Capital gets back to you directly to set up a time that works for you.
- Seasonal and skip-payment structures on lease-to-own
- Year one is the sweet spot, lenders read the directors
- Banks and private lenders, so the file goes where it fits
- The first machine or the fifth, with no fixed ceiling
Send your details
Thanks, you're all set. Built Capital gets back to you directly to set things up.