Industries We Serve


For nearly 40 years, Universal Finance has provided dedicated premier commercial lending to the construction industry. Whether it’s an excavator, a bulldozer, or a loader, Universal Finance can help you find the construction equipment you need and provide you with the equipment loan needed to purchase them.

Universal’s extensive experience in the construction industry gives us a unique edge when relating to our small business customers. In many cases, Universal Finance has traveled to meet new customers, to get to know them and to gain a better understanding of their operation. We look over their construction equipment and machinery and explain how they can put that collateral to work for them.

Universal provides financing for construction equipment that includes but is not limited to:

  • Backhoes
  • Bull Dozers
  • Cranes
  • Dump Trailers
  • Dump Trucks
  • Excavators
  • Lowbeds
  • Mini Excavators
  • Rock Crushers
  • Rock Trucks
  • Screeners
  • Skid Steers
  • Tractors
  • Trailers
  • Tri-Axle Dump Trucks
  • Trucks
  • Wheel Loaders

As a construction lender, we understand the economy and the financial ebbs and flows that impact the industry. Universal’s decision to provide a heavy equipment loan to a customer is determined by the “Three C’s – Credit, Collateral, and Character.” Unlike a traditional bank, our decisions to finance are based on more than just how a business looks on paper. We develop a complete understanding about who the customer is and what they have to offer. This approach solidifies our relationship with the thousands of contractors who have secured construction equipment financing from us over the years.

The foundation of our business is built on client relationships, convenient financing, and fast turnaround. By working closely with our customers to understand their needs, we possess the unique ability to provide borrowers with the funds they need to be hired for a project, purchase heavy equipment, and obtain working capital. Our customers never have to wait long for an answer, and we work diligently to provide them with funding as quickly as possible.

At Universal Finance, it is our belief that a business shouldn’t suffer because of under-funding. Many businesses fail due to insufficient funding or capital to support their operations. We work with customers to help them utilize their heavy construction equipment as collateral in order to obtain a working capital loan. By using existing equipment and machinery, customers can receive a loan based on these assets and their value.

For more information, please call Universal Finance Corporation, Construction Equipment Financing, at 781-417-5493.

    Start doing more today:

    Request pre-approval to finance the right equipment

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