How It Works Equipment Programs Calculator ROI Tool FAQ Qualify Apply Now
Construction & Automation Equipment Financing — Southern California & Nationwide

Construction, Automation & Heavy Equipment Financing for Small Businesses — Fast Approvals

RigFi Capital connects small and mid-size businesses in the Inland Empire, Port of LA/Long Beach, and nationwide to competitive equipment financing — excavators, industrial robots, warehouse automation, forklifts, semi trucks, and more. Honest terms, no upfront fees, no runaround.

Get Pre-Qualified — Free View Financing Programs
$5M+
Max Financing
48 Hr
Credit Decision
Why Businesses Choose Us
No Upfront Fees
New & Used Equipment
Startups Welcome
All Credit Profiles Considered
Terms 12–84 Months
100% Equipment Cost Covered
The Process

How Construction & Automation Equipment Financing Works

We handle the lender shopping so you don't have to. Our brokers submit your file to the right lenders the first time.

01
📋
Submit Your Application
Complete a one-page application online or by phone. We collect your business info, desired equipment, and financing amount.
02
🔍
We Shop Your File
Your RigFi advisor matches your profile to lenders in our network who specialize in your industry and credit tier.
03
📄
Review Your Options
We present you with real offers — rate, term, and payment. No hidden fees. You choose the deal that works for your business.
04
🚛
Get Funded & Equipment
Lender funds directly to the seller. You take delivery and get back to work. Most deals fund within 2–5 business days of approval.
Equipment We Finance

Construction, Automation & Heavy Equipment Financing in California

We work with businesses across the full spectrum of heavy and industrial equipment — new, used, and private party purchases.

🏗️
Construction Equipment
Ground-up builds, site prep, and earthmoving. Finance the machine, not the job.
Excavator Bulldozer Skid Steer Motor Grader Backhoe
🏗
Cranes & Lifting Equipment
Mobile, tower, and boom cranes for contractors and specialty subcontractors.
Mobile Crane Boom Lift Telehandler Aerial Lift
🤖
Industrial Robots & Arms
Articulated and collaborative robots for manufacturing, assembly, welding, and precision handling operations.
Robotic Arms Cobots Welding Robots Pick & Place CNC Automation
📦
Warehouse Automation
Conveyor systems, sorting equipment, and automated storage and retrieval systems for distribution and fulfillment operations.
Conveyor Systems Sorters AS/RS Pallet Wrappers Bagging Systems
🏭
Forklifts & Material Handling
Electric, propane, and automated guided vehicles for warehouse, distribution, and manufacturing environments.
Electric Forklifts Reach Trucks AGVs Pallet Jacks Order Pickers
🚜
Agricultural Automation
Precision agriculture equipment including autonomous machines, drones, and smart harvesting systems that reduce labor and increase yield.
Ag Drones Auto-Harvesters GPS Guidance Irrigation Systems Seeding Robots
Trucking & Transport
🚛
Semi Trucks & Tractors
Over-the-road and regional haul. Sleeper cabs, day cabs, owner-operators, and fleets of all sizes.
Class 8 Sleeper Cab Day Cab Dump Truck Flatbed
🚚
Trailers & Attachments
Standalone trailer financing and attachments to go with any tractor or piece of equipment.
Flatbed Trailer Reefer Step Deck Lowboy Tanker
🔧
Specialty & Fleet Vehicles
Service trucks, vac trucks, water tankers, and specialty vehicles for niche contractors.
Vacuum Truck Water Tanker Service Truck Mechanic Truck
🌱
Agricultural & Utility
Tractors, combines, and utility equipment for agricultural and landscape operations.
Tractor Combine Sprayer Utility Loader
Financing Programs

Equipment Loan & Lease Programs for Every Credit Profile

Not every business looks the same on paper. We match you to a program that fits your credit profile and cash flow goals.

Standard Equipment Loan
Best for established businesses with solid credit
  • Credit scores from 650+
  • 2+ years in business preferred
  • Rates from 6–12% APR (market dependent)
  • Terms: 24–84 months
  • Up to 100% equipment cost financed
  • Minimal documentation required
Most Popular
Equipment Lease
Lower payments, flexibility at end of term
  • $1 buyout or fair market value at term end
  • Preserve working capital and credit lines
  • Potential tax advantages (consult your CPA)
  • Terms: 24–60 months
  • New and used equipment
  • Fixed monthly payments — no surprises
Credit Challenged / Startup
Built for newer businesses or bruised credit
  • Credit scores from 500+
  • Startups with 0–24 months in business
  • Higher down payment may be required (10–20%)
  • Terms: 24–60 months
  • Build business credit over time
  • Speciality lenders who understand your story
Payment Estimator

Estimate Your Monthly Payment

Adjust the sliders to see a real-time estimate. Actual rates depend on your credit profile, equipment type, and lender terms.

$10K$1M
0%30%
5%25%
12 mo84 mo
Your Estimated Payment
Estimated Monthly Payment
$2,738
per month for 60 months
Equipment Cost $150,000
Down Payment $15,000
Amount Financed $135,000
Interest Rate 8.0%
Total Interest Paid $29,280
Total Cost of Financing $164,280

This is an estimate only. Actual payments, rates, and terms are determined by lenders based on your full credit profile and equipment type. No commitment to lend is implied.

Get My Actual Rate — Apply Free
ROI Calculator

Will This Equipment Make You Money?

Model your real-world profitability — enter your revenue, costs, and financing terms to see break-even, lifetime ROI, and year-by-year profit.

Quick Start — Select Equipment Type
Equipment & Financing
Monthly Revenue & Costs
30% Slow70% Avg100% Max
Monthly Payment
Total Interest Paid
Total Cost of Equip
incl. down + interest
Break-Even
Monthly Cash Flow (During Financing)
Year-by-Year Profit
During financing After payoff Loss
Cumulative Net Profit
What this does NOT include: taxes, depreciation/Section 179 deductions, driver wages (if not owner-operated), permits & registration, downtime for repairs, seasonal revenue fluctuations, or residual/resale value. Real-world results will vary. This is a simplified estimate — not financial advice. Consult your accountant for tax implications.
Why RigFi Capital

Construction & Automation Finance Broker — Working for You, Not the Bank

As a financing broker, we're not tied to one lender. Our only job is to find you the best deal on construction, automation, and heavy equipment financing.

01
Access to a Broad Lender Network
One application reaches our entire lender network. We know which lenders fund which industries, credit tiers, and equipment types — saving you time and hard credit inquiries.
02
No Upfront Fees. Ever.
We're compensated by the lender when a deal closes. You pay nothing to apply, nothing to shop, and nothing until you're funded and satisfied.
03
Industry Specialists
Our advisors have direct experience in trucking and construction finance. We speak your language and understand the unique challenges of your business.
04
Transparent Process
We explain every offer in plain English — total cost, rate, term, and payment. No jargon, no pressure, no bait-and-switch.
Our Lender Network Includes
National Banks Regional Banks Credit Unions CDFI Lenders SBA Lenders Equipment Captives Private Lenders Alt Lenders
Industries Served
General Contracting Excavation & Earthmoving Warehousing & Distribution Manufacturing E-Commerce Fulfillment Demolition Paving & Concrete Freight & Logistics Oilfield Services Agriculture Utilities Landscaping
Qualification Guide

What Lenders Look At

Here's what to expect. Every situation is different — if you're not sure where you stand, just call us.

Time in Business 2+ years preferred. Startups (0–24 mo) accepted with larger down payment.
Credit Score 650+ for best rates. 500–649 considered with additional requirements.
Down Payment 0–10% for strong profiles. 10–25% for challenged credit or startups.
Annual Revenue Varies by lender and loan size. Some programs are cash-flow based.
Equipment Age New and used accepted. Some lenders cap equipment age at 10–15 years.
Collateral The financed equipment typically serves as collateral. No additional collateral required in most cases.

These are general guidelines. Approvals depend on the full picture of your business — we present your file in the best light possible to the right lenders.

Apply Now

Start Your Application

Takes 5 minutes. No obligation. Soft credit pull to start — won't affect your score.

By submitting, you consent to being contacted by a RigFi Capital advisor. We do not sell your information.

FAQ

Common Questions, Straight Answers

Still have questions? Call us directly — you'll reach a real advisor, not a call center.

📞 Call Us Now
We start with a soft credit pull only — this has zero impact on your credit score. A hard inquiry only occurs later in the process, at the point of formal lender approval, and only with your consent. You can get a full pre-qualification and see real offers without any impact to your credit.
Nothing. There are no application fees, no broker fees, and no upfront costs of any kind. We are compensated by the lender when a deal successfully closes — meaning our interests are fully aligned with yours. If you don't get funded, we don't get paid.
Most deals fund within 2–5 business days of final lender approval. Credit decisions typically come back within 24–48 hours of a complete application. Simpler deals with strong credit profiles can move faster — some fund in as little as 24 hours from approval.
We work with lenders across the full credit spectrum. 500+ is our general minimum, though the best rates go to borrowers at 650 and above. If your score is below 600, we'll match you with specialty lenders who focus on credit-challenged borrowers — typically with a larger down payment requirement of 10–20%.
Yes. We finance both new and used equipment, including private party purchases. Most lenders we work with accept used equipment up to 10–15 years old, depending on equipment type and condition. Older equipment may require a higher down payment or shorter term.
Yes — startups are accepted. We have lenders who specifically work with businesses under 2 years old, including brand new LLCs. Requirements vary: you'll generally need a solid personal credit score, a down payment of 10–20%, and in some cases a personal guarantee. It's harder than established businesses, but it's very doable.
With an equipment loan, you own the equipment from day one and build equity. With an equipment lease, you make lower monthly payments and either return the equipment or buy it out at the end of the term (typically $1 buyout or fair market value). Leases can preserve working capital and may offer tax advantages — consult your CPA for your specific situation.
For deals under $150,000, many lenders offer app-only approvals — just your basic business information and a credit pull, no financials required. For larger deals or more complex credit profiles, lenders may request 2–3 months of bank statements, business tax returns, and/or a driver's license and voided check. We'll tell you exactly what's needed once we review your file.
No — we finance equipment nationwide. We have deep roots in Southern California, particularly the Inland Empire and the Port of LA/Long Beach corridor, but our lender network operates across all 50 states. Wherever the equipment is and wherever your business operates, we can help.
Ready to Get Started?

Questions? Talk to a Real Advisor

No automated chat bots. No call centers. When you call RigFi Capital, you reach an actual equipment finance specialist who will review your situation on the spot.

📞 Call (800) 555-0100 Apply Online