Equipment Financing for Construction Contractors in Texas

Compare equipment financing options for construction contractors in Texas. Answer a few questions about your business and our funding partner's team will review which programs in our lender network may fit — no fee to request options.

One short form — about 2 minutes
No fee to request options
Reviewed by our funding partner's team (50+ lender programs)

Approval and terms are not guaranteed and depend on your business's qualifications.

Check your options

Step 1 of 3 — What do you need? Funding purpose Amount requested Funding type you're interested in How soon do you need funds?

Step 2 of 3 — About your business

Most lender programs look for 6+ months in business and $15,000+ in monthly revenue. Newer or smaller businesses can still submit; options may be more limited.

Legal business name Industry Business state Time in business Most programs require at least 6 months; SBA usually 2+ years. Average monthly revenue (gross deposits) Most programs look for $15,000+ per month. Estimated owner credit score Business bank account?

Step 3 of 3 — Where should your options go? First name Last name Business email Mobile phone I agree to the Terms and Privacy Policy and authorize Chief of Money to share the information I submit with our funding partner (named on our Disclosures page and in the call/text consent below) so it can review my request for business financing. By checking this box, I give my express written consent for Big Think Capital and Chief of Money to contact me about business financing at the phone number above, including by calls and text messages that may use automated technology or prerecorded/artificial voice. Consent is not a condition of any purchase or of submitting this form. Message and data rates may apply; message frequency varies. Reply STOP to opt out.

Submitting this form is not an application for credit with Chief of Money and does not affect your credit score. Our funding partner may request more information, including bank statements, and may perform credit checks with your permission.

How construction contractors in Texas use equipment financing

Excavators, skid steers and loaders
Work trucks and trailers
Upgrading aging equipment before a large contract

What lenders typically look at

Time in business	Startups sometimes considered; more options at 1+ year
Monthly revenue	Varies with equipment cost
Credit	Equipment often serves as collateral, which can help
Typical documents	Equipment quote/invoice, bank statements
Typical speed	Days to a few weeks

These are general industry ranges, not offers or guarantees. Actual requirements vary by lender and product.

Equipment Financing in Texas: things to know

Texas is one of the states with a commercial financing disclosure law, so for many offers the provider must give you a standardized disclosure of the total cost, payment terms and (for some products) an estimated APR before you sign. Read it and compare offers side by side. Equipment Financing terms, eligibility and availability vary by lender.

Frequently asked questions

Can construction contractors in Texas qualify for equipment financing?

Many can. Lenders mainly look at time in business, monthly revenue, existing debt and credit. Submitting the short form lets our funding partner's team review which programs may fit; approval is not guaranteed.

Does checking my options cost anything?

No. Chief of Money does not charge applicants. We may be compensated by our funding partner if your business is funded.

Will this affect my credit score?

Submitting this form does not pull your credit. If you move forward, the funding provider may ask for permission to check credit as part of underwriting.

What documents should I have ready?

Equipment quote/invoice, bank statements.

Related guides

Check your options