Excavator Financing Made Easy for Contractors & Construction Businesses
TopMark Funding specializes in excavator financing for contractors, builders, and heavy equipment operators nationwide. From compact excavators to large crawler units, we offer flexible financing programs designed to help you acquire the equipment you need with competitive rates and quick approvals.
$700 MM +
Equipment Funded By TopMark Funding
100 +
Expert Team Members Ready to Help
11.5K +
Businesses Funded & Growing!
50 +
Funding Programs to Meet Your Needs
Fast Funding and Flexible Terms for New and Used Excavators
Excavator Financing Solutions Designed for Contractors & Construction Companies
Contractors and construction companies rely on excavators every day for digging, grading, demolition, and site prep—so having access to the right machine is essential. Our excavator financing programs are built to support your workflow and cash flow, whether you’re replacing older equipment or adding a new unit to take on bigger jobs.
We offer fast approvals, flexible payment terms, and financing options for new or used excavators purchased from a dealer or private seller. With no hard credit inquiries, competitive rates, and programs for established businesses and startups, we make it easy to secure the equipment you need to stay productive and profitable.
Whether you need a compact excavator for tight spaces or a large crawler excavator for heavy workloads, we help you secure the right machine—without tying up your cash.
Get pre-approved in minutes. Guaranteed no hard inquiries. 100% no negative impact on your personal or business credit.
When you’re pre-approved by TopMark Funding, your pre-approval is good for 60 days. No additional credit checks.
Construction equipment financing made easy! We’ve created a quick and easy approval process and super-fast funding!
#1 rated heavy equipment financing company by drivers like you. Client satisfaction is our top priority! Your success is our success.
We have a great equipment financing program for startups with great credit. No money down, flexible terms, and great rates
We can finance any make or model of excavator, including mini excavators, crawler excavators, and long-reach units.
Trusted By Business Owners Like You
Real Customers. Real Growth. Real Reviews.
At TopMark Funding your satisfaction is our top priority. With decades of construction equipment financing experience, we know how important it is to deliver a great customer experience. Check out our reviews from our amazing customers.
Types of Excavator Financing Options
Flexible Programs Built Around Your Business Needs
Choosing the right excavator financing program can have a major impact on your monthly payments, cash flow, and long-term profitability. At TopMark Funding®, we offer flexible loans, leasing options, and lease-to-own programs for all types of excavators — including mini excavators, crawler excavators, long-reach units, and specialty models. Whether you’re a small contractor, a growing construction company, or a large operation expanding its fleet, we tailor financing solutions to fit your equipment needs and business goals.
Equipment Finance Agreement (EFA)
Own Your Excavator with Fixed Monthly Payments You Can Afford
An Equipment Finance Agreement (EFA) gives you the ownership benefits of a traditional loan with the simple, predictable structure of a lease. You make fixed monthly payments and own the excavator once the final payment is made, with no large buyout at the end of the term.
EFAs are ideal for contractors, construction companies, earthmoving operations, and site-prep businesses that want predictable costs, straightforward terms, and the ability to claim interest and depreciation deductions. With fast approvals and no hard credit inquiries, TopMark Funding® makes EFAs a smart, hassle-free option for long-term ownership of new or used excavators.
With TopMark Funding®, owning your excavator is easier than ever — get pre-approved in minutes.
Excavator Leasing Made Easy
Flexible Excavator Leasing Options for Contractors and Construction Companies
Leasing an excavator offers a lower upfront cost and often a lower monthly payment compared to a traditional equipment loan. Leasing is ideal for contractors and construction companies that want to upgrade their machinery every few years or keep newer equipment in their fleet without long-term ownership commitments. This makes leasing a strong option for earthmoving crews, site-prep contractors, grading companies, and construction operations that rely on modern, reliable equipment.
TopMark Funding® offers multiple lease structures, including FMV leases and TRAC leases, giving you flexibility with usage, term length, buyout options, and tax advantages — all while helping you preserve cash flow and maintain a productive fleet. Whether you’re leasing a mini excavator, crawler excavator, or specialty long-reach unit, our programs are built to match your project demands and equipment upgrade cycles.
Get pre-approved today and upgrade your excavator with confidence.
New & Used Excavator Loans
Excavator Loans with Fast Approvals, Flexible Terms, and Competitive Rates
An excavator loan is the best option if you want full ownership of your equipment once your payments are complete. With fixed monthly payments and flexible terms, TopMark Funding® makes it simple to finance new or used excavators from any dealership, auction, or private seller.
You’ll build equity over time and may qualify for tax deductions on depreciation and interest. Our team helps contractors, construction companies, earthmoving operations, and site-prep businesses secure competitive rates and fast approvals — so you can expand your fleet quickly and keep your projects moving on schedule.
Get pre-approved for an excavator loan today and start building long-term equity in the equipment your business depends on.
Our Simple 4-Step Excavator Financing Process
We’ve streamlined equipment financing so you can get approved quickly and start earning revenue with your new equipment.Â
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Step 1: Get Pre-Approved
Complete our quick and easy online application or call (866) 627-6644. We’ll ask about your business, credit situation, and the equipment you need. We use only a soft credit inquiry that has zero impact on your credit score – guaranteed.
⏱ Application 2-5 minutes | 💳 Zero credit impact | 📱 Online or phone
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Step 2: Speak With Your Account Executive
A dedicated financing specialist reviews your application and contacts you within a few hours or less. They’ll discuss your financing options (EFA, lease, loan), provide rate ranges, and answer questions. Your pre-approval is valid for up to 60 days with no additional credit checks.
⏱ Fast response time | ✓ 60-day pre-approval | 👤 Dedicated support
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Step 3: Find Your Equipment and Submit Documents
Shop for up to 60 days at any dealership or private seller. When you find your equipment, submit the required documents (we may not need all of these depending on the program you qualify for): tax returns, bank statements, driver’s license, insurance, etc… Your account executive will guide you through exactly what’s needed.
 🤏 Minimal documents | 🚛 Any dealer/seller | 📤 Electronic submission
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Step 4: Sign and Get Funded
Review your financing contract with all terms clearly disclosed. Sign electronically, and we’ll fund your equipment as soon as possible! We coordinate payment directly with your dealer or seller so you can hit the road fast.
⏱ Fast funding | 📝 E-signature accepted | 🎯 Quick & easy process
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Why Choose TopMark Funding?
âś… Soft credit inquiry only (no impact to credit score)Â Â
âś… 60-day pre-approval window (not 30 days like competitors)Â Â
âś… Finance from any dealer or private seller nationwide Â
âś… Pre-approval up to $250k for qualified applicants Â
âś… Dedicated specialist (not a call center)Â Â
âś… Fast funding after signed documents
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Get Pre-Approved Today!
Start your excavator financing with zero credit impact. Know what you qualify for before you shop.
Get Pre-Approved Now or Call: (866) 627-6644
Pre-approval valid for up to 60 days | Application takes 5 minutes or less | No hard inquiries guaranteed
Trusted by Business Owners Nationwide
Real Reviews from Truckers, Contractors, and Fleet Owners Just Like You
At TopMark Funding®, your satisfaction is our top priority. With decades of experience in commercial trucking and construction equipment financing, we understand how important it is to deliver a smooth, reliable customer experience. See what our customers have to say.
Excavator Financing FAQ
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How does excavator financing work?
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What credit score do I need to finance an excavator?
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Can I finance a used excavator?
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How much down payment is required?
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What kinds of excavators can I finance?
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Can startups or new construction businesses get excavator financing?
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Do you run a hard credit check?
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How long are excavator loan terms?
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Can I use Section 179 with excavator financing?
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Can I finance multiple pieces of equipment?
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Do you finance equipment from private sellers or auctions?
Excavator Financing Glossary of Common Terms
Understanding the terminology used in waste equipment financing can help you make smarter decisions when buying or leasing garbage trucks, roll-off trucks, dumpster haulers, front loaders, rear loaders, and other refuse vehicles. Whether you’re a small hauling company, a growing waste management operation, or a municipal fleet manager expanding your equipment lineup, this glossary explains the most common terms you’ll encounter in the commercial waste equipment financing process. Use this quick reference guide to navigate programs confidently and choose the best solution for your waste and refuse business.
Excavator
A heavy construction machine used for digging, trenching, grading, demolition, and material handling. Excavators come in various sizes, from compact units to large crawler models.
Mini Excavator
A small, compact excavator designed for tight spaces, landscaping, residential construction, and light earthmoving. Typically under 10 tons.
Crawler Excavator
A large excavator built on steel tracks for stability, power, and performance on rough terrain. Commonly used for commercial construction and heavy earthmoving.
Long-Reach Excavator
An excavator equipped with an extended boom and arm, designed for deep excavation, canal work, and high-reach demolition.
Excavator Boom
The main lifting arm of an excavator. It connects to the stick (arm) and allows the operator to reach out and lift materials.
Excavator Stick (Arm)
The component attached to the boom that extends the excavator’s reach for digging and trenching.
Bucket
The attachment used to dig, scoop, or move materials. Buckets come in multiple types, including trenching buckets, grading buckets, and rock buckets.
Hydraulic System
The system of pumps, hoses, and cylinders that powers the excavator’s boom, stick, bucket, and attachments.
Operating Weight
The total weight of the excavator including fuel, fluids, and standard attachments. Heavier machines offer more digging power and stability.
Digging Depth
The maximum depth the excavator arm and bucket can reach while digging. A key factor when choosing a machine.
Swing Radius
The circular distance the excavator needs to rotate fully. Zero- or reduced-tail swing models are ideal for compact or urban jobsites.
Undercarriage
The lower portion of the excavator, including tracks, rollers, and frame. Crucial for stability and traction on tough terrain.
Track Excavator
A general term for excavators using steel or rubber tracks instead of wheels, offering traction on uneven ground.
Excavator Attachments
Tools that expand the machine’s versatility, such as hydraulic breakers, augers, thumbs, grapples, and compaction wheels.
Hydraulic Thumb
A popular attachment used to grip materials such as logs, rocks, or demolition debris.
Auxiliary Hydraulics
Hydraulic lines that power attachments like hammers, grapples, and augers.
Telematics
Technology that tracks equipment location, usage, fuel levels, and maintenance needs. Useful for fleet management and job costing.
Hours of Use
The number of operating hours on an excavator’s meter. Similar to mileage in vehicles, it helps determine wear and remaining lifespan.
Boom Swing
The ability to angle the excavator boom left or right without rotating the entire upper structure — valuable in tight spaces.
Breakout Force
The amount of power an excavator applies when breaking through soil, rock, or tough materials.
ROPS/FOPS
Roll-Over Protective Structure / Falling Object Protective Structure — safety-certified operator cab protection.
Get the Equipment Financing You Need – Fast, Simple, and Hassle-Free
At TopMark Funding®, we make it easy for owner-operators, fleets, and waste and refuse companies to get the financing they need to grow. Fast approvals, flexible programs, and no hard credit inquiries — because getting your next truck shouldn’t slow you down.