Finance the heavy equipment your operation demands
Heavy equipment is the backbone of construction, mining, forestry, and industrial operations. With individual machines costing $100K–$1M+, financing is essential for growth, and the ability to add equipment quickly can mean the difference between winning or losing a contract. Bay Street Lending connects operators with lenders who specialize in heavy equipment and understand asset-based lending. Because the machinery itself serves as collateral, qualification often hinges more on the asset and your business revenue than on a perfect credit score, opening doors for operators who may not fit a traditional bank profile.
A single excavator costs $100K–$500K. Cranes can exceed $1M. Equipment financing makes these acquisitions possible.
Heavy equipment requires constant maintenance. A credit line ensures repairs happen immediately to minimize downtime.
Income arrives in large, irregular payments. Working capital smooths cash flow between project completions.
Yes. Lenders finance used excavators, cranes, loaders, and other machinery. Equipment value and remaining useful life are key factors.
Excavators, wheel loaders, bulldozers, cranes, concrete pumps, generators, compressors, and virtually any commercial/industrial equipment.
Down payment requirements vary. Some lenders offer 100% financing for borrowers with strong credit. Others require 10–20% down.
One application, no credit impact, and a dedicated specialist to walk you through your options. See what you qualify for in minutes.