Fuel your construction ambitions with our specialized equipment financing solutions. From excavators to cranes, bulldozers to loaders – we provide the capital you need to acquire, maintain, and upgrade your heavy machinery fleet.
Excavators, bulldozers, loaders
Tower cranes, mobile cranes
Road rollers, pavers, mixers
Generators, compressors, welding
Comprehensive financing solutions designed specifically for construction equipment and machinery
Construction Equipment Finance (CEF) is a specialized form of asset-based financing that enables construction companies, contractors, and equipment owners to acquire, lease, or refinance heavy machinery and equipment. Unlike traditional loans, CEF is secured against the equipment itself, offering competitive rates and flexible terms.
Our CEF solutions are tailored to meet the unique needs of the construction industry, providing funding for new equipment purchases, used equipment acquisition, equipment refinancing, and even equipment leasing options. We work with all major equipment manufacturers and dealers across India.
Comprehensive coverage for all your construction equipment needs
Unlock the advantages of specialized construction equipment financing
Access to the best interest rates through our extensive bank network. Rates starting from 8.5% p.a. with flexible EMI options.
Fast-track approvals within 48-72 hours for pre-qualified customers. Streamlined documentation and online application process.
Equipment serves as collateral, reducing risk for lenders and enabling better rates for borrowers. Comprehensive insurance coverage included.
Direct partnerships with leading equipment manufacturers like Caterpillar, JCB, Volvo, and Tata Hitachi for seamless financing.
Loan tenures from 12 months to 84 months based on equipment type and usage. Balloon payment options available for working capital optimization.
Financing available for pre-owned equipment up to 7 years old. Competitive valuation and financing up to 80% of equipment value.
Refinance existing equipment loans at lower rates. Balance transfer options to consolidate multiple equipment loans.
Optional maintenance packages and extended warranty financing. Emergency repair funding for equipment breakdowns.
Who can apply for Construction Equipment Finance?
Self-employed individuals must have minimum 3 years of business experience. Companies must be registered and have valid business licenses. Equipment must be purchased from authorized dealers.
Higher credit scores and stronger financials can help you get better interest rates and higher loan amounts. Prepare all documents in advance for faster processing.
Simple 4-step process to get your equipment financing approved
Contact our equipment finance specialists to discuss your requirements. We'll assess your needs and recommend the best financing solution.
Submit required documents and equipment details. Our team will verify your eligibility and prepare the loan application.
Technical inspection of equipment (for used machinery) and valuation assessment to determine loan-to-value ratio.
Final approval from bank partners and fund disbursement. Equipment delivery and registration completion.
Real construction businesses that grew with our equipment financing
"RiseUP financed our entire fleet of road construction equipment including pavers, rollers, and mixers. The financing helped us secure a major highway project worth ₹50 crores."
"The flexible tenure and competitive rates allowed us to acquire high-end excavators and cranes for our metro rail project. Excellent service throughout the process."
"RiseUP's used equipment financing helped us expand our rental fleet. We financed 20+ units of construction machinery, significantly growing our business."
Calculate your monthly EMI and plan your construction equipment finance repayment schedule
Common questions about construction equipment financing
Loan amounts range from ₹5 lakhs to ₹10 crores depending on the equipment type, your business profile, and repayment capacity. Higher amounts are available for large construction projects.
Yes, we finance pre-owned equipment up to 7 years old. The loan amount is typically 70-80% of the equipment's market value, subject to technical inspection and valuation.
Rates start from 8.5% p.a. and vary based on equipment type, loan amount, tenure, and your credit profile. New equipment financing generally offers better rates than used equipment.
Most banks require 2-3 years of business vintage, but we have options for newer businesses with strong project contracts or equipment rental agreements.
Yes, most equipment loans allow prepayment after 12-24 months with applicable prepayment charges. Early prepayment can help save on interest costs.
The equipment serves as collateral. In case of default, the bank may repossess the equipment. We recommend maintaining regular payments to avoid such situations.
Get the equipment financing you need to take your construction business to the next level. Our experts are here to help you choose the right financing solution for your equipment needs.