Scissor Lift Financing for General Contractors

Scissor lift financing for GCs. Fund slab, rough-terrain, and fleet orders from $50k. App-only to $400k, non-prime credit reviewed, closing after file completion.

A general contractor's deck needs vary by project phase and by what the subs bring on site. Framing out a shell, a 32-foot rough-terrain scissor handles the overhead steel and the exterior work. Once the building is enclosed, a slab electric takes over for interior finishes. Most GCs end up owning or renting both. We fund construction scissor lifts for general contractors from $50k per transaction, new or used, and we size the deal off three months of bank statements for orders up to $400k. No financial package, no appraisals, no drawn-out bank process.

GC credit profiles vary widely, especially for companies cycling between large projects with long payment terms. We underwrite the business, not just the score. B/C credit equipment financing is available for general contractors who have been through a slow bid cycle or carried high debt during a growth phase. The equipment secures the transaction, and the operating history carries more weight with us than a single credit number.

Deck Specs That Match GC Job Types

Commercial shell construction and large tenant improvement projects typically call for a deck in the 32-to-40-foot working height range. A 32-foot scissor lift reaches the third-floor ceiling line on standard commercial construction, handles exterior cladding at second-floor height, and still fits through most double-door openings with the platform lowered. Rough-terrain versions of this size class handle uneven grade and compacted soil without grading the site first.

Interior finish work runs tighter. Drywall hang and tape, MEP rough-in, and ceiling grid work on a slab floor call for a 19-foot or 26-foot slab electric. The 26-foot class is the most versatile interior deck for commercial construction: it reaches a 24-foot ceiling working height with operator overhead, fits through standard door openings, and leaves enough footprint for a crew of two on the platform. For high-bay warehouse shells and atrium lobbies, a 40-foot scissor is the appropriate choice.

GCs running multiple simultaneous projects often need four to eight decks spread across active job sites. We fund multi-unit orders under a single transaction. The underwriting is based on the company's bank statement history rather than per-unit appraisals, so the process scales with the order size without adding proportional paperwork.

Timeline and What to Expect

Most GC transactions close after file completion from application. The standard documentation for orders up to $400k is a completed credit application and current operating bank statements. For larger transactions, we may request a basic equipment list and a project schedule to understand the draw timing. We do not require audited financials, CPA-prepared tax returns, or third-party equipment appraisals on standard slab and rough-terrain scissor lifts.

GCs who win a job and need decks on site before the draw cycle starts appreciate the speed. A bank that takes 45 days to close an equipment loan does not fit a mobilization schedule. We close most deals in under two weeks, and we can structure a deferred first payment on new equipment purchases to give the project a chance to get its first draw before the payment clock starts.

New vs. Used Decks for GC Fleets

New scissor lifts carry full factory warranties and are ready for immediate deployment. For a GC building a permanent fleet, buying new on a 60-month term spreads the cost over the useful life of the machine. The monthly payment on a new 32-foot slab electric sits comfortably within a project equipment budget for a mid-size commercial job.

Used decks make sense for contractors who need to match a specific project budget or who want to avoid the depreciation hit on the first year of a new unit. A three-to-five-year-old slab electric with under 1,500 hours and a documented service history is a productive machine. Used equipment financing on contractor-grade decks is available with no additional documentation beyond the standard application. Auction and private-party purchases are also funded on the same terms as dealer transactions, which gives GCs access to estate sales, bankruptcy auctions, and off-lease dealer lots.

Get Decks on Site

Tell us the height class, quantity, and whether you are buying new or used. Three months of statements and an application gets the deal moving. Most GC transactions fund inside two weeks.

Questions operators ask

Clear answers before the lift moves.

Open a question for the practical details on equipment, documents, timing, and structure.

Can I finance scissor lifts mid-project to meet a mobilization deadline?

Yes. We fund on a one-to-two-week timeline, which is faster than most bank equipment loans. If you need decks on site before a specific mobilization date, give us that deadline upfront and we will prioritize the underwriting.

I have a large project coming and need both slab and rough-terrain decks. Can you fund both in one deal?

Mixed-spec orders are funded as a single transaction. You do not need separate applications for your slab electric units and your rough-terrain decks. One application, one approval, one payment.

Our GC company had a rough couple of years with cash flow. Will that hurt our approval?

Not necessarily. We underwrite on the current operating picture, which is why we use three months of bank statements rather than two years of tax returns. If the business is running well now, a difficult prior period matters less than the current trajectory.

Can we do a sale-leaseback on scissor lifts we already own to free up cash for a project?

Sale-leaseback is available on owned equipment. We fund the market value of the units, you use that cash for the project, and you continue using the decks on a lease payment. The minimum per transaction is $50k.

Do you fund scissor lift purchases from equipment dealers we already have a relationship with?

We fund purchases from any licensed equipment dealer in the US. You can use your existing dealer relationship for the transaction. We work with the dealer to coordinate the funding and equipment delivery timeline.