Ready to see how
much you qualify for?
Let's get started
For many construction and landscaping businesses, a backhoe isn’t just a tool—it’s the backbone of the operation. But purchasing one outright? That can be a serious hit to cash flow.
For many construction and landscaping businesses, a backhoe isn’t just a tool—it’s the backbone of the operation. But purchasing one outright? That can be a serious hit to cash flow.
That’s why more small and mid-sized companies are financing their backhoes instead of paying in full. With the right structure, backhoe financing helps you stay agile, conserve capital, and keep projects moving—without compromising on quality or equipment.
At National Legacy Capital Group, we specialize in flexible financing solutions that are built around your business—not someone else’s spreadsheet.
Backhoes are versatile machines, used for everything from foundation digging and utility trenching to landscaping and light demolition. But they're not cheap. Depending on the model, you could be looking at $30,000 to $120,000 or more.
Here’s why financing is a smarter move for many businesses:
Whether you’re growing a fleet or replacing an aging unit, financing gives you flexibility and speed—two things every contractor needs more of.
Backhoe financing refers to equipment loans or leases used to acquire a backhoe without paying 100% upfront. You’ll make fixed monthly payments over a term that typically ranges from 24 to 72 months, depending on your business profile and the structure you choose.
There are two main options:
For a side-by-side breakdown of both options, check out this Equipment Financing Guide from the SBA.
Backhoes aren’t just for big construction firms. They’re workhorses in:
If your business depends on earthmoving—or needs to bid on jobs that do—having access to a financed backhoe can give you a competitive edge without draining your reserves.
At National Legacy Capital Group, we don’t just fund equipment—we fund growth. Our backhoe financing solutions are fast, flexible, and tailored specifically to small and mid-sized construction businesses.
Here’s what sets us apart:
Whether you’re a one-crew shop or a fast-growing firm, we’ll help you secure the equipment you need—without sacrificing cash flow.
1. Equipment Loans & Leases
Own it over time, or lease and upgrade later. We offer options to match your budget, tax strategy, and growth goals.
2. Business Lines of Credit
Draw what you need, when you need it—perfect for recurring or flexible equipment investments.
3. Term Loans
Lump-sum funding with predictable repayment terms. Great for big-ticket purchases like backhoes or site machinery bundles.
Financing doesn’t stop you from claiming tax benefits. In fact, it often enhances them.
With a financed backhoe, you may be eligible for full Section 179 depreciation—even if you haven’t paid off the machine yet. And you may also deduct loan interest and operational lease payments as expenses.
Learn more at Section179.org.
Our application process is fast and simple. Here’s what you’ll typically need:
Most approvals happen in 24–48 hours, and funds can be disbursed within a day after approval.
Not sure where to start? Our team will walk you through every step.
The faster you secure financing, the faster you can secure contracts. Our streamlined process ensures that you get the capital you need when you need it—so you don’t miss out on high-margin jobs due to equipment delays.
Financing a backhoe isn’t just a transaction—it’s a decision that can fuel your next phase of growth.
At National Legacy Capital Group, we’ll structure a plan that preserves your liquidity, strengthens your operations, and keeps your crews moving.
📞 Call: (858) 345-6338
📧 Email: info@nationallegacy.com
🌐 Apply Online: www.nationallegacy.com
Let’s get to work.
