Construction and Heavy Equipment Leasing & Financing

Unlock fast, flexible heavy equipment loans, construction machinery leasing, and tailored solutions to lease heavy equipment nationwide. Equipment Leases Inc. is the trusted authority for contractors, builders, and operators seeking the best in heavy construction equipment leasing and financing. Our team specializes in creative, client-focused solutions that keep your projects moving and your cash flow strong.
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Why Choose Equipment Leases Inc. for Your Construction Equipment Financing?

As a direct lender, Equipment Leases Inc., brings decades of industry expertise, a national reach, and lending capacity for projects up to $100MM+.

We’re known for rapid, flexible approvals, milestone-based funding, and creative solutions especially when banks say no. In fact, over 40% of our business comes from repeat clients who trust us to fuel their growth, year after year.

Our track record spans thousands of businesses nationwide, financing everything from bulldozers and cranes to specialized equipment, with transactions ranging from $250,000 to $100M+

We proudly support major brands like Caterpillar, John Deere, Komatsu, Terex, CNH Industrial, Cummins, and Liebherr.

“We always approach every transaction with a team mentality, we’re not just here to close a deal, we’re here to help your company grow.”

— Buddy Zarbock, President & Founder

$240K – $100M

TRANSACTIONS

When you choose Equipment Leases Inc., you get a partner who understands your industry, moves at your speed, and is invested in your long-term success.

Fast, Flexible Equipment Financing—How It Works

At Equipment Leases Inc., we make machinery loans and leasing simple and transparent. Apply online in minutes without the piles of paperwork or the long waits. As a direct lender with in-house underwriting, we move at the speed your business demands.

Secure Conditional Approval in Hours With a Streamlined Funding Process

Clients experience financing the way it should be: fast, simple, and transparent. Our digital-first approach means less paperwork and quicker decisions, so you’re never left waiting. As a true direct lender, we handle everything in-house with no brokers and no delays, just clear communication and rapid approvals.

Our clients appreciate knowing exactly where they stand, with real answers delivered in hours, not weeks. Whether you’re upgrading your fleet or seizing a new project opportunity, you get the capital you need, right when you need it.

That’s the Equipment Leases Inc. difference: speed, trust, and a team that’s invested in your success.

100% Project Financing—Beyond Just Equipment

We finance your entire construction project not just the machinery, but also delivery, setup, operator training, and soft costs. This preserves your working capital and eliminates financial surprises.

Heavy Equipment Leasing vs. Loans—What’s Best for Your Business?

Choosing between machinery loans, heavy construction equipment leasing, and other options depends on your goals, cash flow, and growth plans.

Industry insight: With 100% project financing, you can launch, expand, or upgrade without draining your reserves or worrying about unexpected expenses. We structure funding so you maintain working capital for other opportunities while we handle the details, keeping your project on track.

Common Scenarios—When to Lease, When to Finance

Seasonal or Project-Based Businesses: Leasing lets you scale up or down as needed, with lower payments during slow periods
Startups or Rapidly Growing Companies: Leasing helps preserve cash and credit, making it easier to invest in people and growth.
Established Contractors: Financing may be best for core equipment used daily, while leasing can fill gaps for special projects.

At Equipment Leases Inc., we’re flexible, offering solutions for all credit profiles and business sizes. Whether you need to lease construction equipment for a short-term project or secure a machinery loan for a major expansion, we tailor terms to fit your unique needs.

Compare Leasing and Financing Options

Here’s a quick comparison to help you decide:

Feature	Lease Construction Equipment	Machinery Loans (Financing)
Ownership	No (option to buy at end of term)	Yes (you own after final payment)
Upfront Costs	Lower or none	Usually higher (down payment)
Monthly Payments	Typically lower, flexible terms	Typically higher, fixed terms
Tax Benefits	Payments often fully deductible	Depreciation & interest deductions
Flexibility	Easy upgrades, trade-ins, short terms	Long-term asset, less flexibility
Balance Sheet Impact	Off-balance sheet (operating lease)	On-balance sheet (asset/liability)
End-of-Term Options	Buy, renew, or return	Keep equipment
Best For	Rapid growth, tech upgrades, seasonal	Long-term use, building equity

Our Simple, Transparent, and Efficient Process

Step-by-Step Application & Funding Process

Getting funded with Equipment Leases Inc. is fast and straightforward. Here’s how it works:

Apply Online: Complete our simple digital application—no lengthy paperwork.
Submit Basic Documentation: Just three months of bank statements, an equipment quote, and your driver’s license.
Fast Approval: Our in-house underwriting team reviews your application—most clients receive conditional approval within hours.
Funding Disbursed: Once terms are finalized, funds are released—often within days, and milestone-based disbursement is available for complex projects.
Get to Work: Take delivery, start your project, and focus on building, while we handle the financing.

Real Success Stories & Client Outcomes

General Contractor, Construction | $5,200,000

A contractor came to us with a real problem: rapid growth and a balance sheet that created limits. We were able to fund $5,200,000 for the purchase of additional Caterpillar equipment, with each piece adding $25,000 in net profits monthly.

What We Finance—Construction & Heavy Equipment Types

Types of Equipment Financed

We provide flexible financing and leasing for a full range of construction machinery and heavy equipment both new or used, including the latest technology and IT solutions. Whether you need to lease construction equipment for a major project or secure machinery loans for ongoing operations, we’ve got you covered.

From single units to entire fleets, including advanced IT and construction management technology, our heavy construction equipment leasing solutions are built to keep your business moving forward, no matter the scale or brand.

See the full list of equipment we finance:

Frequently Asked Questions (FAQs)

Who qualifies for heavy equipment loans or leasing?

We work with contractors, builders, and operators of all sizes nationwide. Approval is based on your business profile, cash flow, and equipment needs, not just your credit score. Startups, established firms, and even those with credit challenges are welcome.

What is the difference between equipment renting and leasing?

Renting is short-term and typically used for specific, temporary needs. Leasing is a longer-term solution, offering lower monthly payments, flexible end-of-term options (buy, renew, or return), and the ability to upgrade equipment as your business grows.

How fast is approval and funding?

Our streamlined, digital process means most clients receive conditional approval within hours and funding within days, often faster than traditional banks, thanks to our direct lender advantage.

What are the documentation requirements?

You’ll typically need a simple application, three months of bank statements, an equipment quote, and a copy of your driver’s license. Larger transactions may require additional financials, but we keep paperwork to a minimum.

Can I get financing with poor or bad credit?

Yes. We specialize in creative solutions for businesses with all credit profiles. Our team looks at your business potential and project needs, not just your credit score.

What are the tax benefits of leasing vs. loans?

Lease payments are often fully deductible as business expenses. With loans, you may benefit from depreciation and interest deductions. We recommend consulting your tax advisor for the best strategy for your situation.

Can I finance soft costs like delivery, setup, or training?

Absolutely. Our 100% project financing covers not just the equipment, but also delivery, setup, operator training, and other soft costs, helping you avoid financial surprises.

What happens at the end of a lease?

You have flexible options: purchase the equipment, renew the lease, or return the equipment, whatever fits your business needs at that time.

Ready to Grow Your Construction Business? Let’s Get Started.

Partner with Equipment Leases Inc. and experience the difference of working with a team that understands your industry, moves at your pace, and is committed to your long-term success. Whether you need to lease heavy equipment, finance a major project, or secure fast, flexible funding, we’re here to help you build and grow.

Have questions? Reach out by phone at (801) 461-3303, email us at proposal@equipmentleases.com, or fill out our quick online form.

Your information is always kept private and secure, we value your trust. Let’s build something great together.