Built for Construction Equipment Sellers
OEMs · Dealers · Distributors · Rental Companies · Independent Equipment Sellers

Sell More Equipment with Financing Built for Construction.

Whether you're selling a $35,000 compact excavator or a $750,000 equipment package, FPG helps your sales team present financing earlier and keep the deal moving forward.

Financing should not be the thing your team reaches for after a customer says no. Used earlier in the sales process, it becomes a competitive advantage that helps buyers focus on the payment, preserve cash and get to yes faster.

Build My Financing ProgramCall a Financing Expert

Start your construction equipment financing program

Tell us what you sell and how your team quotes. We'll build the program around your sales process.

A real person from our partnership team will reach out directly.

Built to Keep Deals Moving

Financing that works at the speed of an equipment sale

Fast decisions matter, but speed alone is not enough. Dealers need flexibility, competitive structures and people who understand the equipment, the buyer and the transaction.

2–4 hrsMost credit decisions come back within hours, helping sales teams maintain momentum.
Direct + 25+FPG is a direct lender with access to 25+ strategic funding partners for more ways to get a deal done.
$350KApplication-only financing available up to $350,000, subject to credit approval.
Dedicated TeamReal people who understand construction assets, equipment sales and vendor programs.
The Dealer Perspective

Financing should help create the yes — not show up after the no.

Your priority is to move inventory, close faster and protect margin. When financing is treated as an afterthought, the customer may already be comparing another machine, another dealer or another way to spend their cash.

Move inventory faster

Presenting financing early gives buyers another way to evaluate the purchase and keeps more opportunities moving toward a decision.

Overcome payment objections

Shift the conversation from total purchase price to a monthly payment that can be compared with the revenue the equipment can produce.

Protect margin

Give customers structure and payment flexibility before discounting the machine becomes the easiest way to save the deal.

Keep customers from walking

More financing options reduce the chance of losing a buyer simply because the first credit path or payment structure did not fit.

Equipment We Finance

Built around the machines your customers need to put to work

FPG finances new and used construction equipment, attachments and multi-asset packages. We underwrite the buyer and understand that equipment age, hours, resale value and job requirements can all influence how a transaction should be structured.

Excavators & Mini Excavators
Wheel Loaders & Backhoe Loaders
Dozers & Motor Graders
Skid Steers & Compact Track Loaders
Telehandlers & Aerial Lifts
Paving & Compaction Equipment
Cranes & Lifting Equipment
Attachments & Multi-Asset Packages
Why Equipment Sellers Use FPG

One financing relationship. More ways to get the deal done.

FPG combines direct lending, in-house underwriting and a network of strategic funding partners. That gives your sales team more flexibility without forcing them to manage multiple lender relationships on every opportunity.

More flexibility without more complexity

  • Direct lending plus access to 25+ strategic funding partners
  • Structures for A, B and C credit profiles
  • Fast decisions on straightforward transactions
  • Support for larger, multi-asset and less conventional opportunities
  • A named finance team that works directly with your sales reps

People who understand the assets and the sale

Construction equipment deals are not generic business loans. The equipment, use case, transaction size and customer profile all matter. FPG's team works with sellers and buyers to structure the transaction around the equipment and the way the customer will use it.

Jon McBride
Jon McBrideSVP, Growth & Strategic Partnerships — Hard Assets
603.699.0740jmcbride@financialpc.com
Casey Goodell
Casey GoodellVP, Strategic Sales & Partner Development
603.422.8551cgoodell@financialpc.com
Kristopher Tozier
Kristopher TozierVP, Strategic Sales & Partner Development
603.519.9985ktozier@financialpc.com
Flexible Structures

Typical programs are not one-size-fits-all.

The right structure depends on the customer, the equipment and how the machine will generate revenue. FPG can structure the sale around the transaction instead of forcing every buyer into the same financing box.

Equipment Finance Agreements

Traditional EFA structures for customers that want predictable payments and ownership economics.

$1 Purchase Options

Fixed-term structures designed for customers who intend to own the equipment at the end of the term.

Residual Structures

Options that can reduce scheduled payments when a residual value makes sense for the asset and transaction.

Deferred Payments

Structures that can help a customer put equipment to work before regular payments begin.

Step & Seasonal Payments

Payment schedules aligned more closely with ramp-up periods, project cycles or seasonal revenue patterns.

RPO Conversions

Financing options for rental purchase situations when a customer decides to convert rented equipment into ownership.

New Equipment

Programs for new construction equipment, fleet additions and multi-asset packages.

Used Equipment

Financing for qualifying used equipment, including auction and private-party opportunities.

How It Works

From equipment quote to funded sale

Your sales team stays focused on the customer and the next machine instead of chasing financing paperwork.

1

Quote the Machine

Your rep builds the equipment proposal around the customer's need.

2

Present Financing

Introduce payment options early instead of waiting for a price objection.

3

Customer Applies

The buyer completes the branded application from a phone or desktop.

4

FPG Structures the Deal

We underwrite the opportunity and determine the best available structure.

5

Documents & Funding

FPG handles documents and funds the seller after delivery and acceptance.

6

Sell the Next Machine

Your reps stay focused on customers, inventory and the next opportunity.

The goal: make financing part of the sales motion without turning your sales team into a finance department.

Program Capabilities

Everything your team needs to use financing as a sales tool

FPG builds the program around your sales process and supports the tools, training and marketing needed to make financing easy to introduce.

Custom Program Design

A financing structure built around how you sell.

What it isRate tiers, terms and approval bands established with your team
You getA program that supports your margin and close rate
Your reps getSimple guidance for when and how to introduce financing

Co-Branded Financing Assets

Marketing support that helps make financing visible before the objection.

What it isFlyers, event collateral, co-branded emails and financing content for your website
You getAccess to our CMO for special co-branded marketing campaigns and financing content
Your reps getReady-to-use assets that make financing easier to introduce and promote

Sales & Quote Tools

Make monthly-payment selling easier for your team.

What it isBranded application, payment calculators and ROI tools hosted on FPG's website with your brand
You getTools that support payment-based selling without building technology internally
Your reps getA simple way to move from machine price to a financing conversation

Ongoing Enablement

A dedicated finance team that stays engaged after launch.

What it isDeal support, rep training, program reviews and co-branded collateral
You getVisibility and support across active financing opportunities
Your reps getSomeone to call when a live deal needs help
Payment-Based Selling

Help customers evaluate the payment, not just the price.

A monthly payment can make it easier for a contractor to compare the cost of the equipment with the work it will perform, the jobs it will support and the cash it can preserve.

Machine price36 months48 months60 months72 months
$150,000Example: compact or mid-size equipment package$4,736$3,698$3,078$2,667
$300,000Example: mid-size excavator or loader$9,471$7,395$6,156$5,334
$500,000Example: large dozer, wheel loader or package$15,785$12,325$10,260$8,890

Illustrative estimates only. Rates, terms and structures are subject to credit approval and may vary.

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Construction Equipment Financing FAQ

Questions equipment sellers ask

Why should our sales team introduce financing before a customer objects to price?
Introducing financing earlier gives the customer more ways to evaluate the purchase. Instead of discussing only total price, your rep can also frame the decision around monthly cash flow, preserved working capital and how quickly the equipment can be put to work.
What types of financing structures can FPG offer?
Depending on the transaction and credit profile, structures can include equipment finance agreements, $1 purchase options, residual structures, deferred payments, step payments, seasonal payments, RPO conversions and financing for new or used equipment.
How fast are decisions?
Most credit decisions come back in two to four hours. Larger equipment packages, unusual structures or more complex credit situations can require additional review.
What happens when a deal does not fit FPG's direct-lending box?
FPG also works with 25+ strategic funding partners. That gives the team additional ways to structure qualifying transactions without forcing the seller to manage separate lender relationships.
When does the seller get paid?
FPG funds your dealership in full on delivery and acceptance. The purchaser pays FPG based on the terms of the loan. You receive payment, and FPG ensures the loan is fulfilled.
Vendor Partner Result

Financing support that helps create more sales opportunities

30%reported increase in pipeline
“FPG has been instrumental in driving opportunities in our pipeline. Their strategic insights and tailored solutions increased our pipeline by 30%.”
— FPG Client | Vendor Partner

The value is not just access to capital. It is giving the sales team another tool to keep an opportunity moving when price, payment structure or credit flexibility could otherwise slow the deal down.

Build Your Financing Program

Turn financing into a competitive advantage for your sales team.

Whether you are an OEM, dealer, distributor, rental company or independent equipment seller, FPG can help you build a financing program designed to move equipment, keep deals moving and give customers more ways to say yes.

(603) 696-7076partners@financialpc.com

Start your vendor program

All financing is subject to credit approval. Rates, terms and payment examples shown on this page are illustrative and are not an offer or commitment to lend. Section 179 information is general and not tax advice; consult a qualified tax advisor.
Licensed California Finance Lender #60DBO-187413