For contractors buying heavy equipment

Need A Machine Financed? Get Fast Approvals And Competitive Rates.

iLex Funding Group finances excavators, dozers, loaders and more for contractors. New or used, from a dealer, an auction or a private seller, matched with a lender that fits the machine and your business.

Answering doesn't pull your creditNine questionsFrom $50,000

Heavy equipment onlyNew and usedDealer, auction or private sale
$50K+
Excavators, dozers, loaders and more
2 min
To apply, without a credit pull
1 min
To a call back with Talk Now
—
Days left to get a machine working in 2026
01

Why the dealer and the bank say no

The dealer finances its own new machines. The bank takes weeks.

01

The dealer's 0% is narrow

It covers new machines of one brand, often in stock only. A used machine, another brand or an auction buy falls outside it.

02

The 0% payment can be too high

Big machines get short 0% terms: $180,000 over 36 months is $5,000 a month. A longer term can fit the work you've got booked.

03

The bank wants weeks

Paperwork from you and from the seller, then a wait. Meanwhile someone else is looking at the same machine.

02

How it works

From the machine you found to the machine working.

Nine questions, one call, and a lender that fits the machine, the price and your business.

  1. 01Two minutes

    Tell us the machine

    What you're buying, roughly what it costs, and a few questions about your business. Answering doesn't pull your credit.

  2. 02About a minute

    Talk to Jeff

    Choose Talk Now and we call you straight away, or pick a time that suits you.

  3. 03Next

    Matched with a lender

    Your deal goes to a lender in our network that fits the machine, the price and your business.

  4. 04Then

    Get it working

    You sign, the seller gets paid, and the machine goes to work.

Buying before year-end

—days left in the year

To count for 2026, it has to be working by December 31.

Under federal Section 179, new, used and financed machines may qualify, in the year they're placed in service. Banks can take weeks, so start now while there's time to get the machine on site.

New and used may qualifyFinanced machines tooIn service by December 31

Federal rules. State rules differ, and California doesn't follow the federal limits. Whether your purchase qualifies depends on your business, so ask your tax professional.

03

Questions

Straight answers before you apply.

The dealer offered me 0%. Should I take it?

If you qualify and the payment works, take it. It's hard to beat. We help when it doesn't fit: a used machine or another brand the offer doesn't cover, a 0% term so short the payment is too high, or a dealer who said no.

It's used, or I found it at auction. Can you finance it?

Yes. New or used, from a dealer, an auction or a private seller. Tell us the machine and roughly what it costs.

Will this hit my credit?

Answering our questions doesn't pull your credit. If you decide to go ahead, the lender reviews your credit then.

My credit isn't perfect. Is that a problem?

Tell us roughly where it sits. We'll tell you straight whether we have a lender for it, before anyone looks at your file.

How much do I need to put down?

It depends on the machine, the price and your business. Reduced or no-down-payment programs may be available.

How long does it take?

The questions take about two minutes. After that it depends on the lender and the deal. If you're buying for year-end, start now so there's time to get the machine working before December 31.

See what you qualify for before December 31.

Nine questions, about two minutes. If it's a fit, we'll call you straight away or at a time you choose.

Answering doesn't pull your credit.