MTMFinancing

Your parter In Everyting Heavy Equipment

Schedule a free consultation with our team and let’s make deals happen. Fast approvals, flexible terms, and real support from people who know heavy equipment.

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What We Do

MTM Financing helps business owners access the equipment they need through flexible funding, clear education, and lender connections built for real-world operators — from tow trucks to excavators and beyond.

Transparent Partnerships

No hidden fees, no confusing terms—just financing partners you can trust.

Tools and Resources

Payment examples, checklists, and credit tips to make smarter decisions.

Industry Focused

We specialize in construction and trucking equipment—and what it takes to grow.

Blog Content

Guides, financing breakdowns, and startup tips in a growing library.

Our Mission is Simple

At MTM Financing, we’re more than just a funding source — we’re a strategic partner dedicated to helping small businesses in the construction and heavy equipment industries thrive. We understand the unique challenges these businesses face, from navigating seasonal cash flow to securing the right equipment at the right time. That’s why we’ve built a comprehensive resource hub designed to educate, equip, and empower business owners like you.

Our mission is simple: to provide practical tools, trustworthy insights, and accessible financing solutions tailored to construction-driven businesses. Whether you’re a contractor, operator, builder, or fleet manager, we aim to support your growth every step of the way.

Skid Steer

Skid Steer Financing

New: $40,000–$65,000
Used: $20,000–$35,000

Perfect for landscaping, construction, and tight urban jobsites. Flexible financing options available.

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Tow Truck

Tow Truck Financing

New: $75,000–$130,000
Used: $35,000–$85,000

Flatbeds, rollbacks, and wreckers — get approved fast with commercial lenders who know your industry.

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Dump Truck

Dump Truck Financing

New: $120,000–$180,000
Used: $45,000–$95,000

Haul more, earn more. We finance tri-axles, tandems, and single-axle dump trucks nationwide.

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Excavator

Excavator Financing

New: $100,000–$220,000
Used: $45,000–$120,000

Finance minis, mid-size, or full-size excavators. From site prep to heavy dig — we’ve got you covered.

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Industry Insights

Clear data to make smart financing decisions

Average Equipment Loan Rates

Compact Equipment ~6.5–7.0%
Construction Equipment ~7.0–7.5%
Bucket/Service Trucks ~6.8–7.2%

Illustrative 2025 averages. Actual offers depend on credit, time in business, down payment, and lender.

Latest Insights

Financing guides, rates, and lender strategies

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Why Choose MTM Financing?

15+ Lender Partners

Tap a wide network of commercial equipment lenders for competitive terms and faster approvals.

Built for Business Owners

Designed for contractors, truckers, and small operators nationwide with practical, no-nonsense workflows.

Secure Online Portal

Everything in one place—simple, fast, and secure.

  • Upload documents from phone or desktop
  • Track loan status in real time
  • Message our team in-app
  • E-sign and get instant notifications