Funding desk open. Decisions in as little as 24 hours. Checking your options is a soft pull and costs you nothing.

Money for construction · logging · excavation

Get the machine and the money your next job needs. Funded in days, not months.

We help contractors pay for equipment, cover payroll and keep cash on hand. $25,000 to $5,000,000, anywhere in the country. Most people hear back in about a day. Money can land in your account the day after that.

Checking your options does not hurt your credit
New or used machines, we can cover the whole price
Payments set up around how your jobs pay you
Nationwide, all 50 states
See How It Works

Takes about a minute. Looking at your options will not change your credit score.

Estimate a payment

Estimated monthly payment
$6,460/mo

Estimate only, not an offer of credit. Your actual rate depends on time in business, revenue, and equipment type. Subject to credit approval.

Takes about a minute. Real numbers back in as little as 24 hours.

$25K

Smallest deal we write

$5M

Largest deal we write

24HR

Decisions, not weeks

50

States served nationwide

Why work with us

Get funding that moves as fast as the job does.

Three things you get here that you do not get from a bank portal or a call center.

01

An answer in days, not weeks

You are not waiting a month and a half to hear back. On average we have a deal done inside the same week you apply, while the machine is still on the lot.

02

No hidden costs

You see the payment, the term and the total dollars before you sign anything. One payment, one date, and the total written down before you sign.

03

A dedicated specialist

One person who knows your file and keeps helping your business grow, whether this is your first time financing with us or your tenth. Not a new rep every call.

What owners say

Owner-operators and contractors in their own words.

Printed word for word, the way they were given to us. Nothing cleaned up and nothing rewritten.

5 out of 5 stars
“Needed financing for a used Peterbilt and a couple of trailers. I've got some older credit that usually gets me turned down, but Kevin stuck with it and really fought to get the deal done. True, Spark Financial is the best.”
Mike T.Owner-Operator, Trucking
5 out of 5 stars
“Financed a new skidder and processor. Nate took the time to understand our seasonal cash flow and worked the numbers until they actually fit logging. He didn't let our credit challenges stop the deal. Spark Financial came through for us.”
Sarah K.Logging Contractor
4 out of 5 stars
“Got financing for a CAT excavator and a dozer. Kevin kept everything straightforward and pushed hard even though my credit isn't perfect. Short delay on final paperwork, but he stayed on it. Solid experience with Spark Financial.”
Carlos R.Earthwork / Excavation
5 out of 5 stars
“Third deal with them, another day cab and a reefer. Nate has always been easy to deal with and finds a way to make the numbers work, even when credit is a little challenged. No runaround. True, Spark Financial is the best.”
Jason L.Independent Trucking
5 out of 5 stars
“We needed to replace an aging feller buncher. Kevin walked us through a lease that fit our budget and advocated hard for us despite some older credit marks. Grateful we found Spark Financial.”
Debbie M.Family Logging Business
5 out of 5 stars
“Financed two articulated dump trucks and a grader. Nate was clear, didn't oversell, and negotiated better terms than I expected given my credit history. Equipment is already earning. Spark Financial did right by us.”
Tony V.Earthmoving Contractor
4 out of 5 stars
“Added three used Class 8 trucks. Kevin moved things quickly and fought to get approvals through even with some credit challenges in the file. Rate wasn't the lowest, but the effort and service were strong. Would use Spark Financial again.”
Brian H.Fleet Trucking
5 out of 5 stars
“After a tough season we needed a new loader and attachments. Nate was patient, explained everything, and kept working the deal until it made sense, credit issues and all. He didn't give up. True, Spark Financial is the best.”
Angela P.Logging & Timber
5 out of 5 stars
“Picked up a mini excavator and a skid steer. Kevin made the process feel simple and helped structure payments that work for smaller residential jobs, even with less-than-perfect credit. Already thinking about the next machine with Spark Financial.”
Derek S.Site Work / Earthwork
5 out of 5 stars
“My last lender made everything difficult because of older credit. Nate at Spark Financial was the opposite, clear communication and he fought to get a late-model Kenworth approved. Truck's been great and the financing has been smooth.”
Ron W.Owner-Operator Trucking
4 out of 5 stars
“Financed a larger excavator for commercial work. Kevin stayed on top of it even when extra documents were needed and my credit raised some questions. He kept things moving. Good experience with Spark Financial.”
Lisa G.Earthwork & Grading
5 out of 5 stars
“Needed a processor and forestry attachments. Nate structured the deal around our production cycles instead of a rigid schedule and worked through the credit challenges. That flexibility mattered. Spark Financial understood the business.”
Kevin N.Logging Outfit
5 out of 5 stars
“Financed a dump truck and a track loader together. Both Kevin and Nate were helpful, coordinated everything, and pushed hard to get it approved under one roof despite some older credit. True, Spark Financial is the best.”
Marcus J.Mixed Trucking & Earthwork
5 out of 5 stars
“These guys are my go-to.”
Chris B.Trucking

Funding programs

Three ways to put capital on the jobsite.

Built for heavy work. Priced around how contractors actually get paid. Business only, never consumer.

Equipment Finance & Leasing

New or used iron · up to 100% financing · up to 84 mo

  • Excavators, dozers, skidders, cranes, trucks. Dealer or private party
  • $0 down structures available to keep your cash in the business
  • Section 179 and bonus depreciation may apply. Ask your CPA
  • Approval leans on the iron, not just your FICO

Working Capital

Up to $5,000,000 · decisions in as little as 24 hrs

  • Cover payroll while you wait on retainage
  • Buy materials at volume pricing before the season
  • Bridge the gap between mobilization and first draw
  • One flat cost, stated once. No daily drafts pulling from your account

Business Line of Credit

Revolving · draw as needed · pay only on what you use

  • Standby capital for breakdowns and surprise bids
  • Built for seasonal logging and excavation cycles
  • Reuse the line as you pay it down. No reapplying
  • Costs nothing to have. Everything to not have

The Fast-Track process

Application to wire in four moves.

One process. Same in all 50 states. No branch visits. No committees. No "we'll circle back."

STEP 01

Apply online

One secure form captures your funding need and key business data. No 40-page bank packets.

STEP 02

Desk review

A real underwriter reads your file. Someone who knows what retainage is. You get options back, not a form rejection.

STEP 03

Upload docs, get terms

Send over your financials and tax IDs. We return firm terms in plain English, with the full cost on one page.

STEP 04

Funds wired

Sign, and capital lands in your business account. Buy the iron, make payroll, win the bid.

Free, no application required

Run your own numbers before you talk to anybody.

You should not have to hand over your information to find out what money costs. Use these first. Call us second, or never.

Calculator

Equipment Tax Savings

Estimate your Section 179 and bonus depreciation write-off on a machine, and see why financing it can put more cash in your pocket this year than paying cash does.

Estimate my savings Guide

The Capital Playbook

What gets contractors auto-declined and how to fix it. How factor rates really work. The exact document stack that turns a six week review into a fast yes.

Read the playbook
What you get when you apply

What happens after you hit submit.

Most lenders make you chase them for a number. Here is what you get instead.

  • A decision in as little as 24 hoursA real answer with real numbers, not a "we'll be in touch."
    Back in 24 hrs
  • Equipment tax-advantage walkthroughHow Section 179 and bonus depreciation may apply to your purchase, so you can take the numbers to your CPA.
    Before you buy
  • One funding advisor, start to finishOne human. Direct line. Knows your file from application to wire, and still knows it on your next deal.
    Every deal, same person
Cost to applyNothing, and no credit-score impact

Straight answers

FAQ

Do I have to move my banking over?
No. Keep every account and every line exactly where it is. This sits alongside what you already have. Most of our customers run both, and plenty of deals get done specifically so the relationship they have stays untouched.
Will applying hurt my credit score?
No. The first look is a soft pull, which has zero impact on your score. A hard pull only happens later, with your say-so, if you decide to move forward on a specific offer.
What are your rates?
It depends on the deal, and anyone quoting you a rate before seeing your file is guessing. Strong files price near bank rates. Tougher files cost more. What we will do is show you the full dollar cost on one page before you sign anything. No factor rates. No math you need a calculator to unwind.
What does it take to qualify?
Established business, real revenue, and a deal that makes sense. Strong files get the best pricing. On equipment deals the machine itself carries a lot of the weight, so time in business, revenue and the asset often matter more than the score alone. Tell us the situation and you get a straight answer either way.
How fast is "fast," really?
The application takes about 4 minutes. Decisions come back in as little as 24 hours. Funded deals wire in as little as 48 hours after final docs. Those are the fastest files we handle, not every file. Complex or $5M-scale deals run longer, and we tell you that up front, not after.
I already have a cash advance. Can you help?
Often, yes. Bring the contract. We'll read the real cost out of it and tell you honestly whether refinancing saves you money or not. Sometimes the answer is to ride it out, and we'll say so.
Do you finance used or private-party equipment?
Both. Dealer sales, auctions, and private-party purchases, new and used. Up to 100% financing is available on qualifying equipment for qualified applicants, so your working capital stays in the business.
What documents do I need?
For most deals under $250K: the application and 3–6 months of business bank statements. Larger files add business financials and tax returns.
What does it cost to find out what I qualify for?
Nothing. No application fee and no obligation. You get real numbers and you decide from there.

60 seconds · no hard pull

The job won't wait.
Neither should the money.

Answer four quick questions and a real person calls you back with real numbers. No documents to dig up yet. No hit to your credit.

Rather just talk? Call the desk: 972 419 4373 · Mon–Fri 8–6, Sat 9–2 CT