Industry Guide

Construction Equipment Financing in Tempe, AZ: A Guide for Contractors

Tempe's construction market is booming — from light rail expansion to new mixed-use developments along Mill Avenue. Here's what Tempe contractors need to know about financing excavators, boom lifts, and heavy equipment.

Phoenix Equipment FinanceApril 9, 20262 min read

Tempe's construction market is one of the most active in the Phoenix metro. The city's dense urban core — anchored by Arizona State University and bordered by Scottsdale, Mesa, and Phoenix — is in a constant state of development. Light rail expansion, mixed-use redevelopment along Mill Avenue, new student housing, and commercial construction along the I-10 and Loop 202 corridors keep Tempe contractors busy year-round.

For construction contractors operating in Tempe, equipment financing is often the most effective way to grow capacity without depleting working capital. Phoenix Equipment Finance specializes in construction equipment financing across all equipment categories — from excavators and skid steers to boom lifts, concrete equipment, and commercial trucks.

Construction Equipment We Finance in Tempe

Earthmoving & Excavation

Excavators, mini excavators, backhoes, bulldozers, graders, and compactors are the backbone of Tempe's construction market. We finance new and used earthmoving equipment from all major manufacturers including Caterpillar, John Deere, Komatsu, Volvo, and Case. Typical financing ranges from $40,000 to $500,000 with terms from 24 to 84 months.

Aerial & Lifting Equipment

Boom lifts, scissor lifts, telehandlers, and cranes are in constant demand for Tempe's multi-story construction projects. We finance aerial equipment from JLG, Genie, Skyjack, and other leading manufacturers. Typical financing ranges from $25,000 to $300,000.

Concrete & Masonry Equipment

Concrete mixers, pumps, screeds, saws, and masonry tools are essential for Tempe's commercial and residential construction market. We finance concrete equipment across all price ranges, from small mixers to large pump trucks.

Commercial Trucks & Trailers

Dump trucks, flatbeds, service trucks, and equipment trailers are critical for moving materials and equipment across Tempe job sites. We finance commercial trucks and trailers with terms up to 84 months for qualified buyers.

What Tempe Contractors Need to Qualify

Most Tempe contractors qualify for equipment financing with:

  • 2+ years in business (startups may qualify with stronger credit)
  • $10,000+ monthly revenue (lower revenue businesses may qualify with larger down payments)
  • Credit score 550+ (all credit types considered; lower scores may require additional documentation)
  • Equipment quote or invoice from dealer or private party

We do not require tax returns for deals under $150,000. For larger transactions, we may request 2 years of business tax returns and recent bank statements.

Private Party and Used Equipment

Tempe contractors frequently purchase used equipment from private sellers, auctions, and equipment dealers. We finance private party sales with the same speed and flexibility as dealer purchases. For used equipment, we typically require a recent appraisal or dealer valuation for transactions over $100,000.

Apply Today

Pre-qualification takes less than 10 minutes. Call 480-741-8931 or apply online at phoenixequipmentfinance.com. We serve contractors throughout Tempe zip codes 85281, 85282, 85283, 85284, and 85287.

Ready to get your equipment financed?

Pre-qualify in 4 hours with no application fee. All credit types welcome.

Have a question? Send us an email.

Whether you want to know if your equipment qualifies, have a question about rates, or just want to talk through your options — our team responds to every inquiry within one business day.

Email Us: [email protected]