If you're a contractor, septic hauler, or concrete pro with "currently" good-to-great credit scores and looking to finance new equipment, you've come to the right place. We've curated a list of financing options that align with the type of equipment we sell at BigTruckPartsUSA.com and ConcreteBreakerUSA.com (coming soon) and that work well with real-world business owners, not just perfect-credit customers.
I say "currently" because, in business, things change for many; what's not good today can be made better in time.
Below are our top-researched alternative lenders should you have higher credit scores and want more options based on your credit profile or financing needs:
Tier 1: Best Matches for Real-World Buyers
Ascentium Capital (Regions Bank)
- Why It's a Fit: Great with B-credit, contractors, and funds full equipment packages (trailers, blowers, pumps, etc.)
- Best For: Truck upgrades, septic systems, concrete breakers
- Website: ascentiumcapital.com
- Phone: 866-722-8500
2. Channel Partners Capital
- Why It's a Fit: Flexible with B/C credit, works with small and newer businesses. Fast decisions.
- Best For: Concrete pros, pump kits, side-gig haulers
- Website: channelpartnerscapital.com
- Phone: 952-746-7760
3. ENGS Commercial Finance
- Why It's a Fit: Specializes in transportation and construction industries. Offers bundled services like fuel cards.
- Best For: Vacuum trailers, mounted blower systems
- Website: engsfinance.com
- Phone: 800-680-3002
Tier 2: Good Options for A/B Credit or Smaller Deals
4. Navitas Credit Corp (United Community Bank)
- Why It's a Fit: App-only process up to $150K. Quick turnaround and good for fair credit borrowers.
- Best For: Pump kits, blower installs, gear upgrades
- Website: navitascredit.com
- Phone: 866-254-5628
5. Triton Capital
- Why It's a Fit: Handles $5K–$200K deals with fast online quotes and approvals.
- Best For: Mounted pumps, small-scale machines
- Website: tritoncapital.com
- Phone: 800-895-2274
Tier 3: For Strong A-Credit Buyers Only.
6. CIT | First Citizens Bank
- Why It's a Fit: Excellent rates, but only for top-tier credit profiles and large-ticket purchases.
- Best For: Fleet upgrades, high-value equipment
- Website: firstcitizens.com
- Phone: 866-777-0117
7. Bank of the West (BNP Paribas)
- Why It's a Fit: Great for stable, established businesses. Not ideal for startups or solo operators.
- Best For: Long-term leases, high-cap deals
- Website: bankofthewest.com
- Phone: 800-488-2265
Want to Apply?
If you're ready now about getting pre-approved or exploring monthly payment options, head to our Financing Page to open the New Lane Financing application page, click on any of the links to the banks, above and apply, or contact us directly for more information.
We're here to help you grow your business — not just sell you equipment and parts.