Industries
Construction equipment financing
From excavators to skid steers to dump trucks, we finance the machinery that wins bids and keeps job sites on schedule — new or used. Spread the cost over the work the equipment does, and keep your cash free for materials, crews, and the next project.
Challenges we solve
What construction businesses are up against
Payment cycles that lag the work
You buy materials and pay crews long before a project pays you. We structure financing so equipment costs do not strangle your cash flow between progress draws.
Equipment costs that scale with the bid
Landing a bigger job often means a bigger machine. We help you add capacity fast so you can take the work instead of passing on it.
Idle iron between projects
Gaps between jobs make a fixed payment feel heavy. We design terms around your real workload, not a generic schedule.
What we finance
Equipment for construction
Construction Equipment
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.
Explore financingEstimate 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
Built for construction
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Bid with confidence
Estimate the monthly cost of a machine before you commit, so you price jobs knowing your real numbers.
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New or used, your call
Finance the right unit for the job, whether it is a fresh machine or a solid used one you already found.
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Protect your working capital
Keep cash on hand for materials and payroll with flexible, down-payment options. (TODO: confirm down-payment specifics)
FAQ
Common questions
Can I get pre-approved before I find equipment?
Yes — knowing your budget first makes you a stronger buyer. Ask about a pre-approval, or a lease line of credit if you buy equipment regularly.
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 equipment across different provinces or states?
We serve businesses across Canada and the USA. (TODO: confirm any region-specific details for your location.)
Can payments be structured around progress draws?
Often yes — seasonal and stepped structures are one of the first things we shop for. Tell us the draw schedule and the holdback and we’ll take it to our funders. (TODO: confirm which payment structures are available.)
I need a machine for one project. Do I have to own it at the end?
No. An FMV lease lets you return or upgrade when the term ends instead of owning, which can suit a machine you took on for a specific stretch of work. If you expect to keep it earning after the job, financing or a $1-buyout lease usually makes more sense — we’ll walk through both.
How do I price a machine into a bid before I own it?
Run the machine through the payment calculator and carry that monthly figure into your estimate. It’s an illustrative starting point, not an offer of credit — if the bid is real, get pre-qualified so you’re working from a number we’ve actually quoted you.
Related services
Often paired with
Heavy Equipment Financing
Finance new or used commercial trucks, trailers and heavy machinery across North America.
Learn moreEquipment Leasing — Canada
Flexible lease plans built around your cash flow, including a company lease line of credit.
Learn moreNext step
Ready to get your business in gear?
Get approved today — it starts with a quick conversation.