Financing for the people
who build, haul and fix things.
Heavy equipment financing and leasing, plus working capital for the gap while customers pay net-30 to net-90.
Heavy equipment financing and leasing, plus working capital for the gap while customers pay net-30 to net-90.
Machines cost what they cost, and customers pay when they pay. LoanHelp explains your options in plain English, then sends one application to one lending partner.
No runaround.
Excavators, tractors, trucks, trailers, CNC machines, service vans
Buy or lease the machine you need, new or used, from a dealer or a private-party seller. The equipment itself usually secures the financing.
Invoice factoring & receivables financing
When a GC, shipper or distributor pays on net-60, you can advance against those invoices instead of waiting. Approval leans on your customers' payment history as much as yours.
Each fits a different situation. We'll tell you when one isn't a good fit — and point you to the product page that explains fees, timing, and tradeoffs.
Short-term funds for payroll, fuel and materials between jobs.
Draw when you need it, pay interest only on what you use. Easier to open before a crunch.
Government-backed 7(a) and 504 loans: longer terms, more paperwork, a slower close.
Repaid from future sales. Fast, but often the most expensive option here, and daily payments can squeeze cash flow. We'll show the total you'd repay first.
Describe your situation in your own words. Ask LoanHelp explains the options and the questions to ask, without a sales pitch.
Open Ask LoanHelp →That gap is common in construction. Two options are worth comparing:
Invoice factoring. A factoring company advances most of an approved invoice now and pays the rest, minus a fee, when your GC pays.
A line of credit. You draw for payroll and repay when the check clears.
Worth asking any provider: the total fee on a 60-day invoice, recourse or non-recourse, and whether your GC is notified.
Illustration of an Ask LoanHelp answer. General information, not an offer or advice.
AskAbout your situation in your own words, or go straight to the financing you think fits.
ApplyWith a short form for that product. Equipment asks about the machine; factoring asks about your customers.
Hear backFrom our lending partner, who reviews your details with your consent and calls to talk through options.
LoanHelp isn't a lender. We help you understand your options, then pass your application to one lending partner.
Four questions to begin. The rest depends on the financing you pick — same flow as the full application.
Step 1 of 3 · Basics
Pick the closest match.
A range is fine — or enter a target amount below.
Shown formatted like the full application.
No credit check to apply. Open the full form.
