For contractors three years or more in business
Need Equipment Financed? Most Approvals Come Back The Same Day.
TrueCore Capital finances excavators, dozers, loaders, cranes and dump trucks. New, used or older, from a dealer, an auction or a private seller, secured by the machine alone and reported to your business credit.
Answering doesn't pull your creditAbout two minutesFrom $20,000
- EXExcavatorUsed, from a dealerQuote in
- APYour applicationA few quick questionsDone
- TCTrueCore CapitalYour teamFile positioned
- PGProgramPicked for your fileApproved
Before you sign the dealer's or the bank's offer
A yes isn't always the best deal. Compare before you sign.
01
Check the cash price
If a mortgage still costs several percent, a 0% machine loan isn't free. The cost is usually built into a financed price above the cash price. Ask for both.
02
The bank wants everything
Many bank loans come with a lien on everything the business owns. With TrueCore the machine secures the loan, and nothing else does.
03
Bring us the offer
Already approved by the dealer or the bank? Send us the terms. We'll tell you straight whether we can beat them.
How it works
From the machine you found to the machine working.
A few questions, one call, and a program picked for your file, not the easiest one.
- 01Two minutes
Tell us the machine
What you're buying and a few questions about your business. Answering doesn't pull your credit.
- 02Weekdays 7–4 PT
Talk to our team
If it's a fit, we call you straight back, or at a time that suits you.
- 03Usually same day
Approved
We match your file to the program that fits the machine, the price and your business.
- 04About a day
Funded
The seller gets paid and the machine goes to work.
Buying before year-end
To count for 2026, it has to be working by December 31.
Under federal Section 179, new, used and financed machines may qualify, in the year they're placed in service. Banks can take weeks, so start now while there's time to get the machine on site.
Federal rules. California doesn't follow them: its Section 179 limit is $25,000 and it doesn't allow bonus depreciation. Whether your purchase qualifies depends on your business, so ask your tax professional.
What borrowers say
4.8 on Google, from 26 reviews.
What borrowers say after working with the TrueCore team.
We have worked with TrueCore Capital on 4 deals in 2025. They are a true partner for our business. There are all sorts of options out there in the market. My voicemail and my email is full of capital companies each and everyday. TrueCore is different. They are what you want for your business. The service and communication skills are excellent. We would not be where we are today as a company without a business relationship like what we have with TrueCore Capital. We highly recommend them.
Cash has been a wonderful agent to work with for obtaining farming equipment. Communicative and on top of getting things done quickly. We plan on working closely with this agency in the future due to cash’s diligence. 10/10
Thank you so much for working so hard for us! Zak is so on point, working with him was a very pleasant experience. He is very knowledgeable in the industry, and promptly got us the best deal, after a month of looking for funding! We absolutely recommend this company and Zak as they are prompt and professional.
The agent that we worked with (Josh) did a fantastic job in getting us funded in a very timely manner. Josh and his colleagues were very professional, supportive and kind. It was much appreciated during this time.
TrueCore Capital looked out for best interest in finding me financing. Josh was there anytime for any questions and concerns! Grade A establishment.
As a business owner I receive so many calls and emails from people claiming to offer me...my company, business funding. I decided to find a business funding company myself. TrueCore Capital showed up in my search. What a blessing. In a matter of just a couple of weeks, my company was approved and purchased 3 new vans just today. I can't put into words how happy I am. When you're in the service business your vehicle and wrap is your calling card. Its your number 1 marketing asset. Although every person with TrueCore Capital pitched in to make it happen, my biggest thanks goes out to Emily and the person(s) who saw the asset she could be for TrueCore and their clients and hired her. From now on I make my deposits at my bank and get my business funding/financing at TrueCore Capital. Business owner to business owner, I highly recommend TrueCore Capital to help with growing pains. Thank you all! Terry Rankin CEO DUCTS Air Duct Cleaning, Inc.
Questions
Straight answers before you apply.
Will this hit my credit?
Answering our questions doesn't pull your credit. If you go ahead, we'll review your credit then, and the loan reports to your business credit, not your personal credit.
My credit isn't perfect. Is that a problem?
Our programs start at a 620 credit score. Tell us roughly where you sit. Collections, judgments and tax liens are looked at case by case, not an automatic no, and we'll tell you straight whether we have a program for it.
How much do I need to put down?
With a score of 640 or more, you may not need a down payment at all. From 620 to 639, plan on 20% down.
How long do I need to have been in business?
Three years or more is what our programs look for. If you're newer than that, we'll still tell you straight where you stand.
Do I need to have financed equipment before?
Not equipment specifically. A car, boat, RV or personal loan counts too, as long as it was roughly half the size of what you're asking for now. If you haven't borrowed before, tell us and we'll tell you where you stand.
It's used, older, or I found it at auction. Can you finance it?
Yes. Any brand, from a dealer, an auction or a private seller, and our programs don't cap the machine's age.
The dealer offered me 0%. Should I take it?
Ask for the cash price first. If a mortgage still costs several percent, a 0% machine loan isn't free: the cost is usually built into a financed price above the cash price. If the cash price is considerably lower, financing the cash price with us is often the better deal. Send us both numbers and we'll show you.
What should I have ready?
The quote or invoice for the machine. If your credit is under 700, three months of bank statements too.
See what you qualify for before December 31.
A few quick questions, about two minutes. If it's a fit, we'll call you straight back.
Answering doesn't pull your credit.