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Built to Keep Deals Moving2–4 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 heavy equipment, equipment sales and vendor programs.
Financing that works at the speed of an equipment sale
Fast decisions matter when a contractor is working against a bid award, a mobilization date or a dig season that will not move. Speed alone is not enough — sellers also need flexible structures and people who understand the machine, the buyer and the work.
The Equipment Seller's Perspective
Financing should help create the yes — not show up after the no.
Your priority is to move machines, shorten the sales cycle and protect margin. When financing is treated as an afterthought, the contractor may already have decided to keep renting, buy an older machine at auction, drop the attachments or wait until next season.
Compare the payment to rental spend
A contractor renting an excavator month after month is already carrying the cost. A monthly payment turns a capital decision into a comparison against money they're spending today.
Keep the attachments on the quote
Presenting financing early keeps thumbs, buckets, breakers and couplers in the same deal instead of trimmed off one by one to hit a number.
Sell before the season starts
Contractors need machines on site when the job is awarded. Financing helps them commit in time to mobilize rather than after the window closes.
Protect margin
Give customers structure and payment flexibility before discounting the machine or giving away attachments becomes the easiest way to save the deal.
We Speak Earthmoving
Built around the machines that move the ground
FPG finances new and used excavators and earthmoving equipment, from a single compact machine to a multi-unit fleet. We underwrite the buyer and understand that machine type, hours, condition and resale value can all influence how a transaction should be structured.
Mini & Compact ExcavatorsMini and compact excavators for utility, landscape, residential and tight-access work.
Mid-Size & Large ExcavatorsCrawler excavators for site development, mass excavation, demolition and aggregate work.
Wheeled & Specialty ExcavatorsWheeled excavators, long-reach and material-handler configurations for roadwork, scrap and specialty applications.
DozersCrawler dozers from compact to large frames, including grade-control-ready configurations.
Wheel Loaders & BackhoesCompact and full-size wheel loaders and backhoe loaders for loading, trenching and site support.
Skid Steers & Compact Track LoadersSkid steers and CTLs, often on the same job — and the same deal — as the excavator.
Graders, Scrapers & CompactionMotor graders, scrapers, soil compactors and rollers for grading, road building and site prep.
Articulated Haulers & AttachmentsArticulated dump trucks, plus buckets, thumbs, breakers, couplers and machine control financed with the machine.
Selling a full spread to a site-work or road contractor? FPG can structure financing around the complete fleet rather than one machine at a time.
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, including owner-operators and growing contractors
- Fast decisions on straightforward transactions
- Support for multi-machine fleets and machine-plus-attachment packages
- A named finance team that works directly with your sales reps
People who understand the equipment and the sale
Earthmoving deals are not generic business financing. The machine, its hours, the attachments, the bid calendar and the contractor's backlog all matter. FPG's team works with sellers and buyers to structure the transaction around the equipment and the way the contractor will put it to work.
Your FPG excavator & earthmoving equipment finance team
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Jon McBrideSVP, Growth & Strategic Partnerships — Hard Assets
Casey GoodellVP, Strategic Sales & Partner Development
Kristopher TozierVP, Strategic Sales & Partner Development
Flexible Structures
Typical programs are not one-size-fits-all.
The right structure depends on the customer, the machine and when the work actually starts. FPG can structure the sale around the contractor's season and project calendar instead of forcing every buyer into the same payment pattern.
Equipment Finance Agreements
Traditional structures for customers that want predictable payments and ownership economics.
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 contractor mobilize and get the job underway before regular payments begin.
Seasonal Payments
Payment schedules that can be aligned with the building season and slower winter months.
Step Payments
Lower early payments that step up over the term, useful for contractors ramping into a new contract or territory.
Multi-Asset & Fleet Packages
One transaction covering excavators, dozers, loaders and attachments instead of separate paperwork for each machine.
New & Used Equipment
Financing for new machines and qualifying used equipment, including auction, off-rent and trade-in units.
Attachments, machine control systems, freight and delivery can be included alongside the machine, so customers can finance the complete working setup rather than the base unit alone.
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 Equipment
Your rep builds the proposal around the machine size, the attachments and the work the contractor needs to do.
2
Present Financing
Introduce payment options early instead of waiting for a cash flow 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 on delivery and acceptance.
6
Sell the Next Machine
Your reps stay focused on customers, fleet growth 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 — in the quote, at a demo day or on the jobsite.
Custom Program Design
A financing structure built around how you sell.
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.
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.
You getTools that support payment-based selling without building technology internally
Your reps getA simple way to move from project cost to a financing conversation
Ongoing Enablement
A dedicated finance team that stays engaged after launch.
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 machine price.
A contractor renting an excavator or dozer by the month already has a recurring cost. A monthly payment puts ownership in those same terms, alongside the jobs they can take on and the rental bills they stop paying.
| Equipment Investment | 36 Months | 48 Months | 60 Months | 72 Months |
|---|---|---|---|---|
| $75,000Example: mini excavator package with thumb and buckets, or a compact track loader | $2,368 | $1,849 | $1,539 | $1,334 |
| $250,000Example: mid-size crawler excavator or a mid-size dozer | $7,893 | $6,163 | $5,130 | $4,445 |
| $600,000Example: large excavator and dozer for a site-work spread | $18,942 | $14,790 | $12,312 | $10,668 |
Illustrative estimates only. Rates, terms and structures are subject to credit approval and may vary.
Excavator & Earthmoving Equipment Financing FAQ
Questions equipment sellers ask
Why should our sales team introduce financing before a customer raises a cash flow objection?
Introducing financing earlier gives the contractor more ways to evaluate the purchase. Instead of discussing only machine price, your rep can frame the decision around monthly cash flow and compare it against the rental bills the customer already pays.
Can attachments and machine control be financed with the excavator?
Yes. Buckets, thumbs, breakers, couplers and machine control systems can be included with the machine in a single transaction, which keeps attachments on the quote instead of trimmed off to hit a number. Amounts and structure are subject to credit approval.
Can a contractor finance several machines in one transaction?
Yes. An excavator, dozer, loader and attachments for the same contractor can be structured as a single transaction rather than separate paperwork for each machine.
Can payments be structured around the construction season?
Yes. Seasonal, step and deferred structures can align payments with the building season, slower winter months or a contractor's project calendar rather than spreading them evenly across twelve months. Availability depends on the transaction and credit approval.
Can FPG help owner-operators and newer contractors?
Often, yes. FPG is a direct lender with in-house underwriting and access to 25+ strategic funding partners, so A, B and C credit profiles can be placed. A thinner profile usually means a shorter term or a down payment rather than a decline.
Do you finance used, auction and off-rent machines?
Yes. FPG finances new and qualifying used earthmoving equipment, including auction, off-rent and trade-in units. Age, hours and condition typically affect the term rather than eligibility.
How fast are decisions?
Most credit decisions come back in two to four hours. Multi-machine fleets, larger transactions, 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 company in full on delivery and acceptance. The purchaser pays FPG based on the agreed terms. You receive payment, and FPG manages the financing from there.
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.
All financing is subject to credit approval. Terms and structures vary based on the customer and transaction. Payment examples shown on this page are illustrative and are not an offer or commitment to lend.