Construction Equipment Financing in Florida
Finance excavators, cranes, concrete equipment, dump trucks, and all construction machinery throughout Florida. $50,000 to $5M, terms up to 84 months, 90% approval rate. Aberdeen Financial Group LLC — since 2004.
How much funding does your business require?
No hard credit inquiry required for this assessment; your credit score will not be affected.
Florida's Construction Boom Requires Equipment That Can Keep Pace
Florida enters 2026 as one of the hottest construction markets in the United States — and the numbers support it. The state's construction sector is projected to grow 8.2% through 2026, well above the national average. Nearly 467,000 new residents moved to Florida in 2025 alone, pushing the population toward 24 million people and generating sustained demand for housing, infrastructure, commercial space, and industrial facilities that shows no sign of slowing. FDOT's FY 2025-26 Work Program is $13.7 billion — one of the largest state transportation investment programs in the country — reinforcing multi-year demand for heavy civil contractors across the state.
For Florida contractors, this environment creates opportunity. But opportunity has a price — and that price is equipment. A contractor who cannot put the right machinery on the job cannot bid the right jobs, cannot win the contracts that are driving this growth, and cannot scale to meet a market that is actively expanding faster than available capacity.
Aberdeen Financial Group LLC has been financing construction equipment for Florida contractors since 2004. We are private equity-backed, maintain a nationwide lender network, and carry a 90% approval rate built on evaluating contractors on their actual performance — not on rigid bank formulas that penalize the revenue volatility, thin business credit, and time-in-business thresholds that construction businesses commonly encounter.
We finance construction equipment from $50,000 to $5 million — new and used, from dealers and private sellers — throughout all 67 Florida counties, with terms up to 84 months. Learn more about our equipment leasing programs →
Construction Equipment We Finance in Florida
Excavation and Earthwork Equipment
Excavators, bulldozers, graders, scrapers, and trenching equipment are the foundation of every ground-up construction project. Whether you are a site prep contractor working subdivisions in St. Johns County, a utility contractor installing infrastructure in Hillsborough County, or a heavy civil contractor working FDOT highway projects, Aberdeen finances the earthwork equipment your crews need to produce.
Lifting and Material Handling Equipment
Cranes — from rough terrain units to tower cranes — aerial lifts, boom lifts, scissor lifts, and telehandlers are essential on commercial, industrial, and high-rise residential projects throughout Florida's major metros. Aberdeen finances both equipment purchases and lease structures for lifting equipment across every project type.
Concrete Equipment
Concrete mixers, concrete pumps, placing booms, batch plants, slip form pavers, and concrete finishing equipment. Florida's construction pipeline — from infrastructure to tilt-wall industrial to cast-in-place high-rise — runs on concrete. Aberdeen finances concrete equipment for contractors at every scale from single-mixer operators to multi-fleet concrete contractors.
Trucks and Hauling Equipment
Dump trucks, tandem axle trucks, tri-axle trucks, transfer trucks, flatbeds, lowboys, and equipment trailers. The movement of material on and off Florida's job sites is a logistics operation that requires a reliable, current fleet. Aberdeen finances commercial trucks and hauling equipment with terms that match the revenue cycles of project-based construction businesses.
Compact Equipment
Skid steers, compact track loaders, mini excavators, backhoes, and compact utility loaders are the workhorses of residential construction, landscaping, utility work, and confined urban job sites throughout Florida. Aberdeen finances compact equipment for contractors at every stage — from the startup contractor adding their first skid steer to the multi-crew operation replacing an aging fleet.
Specialty and Trade Equipment
Asphalt paving equipment, milling machines, compaction rollers, directional drills, vacuum excavators, and specialty trade equipment for roofing, framing, masonry, and mechanical, electrical, and plumbing contractors. Florida's construction market spans every trade and specialty — Aberdeen finances equipment across all of them.
Generators and Temporary Power
Standby generators, portable generator sets, and temporary power distribution equipment are essential on Florida job sites where power infrastructure is not yet established and where hurricane preparedness is a year-round operational concern. Aberdeen finances generator equipment for contractors, rental yards, and construction companies throughout the state.
Why Florida Contractors Choose Aberdeen Over Their Bank
The construction industry has a complicated relationship with conventional bank lending — and it is not because Florida contractors run bad businesses. It is because construction businesses routinely fall outside the parameters that bank underwriting was designed for.
Irregular revenue cycles
Construction revenue arrives in large, irregular installments — project draws, milestone payments, retainage releases — rather than the smooth monthly deposits that bank credit models expect. Banks see variable revenue and call it risk. Aberdeen sees project-based income and evaluates it correctly.
Thin business credit
Many Florida contractors have operated for years on relationships, personal credit, and subcontractor agreements without building a formal business credit profile. Banks treat thin business credit as a disqualifying factor. Aberdeen evaluates the business's actual performance — monthly bank deposits, time in business, the quality of the equipment being financed — rather than defaulting to a single credit metric. Learn about our bad credit business loan programs →
Time in business thresholds
Banks typically require two or more years of operating history. A contractor at 14 months generating $60,000 per month in project revenue cannot access bank equipment financing despite demonstrating real, consistent business performance. Aberdeen's core programs require 12 months in business — opening financing access to contractors in their second year that banks will not serve.
Credit events from difficult periods
The construction industry is cyclical. Many Florida contractors carry personal credit that reflects a difficult period during the 2008 to 2012 downturn, a challenging project that caused cash flow stress, or personal circumstances unrelated to their business capabilities. Aberdeen evaluates where the business is today — not where the credit score says it was three years ago.
Speed
A bank equipment loan application takes three to six weeks to process. A contractor who finds a piece of equipment at auction or through a dealer with a deal that expires in a week cannot wait three weeks. Aberdeen completes most construction equipment financing approvals in three to seven business days. For time-sensitive situations, we work to move faster.
New vs Used Construction Equipment — Aberdeen Finances Both
Florida's construction equipment market has a robust secondary market — particularly for excavators, dump trucks, skid steers, and compaction equipment — and many contractors find that well-maintained used equipment delivers equivalent production value at significantly lower financing cost.
Aberdeen finances both new and used construction equipment. For used equipment, the machinery must be in working condition with verifiable market value — from a dealer, a private seller, or an auction purchase. We work with contractors who have found specific equipment through equipment dealers, construction auctions, and private party transactions throughout Florida and nationally.
For new equipment, Aberdeen works with dealers and manufacturers directly, coordinating payment to the seller as part of the closing process.
The decision between new and used often comes down to the Section 179 tax advantage — both new and used equipment placed in service in 2026 qualify for Section 179 expensing up to the $2,560,000 deduction limit. Combined with 100% bonus depreciation, a Florida contractor financing $400,000 in construction equipment this year can potentially deduct the full amount in year one, significantly reducing the after-tax cost of the acquisition. Always consult your tax advisor for guidance specific to your situation.
Construction Equipment Financing and Working Capital — Used Together
Equipment gets you on the job. Working capital keeps you there.
Florida contractors frequently need both simultaneously — equipment financing to put the machinery on the site and working capital to cover payroll, materials, fuel, insurance, and subcontractor payments between project draws. Aberdeen provides both through our lender network.
A contractor who finances an excavator through Aberdeen and establishes a working capital line of credit through Aberdeen has two tools that address the two most common cash flow challenges in construction — the capital to scale equipment capacity and the liquidity to bridge the gap between project expenses and payment receipts.
If your construction business is carrying Merchant Cash Advance debt from a previous working capital solution — which is common among contractors who have been declined by banks and turned to advance providers — Aberdeen can restructure that debt into a lower-cost working capital facility simultaneously with arranging equipment financing. Contact us to discuss your full situation.
Explore Our Florida Financing Solutions
Florida Construction Equipment Financing — Frequently Asked Questions
Equipment Lease Calculator
Finance Construction Equipment for Your Florida Business
Florida's construction market is moving. Aberdeen Financial Group LLC is built to help you move with it — putting the right equipment on your job sites without draining the working capital that keeps your operation running.
Serving all of Florida · $50,000 to $5M · Terms up to 84 months · Approvals in 3 to 7 business days · 90% approval rate
Apply for Construction Equipment Financing