Built for Site Prep & Utilities Equipment Sellers
Manufacturers · Dealers · Distributors · Trencher & HDD Dealers · Vacuum Excavator Providers · Compact Equipment Sellers
Sell More Equipment with Financing Built for Site Prep & Utility Work.
From trenchers and directional drills to vacuum excavators, mini excavators and compact track loaders, FPG helps your sales team put a monthly payment in front of contractors before price stalls the deal.
Utility and site work is won on bids and paid on progress. Financing gives contractors a way to add capacity for the next contract while keeping cash available for labor, fuel and the gap between invoice and payment.
Start your site prep and utilities equipment financing program
Tell us what equipment you sell and how your sales team works with customers. We’ll build the program around your sales process.
A real person from our partnership team will reach out directly.
Built to Keep Equipment Sales MovingFastResponsive support helps your sales team maintain momentum when customers are ready to move. Direct & 25+FPG is a direct lender with access to 25+ strategic funding partners, giving your team more ways to structure qualifying opportunities. FlexibleDifferent equipment, customers and operating cycles call for different approaches. DedicatedReal people who understand hard assets, equipment sales and the importance of keeping the process moving.
Financing that keeps pace with equipment-driven businesses
When a contractor wins a utility contract, replaces an aging machine or adds units for a bigger season, your team needs a financing partner that is available and ready to help.
The Site Prep & Utilities Equipment Seller Perspective
Your customer just won the bid and needs the machine to do the work.
For an excavation, utility or underground contractor, equipment decides which contracts they can take on. A new drill, trencher or vacuum excavator can open fiber, water, gas and electric work the business could not bid before.
That makes financing a practical sales tool, not just a response when price becomes a problem.
Equip for the contract
Help customers add the capability a new utility or site contract requires without waiting on a capital budget.
Turn rental spend into ownership
Give buyers a way to compare a monthly payment with what they spend renting the same machine job after job.
Preserve business cash
Help customers keep capital available for payroll, fuel, materials and the wait between progress billing and payment.
Keep the package whole
Finance the machine with its trailer, tooling and attachments so an order is not cut back to fit a cash budget.
Equipment We Finance
Built around the machines your customers put in the ground
FPG finances site prep and utility equipment from a single trencher to a full drill and vacuum excavator package. We underwrite the buyer and understand that equipment type, hours, condition, attachments and resale value can all influence how a transaction should be structured.
TrenchersRide-on, walk-behind, chain, wheel and micro-trenchers for fiber, electric and irrigation work.
Directional Drills & HDDHorizontal directional drilling rigs, mud and fluid systems, locating equipment and tooling.
Vacuum Excavators & HydrovacsTruck and trailer-mounted vacuum excavators and hydrovacs for potholing and work near buried utilities.
Mini Excavators & Compact Track LoadersMini and compact excavators, compact track loaders and skid steers that handle most site prep work.
Pipe & Cable InstallationPipe layers, vibratory plows, cable plows, reel trailers and pulling equipment for underground installation.
Land Clearing & GradingMulching heads, brush cutters, dozers and grading attachments for clearing and preparing a site.
Utility Tractors & Tool CarriersCompact utility tractors and multi-tool carriers sold with augers, breakers and other attachments.
Used Equipment & PackagesQualifying pre-owned site equipment, plus machine, trailer and attachment packages sold together.
Selling an HDD package with a vacuum excavator and trailer, a multi-machine order or equipment for a contractor moving into utility work? FPG can structure financing around the whole order rather than one unit at a time.
Why Site Prep & Utilities 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 growing contractors
- Application-only approvals up to $350,000
- Support for single machines, multi-machine packages and new and used equipment
- A named finance team that works directly with your sales reps
People who understand the equipment and the sale
Site prep and utility deals are not generic business financing. Machines are bought to win specific contracts, run hard in the ground, and sold to contractors who are growing faster than their balance sheets. FPG’s team works with sellers and buyers to structure the transaction around the equipment and the work it will do.
More than capital. A true partnership.
Your FPG site prep & utilities equipment finance team
.png)
Jon McBrideSVP, Growth & Strategic Partnerships — Hard Assets
Casey GoodellVP, Strategic Sales & Partner Development
Kristopher TozierVP, Strategic Sales & Partner Development
Flexible Structures
Financing that can adapt to how your customers work
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.
Rental Conversions
Structures for contractors who decide to own the machines they have been renting rather than keep paying job after job.
Deferred Payments
Structures that can help a qualifying customer put a machine to work on a new contract before regular payments begin.
Seasonal & Step Payments
Payment structures that may better align with construction seasons or the ramp-up of a new contract.
Equipment Packages
Machines, trailers, tooling and attachments financed together in a single transaction.
New & Used Equipment
Financing for qualifying new and pre-owned site prep and utility equipment.
Availability of each structure depends on the equipment, the customer and credit approval.
How It Works
From equipment quote to financed sale
1
Quote the Equipment
Your rep builds the proposal around the machine, tooling and contract the customer needs it for.
2
Present Financing
Introduce financing while the customer is evaluating the equipment—not after price becomes an obstacle.
3
Customer Applies
The customer completes the financing application.
4
FPG Reviews the Opportunity
We evaluate the customer, equipment and transaction and determine available financing structures.
5
Documentation Moves Forward
FPG coordinates the financing documentation and keeps the parties informed.
6
Sell the Next Machine
Your team returns its attention to customers, equipment and the next opportunity.
Your sales team sells equipment. FPG helps handle the financing behind it.
Program Capabilities
Give your reps the tools to introduce financing with confidence
Custom Program Design
A financing approach built around your equipment and sales process.
You getA program tailored to the way your team sells.
Your reps getSimple guidance for introducing financing.
Co-Branded Financing Assets
Financing materials developed to support your brand and customers.
You getCampaign and sales-support resources.
Your reps getReady-to-use content for customer conversations.
Sales & Quote Tools
Resources that support monthly-payment selling.
You getFinancing that fits more naturally into your sales motion.
Your reps getAn easier transition from equipment price to payment.
Ongoing Enablement
Continued access to an experienced financing team.
You getSupport across program and opportunity needs.
Your reps getSomeone to call when the opportunity needs extra attention.
Payment-Based Selling
Help customers connect the payment to the contracts the machine can win.
For site prep and utility contractors, equipment is tied directly to the work they can bid. A monthly payment gives customers a clear way to weigh the investment against contract revenue, while preserving cash for payroll, fuel, materials and day-to-day operations.
| Equipment Investment | 36 Months | 48 Months | 60 Months | 72 Months |
|---|---|---|---|---|
| $60,000Ride-on trencher, mini excavator or compact track loader with attachments | $1,894 | $1,479 | $1,231 | $1,067 |
| $175,000Trailer-mounted vacuum excavator, compact HDD rig or multi-machine package | $5,525 | $4,314 | $3,591 | $3,112 |
| $450,000Mid-size HDD package with fluid system, truck-mounted hydrovac or full utility spread | $14,207 | $11,093 | $9,234 | $8,001 |
Illustrative estimates only. Rates, terms and structures are subject to credit approval and may vary.
Site Prep & Utilities Equipment Financing FAQ
Questions equipment sellers ask
Why should our sales team introduce financing before a customer objects to price?
Presenting a monthly payment with the quote lets the customer weigh the machine against the contracts it can win before the total price becomes the main obstacle.
Can a drill, vacuum excavator and trailer be financed together?
Yes. Machines, trailers, tooling and attachments can be financed together under a single transaction, subject to credit approval.
Can payments follow the construction season?
Often, yes. Seasonal, step and deferred structures can align payments with busier periods or the start of a new contract. Availability depends on the transaction and credit approval.
Can contractors convert rented equipment to ownership?
Yes. Rental conversion structures can help a contractor own machines they have been renting. Availability depends on the equipment and the transaction.
Do you finance used site prep and utility equipment?
Yes. FPG finances new and qualifying used equipment, including pre-owned trenchers, drills and compact machines. Age, hours, condition and resale value typically affect the term rather than eligibility.
How fast are decisions?
Most credit decisions come back in two to four hours. Larger 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 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.
Looking for working capital?
Working capital is a separate FPG product from equipment financing. Learn about FPG working capital
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 shrink the order or leave a contractor passing on the next bid.
Build Your Financing Program
Help your customers win the next contract.
Whether you sell trenchers, directional drills, vacuum excavators or compact equipment, FPG can help you build a financing program that supports your sales team and gives contractors more ways to move forward.
Real people. Real expertise. Real growth.
Start your site prep and utilities equipment financing program
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.