Get Competitive Terms and Rates for Crane Financing
Get Competitive Terms & Rates for Crane Financing
Practical structures for crane operators and heavy-lift contractors. New or used cranes & trucks, private party or vendor. We design around cash flow so you can scale safely.
Best-Fit Crane Financing with Liberty Capital
- Finance up to 120% of equipment cost (includes soft costs like tax, delivery, install)
- Application-Only up to $250,000 • Full financials up to $5,000,000
- Eligible for new or used cranes & trucks • Private seller or equipment vendor
- 12–84 month fixed payment terms
- $0 down for qualified borrowers • Competitive rates
- Sale-leaseback options for working capital
- No prepayment penalties • No age restriction on cranes
- Business credit: typically will not appear on personal credit reports
We finance fleets serving large developments—apartments, hotels, and high-rise projects—often with upgrade mandates and tight timelines.
Your Monthly Payment Financing Options
| Features | Business Term Loans | Equipment Leasing | Equipment Financing |
|---|---|---|---|
| Ownership Requirements | 50% | 100% | 100% |
| Initial Costs | $0 (origination fees) | Low to moderate | Varies |
| Payment Frequency | Monthly, Daily, Weekly | Monthly | Monthly |
| Credit Minimum | 550 | 600 | 650 |
| Funds Disbursement | Client | Vendor | Vendor |
| New/Used Equipment | n/a | Yes | Yes |
| Maximum Term | 24 months | 60 months | 60 months |
| Time in Business | 3+ years | Startup OK | Startup OK |
| Rate Environment | Moderate | Low | Low |
| Application-Only | $150K | $250K | $250K |
| Funding Time | Same Day | 1–3 days | 1–5 days |
Compare Business Loans, Equipment Financing & MCA
| Criteria | Business Loans | Equipment Finance | Merchant Cash Advance |
|---|---|---|---|
| Application-Only | Up to $150K | Up to $250K | Up to $250K |
| Underwriting Difficulty | Medium | Medium | Basic |
| Pre-Credit Docs | Application, tax returns, bank statements | Application, vendor invoice, bank statements | Application, bank statements |
| Credit Minimum | 650 | 600 | 500 |
| Time in Business | 2 years | Startup OK | 6 months |
| Min Monthly Revenue | $50,000 | Pre-revenue OK | $5,000 |
| Needed to Fund | Voided check, DL, proof of ownership | Vendor invoice, voided check, proof of ownership | Voided check, DL, proof of ownership |
| Maximum Term | 3–7 years | Up to 5 years | Up to 24 months |
Equipment finance generally wins on cost and structure for hard-asset purchases vs. MCA.
Choose EFA or Lease—Plus Current Specials
- $99 for the first 6 months — get started with just $99*
- 90-Day Deferred Payments — $0 due first three months
- Fast approvals: App-Only to $250,000; full financials above
- Off-balance-sheet options: FMV (10%)
- $1 Buyout leases available
- Terms from 12–84 months
- $0 Down available • 0% Security available
*Programs subject to credit approval and change. Security deposit/down payment/additional collateral may offset credit weaknesses.
Finance or Lease Your Cranes & Trucks
Equipment Financing
Spread the cost of high-ticket crane assets with fixed terms and ownership at maturity. Ideal when you want the equipment on the balance sheet and predictable amortization.
Equipment Leasing (FMV)
Off-balance-sheet structure with fixed payments. End-of-term options typically include 10% purchase, FMV buyout, return, or upgrade. Payments are generally fully deductible.
- Preserve cash flow and avoid large upfront costs
- Maintain newer fleets and reduce obsolescence risk
- Bundle install, delivery, and maintenance when applicable
Crane Truck Financing for Startups & Established Firms
Startup Credit Requirements (Typical)
- Active business license or registered entity
- Personal guarantees from all owners
- Minimum 600 credit score
- No bankruptcies in the last 7 years
- No unresolved tax liens
- ~20% down payment for startups
Cash flow is king—don’t use scarce working capital for fixed assets. Leverage equipment financing; there is no true “cash-out” market on paid-off equipment later.
Popular Crane & Boom Truck Manufacturers
- National Crane (Manitowoc): Telescoping & articulating truck-mounted cranes; durability & efficiency.
- Terex: Hydraulic truck cranes, utilities platforms; broad industrial applications.
- Grove (Manitowoc): Mobile cranes—AT/RT/truck-mounted; advanced tech & reliability.
- Link-Belt: Telescopic truck-mounted cranes; strength & precision for infrastructure jobs.
- Elliott: Truck-mounted aerials & cranes; safety and versatility for utilities & tree care.
Choose based on lift capacity, duty cycle, terrain, transport limits, and service network. Master lease lines available for staged fleet growth.
