Construction equipment financing for contractors, heavy equipment buyers, and earthmoving crews
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.
Regional pages that fit construction & earthmoving deals
These location pages add local context around used equipment, delivery timing, and the types of construction requests we most often see in each region.
Ontario
Province-wide construction equipment financing plus Ontario sub-region pages.
Ontario →British Columbia
BC context for civil work, compact equipment, and contractor-owned fleets.
British Columbia →Saskatchewan
Regional context for site equipment, hauling, and seasonal construction work.
Saskatchewan →Manitoba
Construction, civil, and municipal-support equipment financing in Manitoba.
Manitoba →Approval checklist
What to gather before sending a quote or listing.
Checklist →Exact equipment pages that support construction searches
Construction buyers often search the machine before the industry. These exact asset pages strengthen that path and connect it back to the broader contractor page.
Heavy equipment financing
Dozers, loaders, graders, and mixed heavy-equipment fleets.
Heavy equipment →Excavator financing
Mini excavators, full-size machines, and attachment packages.
Excavators →Skid steer financing
Skid steers, compact track loaders, and attachments.
Skid steers →Ontario equipment financing
Province-wide Ontario page with sub-region context.
Ontario →British Columbia
BC contractor, transport, and equipment-financing context.
British Columbia →Saskatchewan
Saskatchewan contractor, hauling, and seasonal-equipment context.
Saskatchewan →Used equipment guide
Helpful when the asset is used, privately purchased, or auction-sourced.
Used equipment →Approval checklist
What to gather before you submit a request or quote.
Checklist →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.