Buying construction machinery is a big investment. A single excavator or crane can cost as much as a house, so most contractors and builders would rather not pay for it all at once. A construction equipment loan lets you buy the machine now, put down only a part of the cost, and repay the rest in easy monthly EMIs from the income the machine earns.
Desi Machines helps you arrange that finance. We work with leading banks and NBFCs — including SBI, HDFC Bank and Bajaj Finserv — that fund heavy equipment across India, in big cities and small towns alike. Both new and good used machines can be financed, which helps a lot when a second-hand backhoe loader fits your budget better than a new one.
You can finance almost any machine that does real work on site — excavators, backhoe loaders, wheel loaders, cranes, compactors and road rollers, concrete mixers, motor graders and tippers. It also covers the brands buyers ask for most, like JCB, CAT (Caterpillar), Tata Hitachi and Komatsu.
Use the EMI calculator below to see your likely monthly instalment, then send us your machine and city. Our finance desk checks your eligibility, helps with the paperwork and gets your loan moving — no long queues and no confusing forms. Want the numbers for a specific machine? Open a model like the JCB 3DX or Hyundai R215 to see its price, down payment and EMI. Weighing two machines first? Compare models here, and once the machine is yours, remember to insure your equipment. Call +91 90 5147 5147 or reach the Desi Machines finance desk any time.
Loan amounts, interest rates and tenures are decided by the bank or NBFC based on your profile. Please confirm the latest terms with the lender or our finance desk before you apply.
Get a loan or EMI plan for the brands buyers ask for most. Pick a brand to see its models, prices and finance help from the Desi Machines finance desk.
Finance a new or second-hand JCB backhoe loader or excavator and repay in monthly EMIs that suit your work.
Fund Caterpillar (CAT) excavators, dozers and loaders with an EMI plan matched to your cash flow.
Get a loan for Tata Hitachi excavators and other machines, new or used, with simple paperwork.
Finance Komatsu excavators and heavy equipment with flexible tenure and quick approval.
Buy Hyundai excavators on easy EMI, with help on the down payment and documents.
Fund Sany excavators, cranes and more with a construction equipment loan.
Finance Volvo excavators and pavers, new or used, and pay in comfortable EMIs.
Get an EMI plan for ACE pick-and-carry cranes and other equipment.
Finance Mahindra construction machines with a loan that fits your budget.
Fund Kobelco excavators with a loan and EMI built around your work.
Finance XCMG cranes, loaders and excavators for sites across India.
Whatever machine you need, there is a finance option for it. Choose a category to check prices and apply for a loan with low down payment and easy EMIs.
Finance mini, midi and heavy excavators from JCB, CAT, Tata Hitachi and more.
Low-down-payment loans and EMI on JCB and other backhoe loaders.
Fund pick-and-carry, hydra and tower cranes with an easy EMI plan.
Finance payloaders and wheel loaders, brand-new or second-hand.
Get a loan for soil compactors and road rollers with flexible tenure.
Finance transit and self-loading concrete mixers on monthly EMI.
Fund motor graders for road and site work with a construction equipment loan.
Finance dozers for earthmoving and mining, new or used, on EMI.
You can fund your machine in a few ways — a straight equipment loan, an EMI plan, or a lease. Desi Machines works with leading banks and NBFCs such as SBI, HDFC Bank, Axis Bank, ICICI and Bajaj Finserv that lend against construction and mining equipment. Both new and used machines qualify, from JCB backhoe loaders and CAT excavators to cranes, compactors and concrete mixers. Tell us your machine and city, and our finance desk will suggest the option that keeps your EMI comfortable.
We offer EMI payment plans tailored to your needs and budget, covering equipment such as excavators, backhoe loaders, wheeled loaders, cranes, bulldozers, compactors, pavers, dozers, heavy-duty forklifts, skid steer loaders, dump trucks, mining trucks, and more.
Yes. Financing is available for brand-new machines and for good second-hand ones. Buying a used JCB 3DX, a pre-owned Tata Hitachi excavator or another second-hand machine is often the smart first step for a growing business, and many lenders fund used equipment at competitive rates. The machine you buy usually acts as the security for the loan, so you may not need to pledge extra property.
You can directly apply by filling out the form on our platform. Our experts will connect you and assist you through the process.
Yes, we only host verified and trusted finance providers to ensure reliability and security for our users.
Documents that are required for financing are identity proof (PAN), address proof, business registration documents (GST or other business documents), financial statements of income proof, bank statements, etc.
Interest on a construction equipment loan usually falls somewhere around 7% to 20% a year. Where you land depends on your credit score, the loan tenure, the lender, and whether the machine is new or used. A clean repayment record and a slightly higher down payment help you get a lower rate. Our finance desk can compare offers from different banks and NBFCs so you don’t overpay on interest.
There is no single fixed limit — the amount depends on the machine, your business and your credit profile, and lenders can fund anything from a single compactor to a fleet of excavators. You also choose the down payment: put in more and your EMI drops, while some lenders fund most of the machine’s cost so the upfront amount stays small. Share your budget and our team will tell you what you can borrow before you fill in any paperwork.
The finance approval takes 2-7 working days depending on the documentation process and evaluation process.
The prepayment process varies by provider. Some offer easy prepayment without charging any penalty and some charge a penalty fee. You must check with the finance provider to know the terms and conditions.
Yes, refinancing options are available. Refinancing can help reduce your interest rate or monthly payments. Contact us to explore refinancing opportunities.
Yes, we can bundle equipment insurance with your financing plan to safeguard your investment against unforeseen damages or losses.
Yes, pre-approval is available. Submit your documents for evaluation, and our finance partners will assess your eligibility and provide pre-approval based on your financial profile.
Reach out to our support team via the contact form on the Finance Page.
Desi Machines is a platform where you can see and compare construction equipment. It showcases images, brochures, features, technical specifications, brand details & dealer information. All these are taken from respective brand websites, brochures, and other public resources. We do not claim ownership of these materials and strive to ensure their accuracy. However, the disparity may happen and we advise users to verify directly with respective brands and dealers. Desi Machines is not liable for any inaccuracies or reliance on the information provided. Use of this website is at your own discretion.
Excavator 
Backhoe Loader 
Motor Grader 
Wheel Loader 
Crane 
Concrete Mixer 
Compactor 
Skid Steer Loader 
Concrete Pump 
Telehandler 
