Heavy Equipment Financing

Soft credit pull · No score impact

Low monthly payments

60-second pre-qualification

Established 2015

From pre-qualification to driving home

Three steps. Built into the Ritchie Bros. auction flow.

Step 1

Pre-qualify in minutes

Apply for financing in minutes. Get approved within 24 hrs to buy at auctions, dealers, or private sellers.

Step 2

Bid with confidence

Join any Ritchie Bros. auction or online marketplace and place bids confidently with your approved limit.

Step 3

Put it to work

Win the equipment or trucks you need, and get to work with no payment for 120 days.

PurchaseFlex™ Financing

No payments for 120 days.^*

Pre-qualify now →

Built for equipment buyers with seasonal cash flow. Skip the first four months of payments, then pay over terms up to 72 months.

*PurchaseFlex offer subject to credit approval. Interest may accrue during the deferment period. Not available in all jurisdictions. Terms and conditions apply.

120

days, $0 payments

72 mo

longest term

24 hr

funding after approval

Up to $1M

credit line

From the auction

Buyers who showed up funded.

The bank was going on and on. It was typical of a bank, taking quite a while to get anything done, especially on a smaller loan. I wanted to buy that trailer at the sale coming up and with Ritchie Bros. Financial Services it went through very nicely and quick.

Lorne Luchinksi

Nipawin, SK

Ritchie Bros. Financial Services made it so I could bid comfortably, knowing I had the money covered when I got to the auction. It's nice having your ducks in a row like that.

Robert Earl Barrows

New York

Purchasing equipment is an essential part of my business. It can be hard to explain it to (banks). Ritchie Bros. Financial Services already knows the industry and has the knowledge to support the purchase.

Anthony Hernandez

Labelle, FL

More ways to scale your business

Buy Now, Pay Later

Equipment financing solutions for any purchases up to $10,000

Learn more

Common questions.

Will pre-qualifying affect my credit score?

No. We use a soft credit pull during pre-qualification, which has no impact on your credit score. A hard pull only occurs if you proceed to a full financing application.

What kinds of equipment can I finance?

We finance a wide range of equipment including construction, agriculture, transportation, and forestry. As an equipment-only lender, we understand the specific needs of equipment buyers and can finance assets that traditional banks may not.

How fast can I get approved?

Pre-qualification takes 60 seconds. Full approvals are typically returned within 24 hours.

Do you finance startups or buyers with no business history?

Yes, we work with a range of business profiles including newer operators. Our specialists individually review each application and credit profile.

Can I refinance equipment I already own?

Yes. Refinancing is available for qualifying equipment. Contact our team to discuss your current assets and how we can help improve your cash flow or terms.

Your next opportunity is closer than you think.

Pre-qualify now and walk in funded. 60 seconds. Soft credit pull only.