Telehandler Financing for Masonry and Bricklaying Contractors
Masonry crews depend on telehandlers for block, brick, and mortar staging at height. We finance new and used machines for masonry contractors from $50k, closing in 1-2 weeks.
Block by block, a masonry crew works from a continuous supply of material staged at the right height and within arm's reach. Put the material too far away or too low and the crew is walking or bending instead of laying. A telehandler solves that problem in one machine: it picks the block pallet off the flatbed, carries it to the wall face, and sets it at working height so the mason is always laying, not hunting. Crews that have worked with a machine on site and then without one know the difference in linear feet per day.
We finance telehandlers for masonry and bricklaying contractors, from small family operations running a single machine to regional masonry companies managing multiple sites. Our minimum is $50,000, the sweet spot is from $100,000 up, and we close in one to two weeks. Application-only to around $400,000 requires three months of bank statements, no tax returns, no financial statements. New or used equipment, challenged credit considered.
Masonry work often runs on a project calendar tied to weather and GC schedule, which means cash flow is seasonal. We understand that pattern and can structure the financing around it. A deferred-payment structure that holds the first payment or two while a winter slow period passes is a real option, not a workaround.
The Machine a Masonry Crew Actually Needs
Masonry contractors are primarily moving block and brick pallets, mortar, and sometimes precast elements. The typical concrete masonry unit (CMU) pallet runs 2,000 to 3,000 pounds. A brick pallet is lighter, but a masonry crew may run twenty or thirty pallet movements in a shift. That load is well within the capacity of a standard 8,000-pound telehandler, and in most cases an 8,000-pound machine with 42 to 44 feet of reach is the practical choice for two-to-four-story masonry work.
Taller commercial masonry projects, including load-bearing CMU on mid-rise structures or curtain-wall brick work above four stories, call for more reach. A machine with 55 feet of lift height gets material to the upper courses of a six-story structure without a second piece of equipment. For precast work and heavier structural elements, contractors sometimes move to a 10,000-pound unit with extended reach to handle the load at height safely within the load chart.
Used machines in the 2,000-to-4,000-hour range from established brands are common masonry buys. The machine runs a limited duty cycle compared to a construction-site workhorse, so hours accumulate more slowly on masonry crews than on sites where the machine is moving continuously. A used unit is often the practical choice on first purchase, and we fund it on the same timeline as new iron.
How the Deal Gets Structured
A masonry contractor applying for telehandler financing starts with a short application and the last quarter of business bank statements. We look at cash flow relative to the proposed payment, the credit history, and the machine being purchased. For deals under $400,000, that is the full documentation package. We return a structure, usually within 24 hours, and fund the deal in one to two weeks from start to finish.
If the machine is new, we work directly with the dealer on funding. If it is a private-party purchase from another contractor or a yard buy, we fund that the same way. Used equipment financing is a standard product, not a specialty exception. Machines with an existing lien can be refinanced if the equity position supports it.
Masonry contractors who already own a machine and need working capital for the next project can pull that equity out through a sale-leaseback. You sell us the title, we put cash in your account, and you keep running the machine on your jobs under a lease structure. The machine stays in your yard; the cash goes into your operations.
Credit and Documentation Reality
Masonry is a subcontractor trade. That means payment schedules tied to GC progress draws, slow-pay owners, and occasional gaps between project completion and final payment. A masonry contractor who had a 90-day receivable from a developer who went slow in a bad market is not the same credit risk as a company with structural problems. We read bank statements for what they actually show, not just for the score that event left behind.
challenged credit is a regular part of our program. A contractor with a strong revenue run in the statements, even with a credit event from prior years, has funded with us. We are not the only option for challenged credit, but we are one of the faster ones, and speed matters when you have found the machine you want and need to move before someone else buys it.
We also consider startup or newer masonry companies, though those deals can require a stronger down payment or a shorter term to offset the lighter history. New business equipment financing is harder than established-company deals, but it is not off the table.
Masonry Contractor Questions
Common Questions on Telehandler Financing for Masonry and Bricklaying Contractors
Straight answers before you send the equipment file.
Can I finance the telehandler and a set of masonry forks or a bucket together as one deal?
Yes. Attachments can go into the same financing transaction as the machine if the total is above $50,000. One payment covers the whole package.
My masonry business has seasonal revenue, with slow winters. Will that hurt my application?
Seasonal cash flow in masonry is expected and is not a disqualifier. We look at the latest business statement set, and if the pattern is seasonal rather than declining, there is often a structure that fits. Deferred-payment options exist for exactly this situation.
The machine I want is a 2018 model with about 3,500 hours. Is that financeable?
Machines in that age and hour range are very much in our wheelhouse. We fund used telehandlers regularly, and 3,500 hours on a well-maintained machine from a major brand is not a problem.
Can I pull cash out of a machine I already own to cover payroll between draws?
Yes. A sale-leaseback or a cash-out refinance on a machine you own free and clear, or one with equity above the payoff, can put working capital into your account within the same one-to-two-week window as a purchase deal.
Does the minimum deal size change if I have rough credit?
The $50,000 minimum stays the same. What may change is the required down payment or term structure to offset the credit profile. We will tell you the exact structure before you commit to anything.
Get Terms on Telehandler Financing for Masonry and Bricklaying Contractors
Tell us what you are buying, who is selling it, and when you need it earning. We will review the file and point you to the next step.