Specialized Equipment Financing for Used and Hard-to-Finance Deals

Fast, flexible financing for used construction equipment, including loans, leases, and lease-to-own structures for private-party purchases and less-than-perfect credit.. PacFin is an equipment finance brokerage that matches your deal to the right lenders, even when banks decline due to credit history, high hours, or limited documentation.

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Used & Older Equipment


We finance used construction equipment, including older machines and high-hour units many banks won’t finance. Dealer and private-party purchases are both considered.

Private-Party Purchases Welcome


PacFin specializes in private-party equipment financing and helps structure these deals so lenders can fund them.

A, B, and C Credit Programs


Less-than-perfect credit is not a deal breaker. We work with lenders across A, B, and C credit profiles, including newer businesses and limited documentation situations.

BUILT FOR CONSTRUCTION EQUIPMENT

Construction Equipment We Finance

PacFin specializes in construction equipment financing, allowing us to place deals that fall outside traditional bank guidelines.

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Skid Steer Financing

Used and high-hour skid steers for contractors, landscapers, and grading crews.

Excavator Financing

Mini, mid-size, and full-size excavators, including older models and private-party sales.

Dump Truck Financing

On-road and off-road dump trucks used in construction, hauling, and site work.

Backhoe Financing

Flexible financing options for backhoes purchased from dealers or private sellers.

Dozer and Wheel Loader Financing

Older and specialty machines considered based on equipment value and deal structure.

Concrete and Paving Equipment Financing

Concrete pumps, mixers, pavers, rollers, and compactors for concrete and asphalt work.

Who We Help

  • Buyers purchasing used or older equipment
  • Private-party purchases between contractors or sellers
  • New businesses and startups
  • Limited financials or no tax returns
  • Buyers with past credit issues or less-than-perfect credit
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Two construction workers in safety gear standing outdoors at a building site, focused on work.

WHAT MAKES US DIFFERENT​

A Different Approach to Equipment Financing

PacFin was built to handle deals that don’t fit inside traditional bank programs.

Independent Broker, Not a Bank

PacFin is an independent equipment finance brokerage, not a bank. We structure deals using loans, leases, and lease-to-own programs based on the equipment, credit profile, and transaction type

A person sitting on an excavator during the night in Greenville, Michigan. Tranquil rural setting.

Focused on Used and Private-Party Equipment

Many lenders only want new equipment purchased from dealers. PacFin focuses on used construction equipment and private-party purchases, including older machines and high-hour units that fall outside traditional programs.

Top view of a team working on construction plans in an office setting.

Approvals Built Around the Deal

Every transaction is different. PacFin structures financing around the equipment, the project, and the buyer’s situation to create a path to approval, even when credit or documentation is less than perfect.

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FAQs

Yes. PacFin specializes in used construction equipment financing, including older machines and high-hour units. Many lenders only want new equipment, but our network includes programs designed specifically for used equipment.

Yes. We regularly finance private-party purchases between contractors or individual sellers. These deals require proper structuring, and that’s where a broker makes the difference.

We work with A, B, and C credit profiles. Less-than-perfect credit does not automatically disqualify a deal. Approval depends on the full picture, including the equipment, structure, and down payment.

PacFin works with construction equipment buyers nationwide. We are based in California and have deep experience with California transactions, but we place deals across the country.

PacFin offers both equipment loans and leasing options, including lease-to-own structures. The best option depends on the equipment, credit profile, and how the machine will be used.