Tailored Financing for Heavy Construction Equipment

We look beyond the numbers to understand your projects, pressures, and long-term goals—because construction success requires more than clean ratios.

Tight margins, rising material costs, and project-based timelines make it harder than ever for construction companies to keep essential equipment purchases off the balance sheet. At Essex Lease Financial, we provide flexible financing solutions that help you secure the machinery you need—without straining cash flow or impacting day-to-day operations.

Financing Solutions Built for Construction

Whether you’re building commercial developments, completing civil infrastructure work, or managing a growing fleet of yellow iron, we’re here to help you finance the new or used equipment your projects demand. From excavators and loaders to compact equipment, trailers, and specialty machinery, our team works with you to find the right solution for your operational needs and long-term goals.

Excavators

Bulldozers

Trucks

Truck Cranes

Reefer Trailers

Grain Trailers

Crude Trailers

Get your financing in 3 easy steps

Credit application

Let us know about your financial information and business needs.

Signature

Sign your customized financing contract.

Expand your business

Get your financing and use your new equipment to grow your operations.

The goal that
drives our success

We Understand Construction—On Every Jobsite

Every construction business faces unique pressures: fluctuating project schedules, seasonal slowdowns, delayed payments, and the need to move quickly when the right equipment becomes available. Unlike traditional lenders who rely solely on financial statements, we take a broader view—one that recognizes your expertise, your project pipeline, and the realities of the construction industry.

Our goal is simple: to deliver customized, flexible financing designed specifically for construction companies, especially those overlooked or underserved by conventional banks. We take the time to understand your business, assess real-world challenges, and build solutions that help you keep projects moving, teams equipped, and opportunities within reach.

Why Construction Companies Choose Essex

Flexible structures tailored to project timelines and cash flow
Fast approvals when equipment becomes available
Options for new or used heavy equipment across all major brands
Refinancing solutions to unlock working capital from existing assets
A team that understands construction – not just the numbers

At Essex Lease Financial, we’re more than a lender. We’re a partner committed to helping construction companies access the equipment they need to grow, compete, and take on their next big build.

Testimonials

Faster Financing Starts Here

"Three and a half years later, we’re still in a partnership with Essex because they truly are great to work with. They think outside the box in every scenario to make deals happen, and the relationships we've built with them have been invaluable. Thanks to Essex, we’ve connected with fuel suppliers and trucking companies, expanding our network in ways we never thought possible."

Matt Reber

Road to Rail Construction

frequently asked questions

The Answers You Want To Know

What financing options are available for my business?

We offer a variety of tailored financing solutions to meet the unique needs of your business. Our options include:

Equipment Financing: Ideal for purchasing, renting, or leasing new and used equipment.
Working Capital Loans: Ideal for flexible funding to help manage cash flow or seize growth opportunities.
Lines of Credit: Ideal for ongoing access to funds to support operational needs.
Consolidation Loans: Ideal for streamlining multiple debts into a single, manageable payment.
Sale and Leaseback Transactions: Do you have hidden equity in your equipment that a traditional lender won’t allow you to access? Sale and leaseback transactions are ideal for unlocking the value of existing equipment to free up capital while continuing to use the assets.

At Essex Lease, we specialize in helping businesses that face challenges with traditional financing methods. Our quick approvals, flexible terms, and customized payment solutions are designed to support your growth and operational goals.

What are your construction equipment financing rates?

Construction equipment financing rates vary based on several factors, including:

Equipment type and age
Loan or lease structure
Term length
Overall business profile

Because every business is different, Essex focuses on competitive, customized solutions rather than one-size-fits-all pricing.

Is leasing construction equipment a good option?

Leasing construction equipment can be a strong option for businesses that want flexibility, predictable payments, or the ability to upgrade equipment over time. Essex offers lease structures designed to match real-world construction cycles.

Can I finance used construction equipment?

Yes. Used construction equipment financing is a common option for businesses looking to manage costs or expand fleets efficiently. At Essex, we consider the age, condition, and application of the equipment and work with you to structure financing that aligns with your operational needs.