How a Texas contractor funded a 12-truck fleet expansion
A Dallas excavation contractor used equipment financing to add twelve trucks in under three weeks without draining working capital.
Amount Funded
$485,000
Financing
Equipment Financing
Industry
Construction
Location
Dallas, TX
The Challenge
A growing excavation contractor had won a multi-phase municipal contract that required a larger fleet — but paying cash for twelve additional trucks would have drained the working capital reserved for payroll, fuel, and insurance. Traditional bank equipment loans moved slowly and demanded two years of audited financials the business did not yet have.
The Solution
Nifty matched the contractor to an equipment financing path structured around the contract's payment cadence. The application captured fleet specs, contract value, and cash-flow context in a single profile, and the capital desk sourced a lender comfortable with the project backlog rather than audited history.
The Outcome
Twelve trucks were funded and delivered within three weeks. The contractor preserved its working capital reserve, took on the municipal contract at full capacity, and refinanced the package at a lower rate six months later once the contract demonstrated consistent revenue.
"Nifty understood that our contract was the asset, not our balance sheet. We got the trucks and kept our cash."
Want results like these?
Build your capital profile and get matched with the right financing path.