Equipment Financing for Construction Businesses in New York
Construction in New York is won and lost on equipment availability. The right machine at the right time turns a bid into a booked job. SMB Capital Funding finances excavators, lifts, mixers, and other job-site equipment — with underwriting based on your revenue, not just a credit score.
SMB Capital Funding is a direct lender — we underwrite and fund in-house, with no brokers and no middlemen. Programs range from working capital and revenue-based financing to equipment loans and merchant cash advances, with capacity up to $20 million. If your Construction business in New York has consistent monthly deposits, you likely qualify — regardless of credit history.
Common cash flow pressures for Construction owners
- You need a skid steer for a 90-day commercial job. Renting is eating your margin. Owning makes more sense — but the purchase is $45K.
- Your excavator needs a hydraulic repair. The estimate is $12K. The next draw isn't until completion — six weeks out.
- You won a bid that requires specific equipment you don't own. The project starts in 30 days.
- Your competitor just bought a new concrete mixer and is underbidding you on jobs that require one.
- Bonding and equipment certification renewal both hit this quarter. You need capital to cover the equipment certification.
What Equipment Financing from SMB Capital Funding covers
- Preserve cash flow — spread equipment cost over time
- Finance new or used equipment
- Approvals based on business revenue, not collateral alone
- Fast decisions — as little as 24 hours for qualified applicants
- Funding up to $20M
Banks typically require two or more years in business, strong personal credit, and weeks of documentation review. SMB Capital Funding underwrites on your revenue history — three months of bank statements is usually enough to get a real answer.
Whether you're operating in New York City, Buffalo, or Rochester, or anywhere else in New York, SMB Capital Funding funds Construction businesses statewide — decisions based on your revenue, not your zip code.
Ready to move forward?
Fill out the form above or call us directly. No obligation. All credit profiles considered.
Get Equipment Financing →Questions Construction owners ask us
Can I finance used heavy equipment, not just new?
Yes. New and used equipment both qualify. Equipment up to 20 years old may be eligible — age, hours, and condition are reviewed by a specialist.
I own a piece of equipment outright. Can I cash out against it?
If you own titled equipment with no existing lien, you may qualify for up to approximately 50% of its value as working capital — subject to underwriting review.
I need the equipment in the next two weeks to start a job. Can you move that fast?
Same-day decisions are available for qualified applicants. Many contractors receive funds within 24–48 hours.
My revenue is project-based — not consistent month to month. Does that disqualify me?
Project-based revenue is common in construction. We look at your 3-month deposit history, not just your most recent month.
Do I need to put up real estate as collateral?
Most equipment financing programs use the financed equipment as the primary collateral. Hard real estate liens are not required for most programs.
Funding Options for Construction Businesses in New York
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SMB Capital Funding is a DBA of CHC Capital Group. All funding products are subject to underwriting approval. Rates, terms, and availability vary based on business revenue, time in business, and creditworthiness. Funding as fast as same day is available for qualified applicants only and is not guaranteed. Not available in all states. This is not an offer of credit.