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Submit your application
Complete our simple online application in minutes. We need basic business info and the equipment details.
What you need
- Business bank statements
- Equipment quote or listing
- Driver's license
Florida HDD contractors
Equipment financing built for Florida HDD contractors
Drills, vac trucks and support equipment. New, used, auction or private seller. Decisions in 24 hours — from a team that's actually in Florida.
Start a Conversation
- 24-hr decisions
- Bad credit? No problem
- No prepayment penalties
Built for HDD Contractors
Thousands of Machines Financed
Bad Credit? No Problem! Let's Talk
Fast Funding
Trusted for
50+ Years
What we finance
If it puts a rig in the ground, we can fund it
HDD Drills
New and used directional drills from Vermeer, Ditch Witch, Universal, Toro, TT Technologies and other trusted brands. Fast financing built for HDD contractors.
Hydrovacs & Mud Systems
Keep every bore clean and every crew productive. Finance hydrovacs, vacuum excavators, mixing units and mud equipment built for the toughest HDD jobs.
Support Equipment
Every HDD job depends on the right support equipment. Finance trailers, locator systems, support trucks and the gear your crew needs to stay productive.
About HDD Financial
Financing built for the HDD industry
Traditional lenders don't understand HDD. We do.
HDD Financial is a direct equipment funding source with over 50 years of construction equipment finance expertise. We've helped contractors finance directional drills, vacuum excavators and support equipment with fast decisions, flexible solutions and financing built around the way this industry really works.
Whether you're buying new equipment, used equipment, from a dealer, private seller or auction, we'll help you secure the funding you need — so you can focus on winning jobs, not fighting paperwork.
Because your business doesn't stop.
Neither should your equipment.
Built for Florida Contractors
Built for Florida contractors
We know how this industry works because we finance the equipment that keeps crews working. Fast approvals, flexible financing, and funding built for Florida's HDD contractors — not generic bank loans.
$1.17B
Florida is growing
Florida is investing billions in broadband infrastructure. The contractors with equipment ready will be the ones winning tomorrow's projects.
We know this industry
HDD financing that makes sense. We understand directional drilling, not just credit scores. We finance the equipment you actually use — from drills and mud systems to support trucks and trailers.
Fast approvals. Fast funding.
Don't lose the machine. Most approvals are completed within 24 hours, with funding sent directly to the seller so you can secure the equipment before someone else does.
How it works
Three steps. Most of it happens in a day.
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Get a decision
Our underwriters review your application and come back with a financing decision — typically within 24 hours.
What we do
- Credit review
- Equipment valuation
- Term options presented
03
Sign & fund
Review your terms, sign the documents electronically, and we fund directly to the seller. The equipment is yours.
Finalize the deal
- E-sign documents
- Direct seller funding
- Same-day wire available
Used · Auction · Private Seller
Found the machine?
Found the machine?
Don't let financing be the reason you lose it.
Banks often turn down used equipment, auction purchases, or older drill rigs. We don't. If you've found the right machine, we'll work to finance it — whether it's from a dealer, auction, or private seller.
Straight answers
Questions we get before you apply
What credit score do I need?
We work across a range of credit profiles. Bad credit isn't a dealbreaker — it's one factor among several, including your time in the trade and the equipment itself.
Can I finance used equipment?
Yes — dealer, auction or private seller. Used HDD gear is a big part of what we fund.
I'm a startup — can I qualify?
Often yes, with industry experience and a down payment. New businesses run by experienced operators are exactly who we look to help.
Does pre-qualifying affect my credit?
No. Pre-qualification is a soft look — no hard credit pull to see your options.
How fast can I get the money?
Decisions typically come within 24 hours, with a same-day wire available once you sign.
Not sure if you qualify?
You don't have to complete an application to get answers. Tell us what equipment you're looking at and what's holding you back. We'll help you understand your financing options.
Ask About Your Equipment
Pre-qualify
Ready to get your next machine?
Getting started is quick and simple.
- 2-minute pre-qualification
- No hard credit inquiry
- Fast approvals
- New & used equipment
- Dealer, auction & private seller
- Bad credit considered
Prefer to talk first?
Have questions before applying? Call us or send us a message.
You're pre-qualified to move forward.
Our team will contact you within 24 hours. To speed things up, have these ready:
- 3 months of business bank statements
- The equipment quote or listing
- Your driver's license