Construction & earthmoving equipment financing—built for contractors
Site prep, demolition, and earthmoving businesses win work by moving fast—equipment shouldn’t be the part that slows you down. Merrit Capital supports owner‑operators and small to mid‑sized contractors across Canada with equipment financing structured around the asset and the job.
Construction equipment we commonly finance
A few examples from typical site prep, demo, and earthmoving requests.
Earthmoving & excavation
Excavators, dozers, loaders, backhoes, graders, and support equipment.
Compact equipment
Skid steers, compact track loaders, mini excavators, compactors, and attachments.
Attachments & specialty tools
Breakers, augers, buckets, forks, mulchers, plate compactors, and job‑specific tooling.
Buying used, private sale, or auction equipment?
That’s common in construction. Send the listing details and timeline and we’ll tell you what’s realistic and what’s needed next.
What lenders typically care about
Every deal is different, but these are the recurring “make it easy to approve” inputs.
Clean equipment details
Make/model/year, hours (if applicable), price, and who’s selling it. Include attachments and any separate quotes.
Business stability
Time in business, where you operate, and the type of work you do. Contractors with repeatable work and clear scope tend to move faster.
A realistic structure
We’ll recommend lease vs. finance and a term that matches the asset. The goal: approval that funds cleanly—not a quote that collapses later.
Construction equipment financing FAQ
Do you finance used excavators and dozers?
Yes. Used equipment is common. What matters is clean documentation, clear equipment details, and a structure that fits the asset and approval profile.
Can you help with auction purchases?
Often, yes. Timing matters with auctions—if you’re bidding, send the listing details early so we can align on what’s realistic before the deadline.
Do you finance attachments too?
Yes. Attachments and tooling can often be included, especially when they’re part of the equipment package and clearly priced.
How fast can approvals happen?
Speed depends on the asset, the structure, and how complete the details are. For straightforward requests with clean information, decisions can often come back quickly—sometimes within 24 hours.
Lease vs. finance—what should I choose?
It depends on your goals and tax strategy. Use our plain‑English guide and we’ll recommend the structure that fits the transaction.
Need to move quickly on a machine?
Send the basics and we’ll route it to the right lender and structure.