Financing2026-11-05T11:34:00-05:00

Commercial Equipment Financing

The right machine can pay for itself, but buying it outright can tie up cash you need elsewhere. That’s why we work with three trusted lenders to offer personal and business financing on skid steers, mini excavators, and skid steer attachments.

Vibrant Lending

Personal Financing

A great option for individual buyers, with personal equipment financing rates starting at 6%.

  • 660+ Credit score required
  • Terms up to 120 months ($15,000+)
  • No early payoff penalty
  • Quick Online Application
  • First payment not due for 30 days
  • Pre-qualifications up to $100,000

Geneva Capital

Business Financing

Built for business buyers, Geneva Capital keeps the financing process simple and straightforward.

  • 630+ Credit score recommended
  • Competitive business financing rates
  • Quick rep response time
  • Start-up friendly (recommend 2+ years in business for a better rate)
  • Experts can tailor your financing needs

Western Equipment Finance

Business Financing

Our exclusive 0% partner. Qualifying businesses can get 0% financing for 12 months on eligible machine attachments.

  • 675+ Credit score required
  • Business financing only
  • For Qualifying machine attachments only
  • Quick Online Application
  • 0% for 12 months with approved credit
  • $5,000+ minimum loan amount

Why Finance Your Equipment

Financing gets your equipment working on the job right away while spreading the cost over predictable monthly payments.

Lower Upfront Cost

Orders over $5,000 qualify, which means you can keep cash on hand for payroll, fuel, and day-to-day costs.

Flexible Terms

You can pick terms that fit your cash flow, including the busy and slow seasons.

One Monthly Payment

Your machine, qualifying skid steer attachments, and freight can all be rolled into one monthly payment.

Possible Tax Savings

Section 179 may let you deduct eligible equipment purchases in the current tax year. It’s worth a quick conversation with your accountant.

How Financing Works

Getting approved and getting your equipment is a simple four-step process.

Step 1: Choose Your Equipment

Browse our catalog online, or call our Stallings, North Carolina team. We’ll help you put together a package, like a mini excavator with the attachments you need.

Step 2: Apply Online

Click the financing link on any eligible product page, or use one of the partner links above. It’s a quick online form.

Step 3: Review and Sign

Once you’re approved, look over your payment schedule and sign the agreement.

Step 4: Ship or Pick Up

We’ll ship your equipment straight to your job site, or you can pick it up at our shop.

Financing Frequently Asked Questions

What payment methods do you accept?2026-11-05T11:29:03-05:00

We accept major credit cards through a secure, bank-connected checkout. Prefer another option? Choose Contact Office at checkout, and we’ll set up wire transfer, ACH, or another payment method with you.

How do I pay by wire transfer, ACH, or check?2026-11-05T11:29:14-05:00

Select Contact Office at checkout. We’ll send payment details and confirm your order once payment is arranged. You can also call (704) 307-1255.

Is your checkout secure?2026-11-05T11:29:25-05:00

Yes. Payments run through a secure gateway with fraud screening and verification.

Do you charge sales tax?2026-11-05T11:29:37-05:00

We calculate applicable sales tax at checkout. The local rate for Union County is 6.75%.

Do you offer financing?2026-11-05T11:29:46-05:00

Yes. Equipment purchases over $5,000 qualify, and our lending partners offer both personal and business options.

What purchases qualify for financing?2026-11-05T11:29:57-05:00

Any single machine or equipment order of $5,000 or more. Look for the financing estimate button on eligible product pages.

How do I apply?2026-11-05T11:30:07-05:00

Visit our Financing page to compare partners and requirements, then use the finance link button to apply. We can also work with your own bank or lender.

How fast are financing decisions?2026-11-05T11:30:22-05:00

Most online applications get a decision within a few hours to one business day, so your project can stay on track.

Ready to Finance Your Next Machine?

Estimate your monthly payment on any qualifying product page. Prefer to talk it through? Call us at (704) 307-1255, and we’ll help with a custom quote.

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