Compact Construction Equipment Financing & Leasing

Kubota and other manufacturers may offer 0% financing promotions at certain times, but availability, eligible models, terms, and approval criteria can change. A manufacturer deal is not always the best fit if you need different repayment terms, faster capital access, or broader equipment choices. Franklin Financing Services can help compare leasing, equipment financing, SBA, or term loan options.

Equipment financing is typically structured to help you purchase machinery over time, while leasing lets you obtain equipment without a large upfront capital expenditure. Financing may be preferred when ownership is the goal. Leasing can be useful when cash preservation, equipment upgrades, or balance sheet flexibility matter. Franklin Financing Services offers both equipment financing and leasing solutions.

Yes. Franklin Financing Services works with businesses that may not qualify through traditional banks and notes that poor credit, late payments, or previous bank turndowns are not necessarily disqualifying for certain programs. Approval still depends on the program, revenue, time in business, cash flow, and documentation, but the company’s lender relationships can broaden available options.

Some financing programs can move quickly. Franklin Financing Services lists 24–48 hour approvals for certain fast-track programs and funding available in as little as 3–7 days, depending on the product. Equipment financing or leasing timelines may vary based on lender requirements, documentation, equipment details, and underwriting review, so preparing financial and business records early helps.

Common underwriting needs may include business financial statements, recent bank statements, debt schedules, revenue information, equipment details, and projections when available. Some fast-track programs require only an application and recent bank statements, while SBA or larger financing requests require more documentation. The exact package depends on the loan type, amount requested, and lender criteria.

Down payment requirements vary by lender, equipment type, borrower profile, and financing structure. Leasing may reduce the need for a large upfront purchase cost, while loans may require equity depending on credit strength and collateral. Franklin Financing Services reviews available programs to help identify structures that support cash flow and equipment acquisition goals.

Yes. Franklin Financing Services offers debt restructuring and can refinance multiple equipment loans into one loan when appropriate. The company states this may reduce monthly equipment loan payments by 30% or more, improving cash flow and bottom line. Refinancing depends on existing balances, equipment equity, lender approval, and overall business financial condition.

Franklin Financing Services supports construction companies seeking capital to acquire equipment needed to operate and grow. Financing can also be supported through equipment leasing, SBA loans for machinery and equipment, business term loans, or restructuring existing equipment debt. The right option depends on whether you want ownership, lower upfront cost, longer terms, or payment flexibility.