Equipment financing
Construction equipment financing & leasing
Keep your crews working and your cash free. We finance new and used construction equipment and heavy machinery across Canada and the USA — including the unit you have already lined up at the dealer or auction.
What we finance
Construction Equipment we fund
Excavators
Diggers for earthmoving, trenching, and site prep.
Loaders & dozers
Wheel loaders, skid steers, and dozers for grading and hauling.
Cranes & lifts
Cranes, boom lifts, and telehandlers for working at height.
- New and used excavators and loaders
- Dozers, graders, and skid steers
- Cranes, boom lifts, and telehandlers
- Attachments and support equipment
- Refinancing on machinery you already own
Typical financing terms
How the terms usually work
Construction terms are set around your business, your credit, and whether the machine is new or used. Heavy equipment can finance over different lengths than on-highway units, and zero-down options may be available — ask us for a real quote (TODO: confirm specifics).
Estimate it
Finance Payment
Enter the equipment price, your down payment, and a term to estimate a monthly payment, total paid, and total interest.
13% of price · ask about zero-down options
Example rate, editable — your real rate depends on your business and credit. (TODO: confirm default)
See your results
Enter your phone or email and we’ll show you what we found.
No spam — a BCEF advisor may follow up about your financing.
Estimates only. Not an offer of credit. Your actual rate and payment depend on your business and credit profile.
Why Blue Capital
What you get
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Zero down payment options
Keep your cash working in the business.
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Competitive rates
We shop multiple funders so you don’t overpay.
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All credit considered
Newer credit and past bumps welcome — we look at the whole picture.
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Same-day approvals
Paperwork out the day you reach us, in many cases.
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Multiple finance options
Finance, lease, refinance, or a lease line of credit.
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Honest, educational guidance
We explain every number before you sign.
How it works
Get a same-day approval.
- 01
Talk to an advisor
Tell us what you need; we’ll map your options.
- 02
Share financials & credit
A quick review so we can get you approved.
- 03
Sign & get funded
Sign the lease/finance docs and put the equipment to work.
FAQ
Common questions
Can I refinance equipment I already own?
Often yes — refinancing can free up cash from equipment you own, or replace a payment you’re not happy with. Ask us what’s possible for your situation.
Can you finance a private-sale or auction purchase?
Often yes — including units you’ve already found at a dealer, auction, or private seller. (TODO: confirm any restrictions.)
What term lengths are available?
Terms are set case by case around the equipment and your cash flow; heavy equipment can run over different lengths than on-highway units. (TODO: confirm ranges.)
Can I finance attachments with the machine?
Often yes — buckets, breakers, thumbs, grapples, and skid-steer attachments are commonly written into the same deal as the machine they run on. Put them on the same quote as the unit and send it over, and we’ll structure the package as one. (TODO: confirm any funder limits on attachment value.)
Do machine hours matter on a used excavator?
Yes — hours tell a funder more about a used machine than the model year does, so a low-hour older excavator can look stronger than a high-hour newer one. Hours, condition, and the make all feed into how the deal structures. Send us the unit and we’ll tell you where it lands.
Do you finance cranes and boom lifts, or just earthmoving machines?
Both. Cranes, boom lifts, and telehandlers sit on the list alongside excavators, dozers, and loaders. Bigger, more specialized iron gets looked at case by case — send us the spec and the quote and we’ll take it to funders who know heavy equipment.
Related
Keep exploring
Next step
Ready to get your business in gear?
Get approved today — it starts with a quick conversation.