Flexible Financing for Equipment That Works as Hard as You Do

Apply in minutes and explore flexible financing options for your next equipment purchase. XG Equipment’s financing process connects you directly with our lending partner, where you can complete your application securely and review the financing options available to you. Financing terms and approval are based on factors such as credit history and lender requirements.

0% Financing Available Through Terrace Finance

Get 0% interest for up to 48 months on mini skids, excavators, and attachments. Financing is available up to $25,000 for qualified customers with a credit score of 680 or higher.

Financing pricing differs from the cash prices listed on our website. Contact XG Equipment for exact financing pricing and eligibility.

Keep Cash Flow Strong

Getting the right equipment shouldn’t slow your business down. That’s why XG Equipment works closely with our lending partners to offer fast, affordable financing options for mini skid steer loaders and heavy-duty attachments. Whether you’re purchasing one machine or outfitting your full fleet, we make it easy to get the tools you need—without the upfront burden.

  • Terms available from 12 to 72 months
  • Options for seasonal or deferred payments
  • Helps balance monthly expenses with growth goals
  • Avoids draining cash reserves or taking on costly short-term loans

Start Your Application Today

Choose the financing option that best matches your credit profile. Selecting a lender below will take you directly to that lender’s secure application portal. You’ll complete your application with the lender, and approval, rates, terms, and down-payment requirements will vary based on your credit profile and the lender’s requirements.

Terrace Finance logo

Terrace Finance

Recommended Credit Score:

600–800+

TrueCore Capital logo

TrueCore Capital

Recommended Credit Score:

620–800+

ClickLease logo

ClickLease

Recommended Credit Score:

550–700

Fast Approvals

Get approved in as little as 24 hours with a streamlined, no-hassle application process.

  • Most credit decisions returned within one business day
  • No long wait times or back-and-forth paperwork
  • Dedicated support to help guide the process
  • Perfect for growing businesses that need quick access to equipment

$0 Down Options

Qualified buyers may receive full financing with no money down.

  • Conserve capital for labor, materials, and operations
  • Financing available for both new and used equipment
  • Ideal for startup contractors or expanding fleets
  • Helps eliminate cash flow barriers for urgent projects

Application-Only Financing

Finance up to $500,000 with no financials required.

  • Simplified process for small to mid-size purchases
  • No need to submit bank statements or business plans
  • Great option for businesses that prefer speed over paperwork
  • Available for most established businesses with approved credit

Large Purchase Flexibility

Get up to $5 million in financing for major equipment orders.

  • Ideal for contractors expanding into larger job scopes
  • Tailored solutions for multi-unit equipment purchases
  • Longer terms and structured payments available
  • Work directly with your dedicated lending team to customize a plan

Ready to Apply?

Click below to get started with a simple online application through our financing partners. Have questions before applying? Contact our team—we’re happy to walk you through the process.