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New Equipment Today. Full Write-off This Year.
Finance new or used equipment before December 31st to use Section 179 for a 100% tax deduction. Learn More
How Construction Equipment Finance and Leasing Can Work for You
Having the right tools and construction equipment for the job can make the difference between winning and losing a bid. To win more bids and more business, you need to have the heavy equipment and contractor tools to work efficiently and safely. Construction equipment is expensive and large, however, and it’s not always possible to pay up front for new equipment.
When you need to upgrade or replace construction equipment, consider your heavy equipment financing options. You’ll be able to get the equipment you need without drawing upon the entirety of your business savings.
Affordably Replace Worn Out Equipment
- Upgrade your well-used heavy equipment with newer equipment at a fraction of the price of buying.
- Replace power tools and other handheld equipment with brand new models.

Get Tax Savings
- Take advantage of the Section 179 deduction on your next business tax return.
- Deduct up to 100% of your construction equipment loan payments.
Have Cash for Other Needs
- No down payment requirement on heavy equipment loans means you’ll be able to keep working capital for other needs.
- A consistent payment amount helps you better plan for allocating cash.
Finance New Construction Business Technology
- Use computers and tablets to complete administrative tasks while you’re at the job site.
- Upgrade to the latest construction invoicing software for seamless payments from your clients
Construction Equipment Financing Details
Construction equipment financing from National Funding lets you get the new or pre-owned equipment you need to build your business to success. With our Lowest Payment Guarantee and no down payment requirement, we can help save you money on construction equipment. Our dedicated Loan Specialists will work to get you a quick approval on virtually any type of equipment. We’ll work hard to find you the payment option that works best for your business.
National Funding is a leader in construction equipment finance companies with low monthly payments and multiple loans and lease options.
Qualifications for Equipment Financing and Leasing
6 months
in business
FICO score
over 575
Equipment quote
from a vendor
How to Apply
Applying for construction equipment financing is easy. Simply fill out our quick and easy online application and one of our friendly loan specialists will contact you to learn more about your business. Your loan specialist can help you decide which financing option is a good fit for your business and circumstances.
Why National Funding?
No one knows what equipment your construction business needs like you. Getting what you need to be successful shouldn’t be difficult. The National Funding team has been helping contractors obtain construction equipment financing for two decades. Our dedicated construction Loan Specialists will listen to your equipment needs and help you find a financing solution tailored to your business.
We Know Construction Businesses
Experience supporting construction business ownersTrusted by Businesses Like Yours
Over $3 billion in funding to more than 50,000 businesses nationwidePersonalized Experience
Lending solutions and payment options tailored to your specific needsFast & Easy Application Process
No-cost, no-obligation application with funding in as few as 24 hoursLoan Specialists Who Care
Experienced Loan Specialists help you make the right decisionPreserve Cash
Hold on to more of your hard-earned cash for use in other parts of the businessRatings & Reviews
As a leader in the construction equipment loan and leasing industry, we’ve helped restaurant owners nationwide get the equipment they need.
Disclosures
Legal Disclosures
True to our mission, we encourage you to read the following policies and learn how they affect you as a client.
(1) 24 hours:
Fast approvals and 24 hour funding subject to receipt of required documentation, underwriting guidelines, and processing time by your bank. Funds are deposited into your business checking account as soon as the next business day after approval and acceptance of terms.
(2) Early payoff discounts:
National Funding offers special opportunities for its customers to terminate contracts early and receive a discount in the process. Equipment Finance customers who pay off the total remaining balance early, at any point during the contract, will automatically receive a 6% discount off the total remaining balance. Working Capital customers who pay off the total remaining balance in full within the first 100 days of the contract will automatically receive a 7% discount off the total remaining balance. We do not currently offer a discount on our lease contracts. Customers must pay off the balance in full, be current, and in good standing to take advantage of the discount within the time parameters.
(3) Automatic payments:
Loan payments are withdrawn via Automatic Clearing House (ACH) Monday through Friday excluding bank holidays.
(4) Wide variety of payment options:
- Equipment Financing: payments are remitted monthly with terms of 2-5 years
- Working Capital Loan: payments can be remitted daily or weekly with terms of 4 months up to 24 months
(5) Potential Tax Savings:
The Section 179 Tax Deduction allows businesses to deduct the full purchase price of qualifying equipment and/or software purchased or financed during the tax year. Meaning, if you buy (or lease) a piece of qualifying equipment, you can deduct 100% of the purchase price from your gross income. You can secure the equipment, tools, and technology you need, while also taking advantage of significant tax deductions - up to $1,000,000. Consult your tax professional for more details.
(6) Guaranteed lowest payment:
Pursuant to the terms and conditions specified in these Rules and Restrictions of the Guaranteed Lowest Payment, National Funding guarantees to provide the lowest payment on equipment leased through National Funding, for lease terms from 24 to 60 months, or to pay $1000 towards qualifying executed leases. Lease payment comparisons must be based on a lease in excess of $10,000, for approved equipment, and with the same terms and conditions as those offered by National Funding within seven days that the National Funding terms are issued. To be eligible, customers must provide a competitive lease quote without contingencies, and vendor invoice, and in the name of the lessee within seven calendar days of the date National Funding issues its terms. Guarantee only valid on competitive equipment leases. Equipment finance agreements do not qualify.
In the event that the monthly lease payment amount from the competing lease company or bank is lower than the monthly payment that is being offered by National Funding for the same equipment and pursuant to the same terms, National Funding will verify the validity and accuracy of the competing leasing company’s or bank’s payment options, terms and the vendor quote. National Funding has the option, in its sole discretion, to either beat the competing leasing company’s or bank’s monthly payment rate, or pay $1000 to the lessee. The lessee must provide National Funding with the competing company’s or bank’s signed lease agreement with payment terms/options, and take delivery of the equipment. Payments will be made within 30 days, and lessee is responsible for any taxes.
The Guaranteed Lowest Payment is available to both new and established customers of National Funding. This offer is valid for new lease applications only. The Guaranteed Lowest Payment is not retroactive — a previously funded equipment lease with National Funding is not eligible for the Guaranteed Lowest Payment. Only non-contingent offers of lease terms and payment are eligible. Offers made to lessee that include subsidization by manufacturers and/or vendors will not be considered in comparing competing offers.
The Guaranteed Lowest Payment may be discontinued at any time without notice.
To participate in the Guaranteed Lowest Payment program, if you have a lease agreement and vendor quote which you believe will qualify for the program, contact your National Funding Lease Manager.
(7) Terms and Conditions apply:
This is not a guaranteed offer of credit. Loans subject to lender approval. Approval amount is based on eligibility determined by information obtained from Dun & Bradstreet. Actual eligibility may vary. Restrictions may apply. Application is subject to approval by the lender and is based on factors such as business type, time in business, annual sales, average bank balances, personal credit and other variables deemed relevant by the lender.