Heavy Equipment Financing 

With our comprehensive network of trusted lenders, Kirby-Smith Machinery’s team of experienced finance professionals are committed to making it easy and affordable to purchase the right equipment for your business.

Apply Online Download Application
 

Multiple Financing Options Provide Flexibility

Whether you are looking to buy, lease, or rent-to-own, we can help you find the best option for your needs.
  • Large Network of Trusted Financial Partners
  • Lease Financing
  • Capital Lease
  • Operating Lease
  • Conditional Sales Contracts
  • Rental Purchase Options
 
 

Construction Equipment Insurance

Construction Equipment Insurance is a helpful option to protect your equipment investment. We are proud to offer a comprehensive Physical Damages Insurance Program.
  • Easy Payments
  • Competitive Rates
  • Flexible Terms
  • Easy Enrollment

 

 
“We work extensively in Kirby-Smith's territory, so I contacted Jason. He had a price and paperwork for me the following day, and we set up the demo.”
- Trevor McAlevy, BGT Contractors LLC

Customer Spotlights 

 Frequently Asked Questions 

Find answers to the most frequently asked questions for Careers and Job Opportunities with our company.

You can find the Third Party Credit Application on this page to view, download, and complete. This application has language which allows us to submit it to our lenders on your behalf without requiring a separate application for each lender. This application does not supersede any applications that Kirby Smith’s credit team already has on file. You can complete the application via DocuSign as well.

Rates are constantly changing and will depend on credit scores. However, Kirby Smith’s finance team is committed to seeking the best financing option available for our customers. Our financing partners typically have low program rates available on new equipment and sometimes available for used equipment as well. We typically seek loans in the 12 months to 60 months range. However, we have longer termed loans available on some equipment.

Down payment requirements will vary depending on several factors. This factors include, credit score, age of equipment, previous comparable borrowing history, etc. Kirby Smith’s finance team will work with you to find you the terms that work best for you.

Yes! We have a long list of lender partners and can work with you to find the best possible option to fit your needs.

All of the finance team contacts can be found at https://www.kirby-smith.com/financing/financing. You can also contact them via the group email finance@kirby-smith.com