Merchant Fund Express
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Expansion Funding for Excavation Companies

Add a machine, a crew or a new service line. $25,000 to $5,000,000 with a 5-minute application and a soft credit pull to start.

Grow My Company

Excavation Growth Funding

Stop turning down work you could be doing

If you're passing on jobs for lack of crews or machines, we can help you add capacity based on the deposits your business already brings in.

As fast as
24 hours

Amount to request

$85,000.00

Funding range$25K to $5M

*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.

Growth funding for site work contractors

Quick, simple application

Five minutes and about three months of bank statements. No tax returns or projections.

Credit flexibility

FICO from 500 is considered, with focus on how the business is running now.

Total cost up front

Your offer shows the full repayment amount before you accept. No surprise costs after you sign.

Predictable repayment

The repayment schedule is set out in the offer, so you can plan the expansion around it.

Waiting on deposits to land?

Fast decisions. Applying takes about 5 minutes.

Apply Now

How it works

Apply in minutes

A short application. A soft credit pull to start.

Fast decision

We review revenue, time in business and bank activity, not just a credit score.

Review your offer

You see the amount, the schedule and the full repayment amount before you sign.

Get funded

Funding in as little as 24 hours for qualified businesses.

Growing an excavation company is capital heavy

Most excavation companies grow one machine and one crew at a time. Each step means a bigger equipment payment, another operator, another truck and trailer, more insurance and, often, a bigger yard. Moving into new services like utility installation, demolition or land clearing adds attachments and training on top of that. Expansion funding for excavation helps cover those costs while the new capacity starts earning.

Expansion paths we help fund

Adding a crew

Wages for a new operator and laborers through the first few jobs, plus a truck and trailer to move the machine.

Adding equipment

A second excavator, a dozer or a dump truck. Equipment financing for excavation keeps the purchase tied to the machine.

Adding services

Utility work, demolition or land clearing, each with its own attachments, materials and certifications.

A bigger yard

Deposits, fencing and setup costs for a larger base of operations.

Fund growth in steps you can carry

The amount we can offer depends mainly on your current deposits and existing obligations, which keeps the plan grounded in what the business already does. If new capacity will take a few months to pay for itself, plan repayment around today's revenue, not tomorrow's. A business line of credit lets you draw as each part of the expansion comes online.

An example, for illustration

For illustration: a two-machine excavation company keeps turning down utility jobs because it doesn't have a crew for them. The owner finances a used excavator with equipment financing, then uses working capital to cover a new operator's wages, a trench box and the first pipe order. The offer for each showed the full repayment amount and schedule, so the owner could see both payments side by side before committing. Within the season, the new crew is billing its own work.

Apply in five minutes

We review about three months of business bank statements, consider FICO from 500 and start with a soft credit pull. No tax returns. Sole proprietors can apply. Qualified businesses can be funded in as little as 24 hours. Start your application.

Frequently Asked Questions

Should I use equipment financing or working capital to expand?

Many excavation companies use both. Equipment financing for the machine, working capital for wages, attachments and materials while the new crew ramps up.

Do I need a business plan?

No formal plan is required. We review your bank statements to understand current performance.

How much expansion funding is available?

From $25,000 to $5,000,000, depending mainly on your deposits and existing obligations.

Can I apply if I'm a sole proprietor with one machine?

Yes. Sole proprietors can apply, and adding a first employee or second machine is a common reason to.

Can expansion funding cover a new service like demolition?

Yes. Working capital can pay for attachments, training, materials and the added labor a new service line needs. Price the new work with all of those costs included so you know when it starts paying for itself.

Will applying affect my credit?

We start with a soft credit pull, which does not affect your score.

Operator wages $32,000.00
Trench box $19,500.00
Truck and trailer $68,000.00
Yard setup $27,000.00

Example uses for illustration only.

How to improve your chances

Expansion works best when the new capacity has work waiting for it.

  • Line up jobs for the new crew before hiring
  • Price new services with full equipment and labor cost
  • Expand in stages instead of all at once
  • Keep existing obligations manageable before adding more

Expansion funding: MFE vs. a bank

Merchant Fund Express
Traditional bank loans
Paperwork
Bank statements, no tax returns
Tax returns, plans, financials
Speed
As little as 24 hours if qualified
Weeks to months
Credit
FICO 500+ considered
Usually stronger credit
First credit check
Soft pull
Hard pull common
Sole proprietors
Can apply
Often harder

Add the capacity. Take the jobs.

One secure application. A soft credit pull to start. No obligation to accept an offer.

Apply for Funding
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