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 Flexible Financing for Used Equipment 

Fast Approvals for All Credit Types

Financing used equipment shouldn't slow you down. At Kirby-Smith, we offer fast, flexible financing for all makes, models, and ages - backed by a team with over 80 years of combined industry experience.

Apply Online  
 

Flexible Financing Options for Used Equipment

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

 

Why Finance With Us

Why Contractors Choose Kirby-Smith Financing.
  • Fast approvals — many deals same-day
  • Finance all makes, models, and ages
  • Access to multiple lenders - not just one option
  • Structures tailored to cash flow (seasonal, step payments, etc.)
  • Experienced team specializing in heavy equipment financing
 

 

Warranty and Preventative Maintenance Programs

Kirby-Smith offers convenient programs for your used equipment purchase.  Whether you are looking for an extended warranty, a PM program, or both, we can help you find the right solution to meet your needs.

Learn about Extended Protection Plans

 

Flexible Financing Built Around Your Needs

Strong Credit?
  • Fast-track approvals
  • Application-only programs
  • Competitve rates

 

Building Credit?
  • Flexible options still available
  • Customized structures and down payments
  • Talk with our team to find the right path forward
 

 
“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 

 

               

Kirby-Smith Machinery has partnered with Nuvo to make your credit application process simple and fast. Apply online, get verified securely, and receive a decision quickly — no paper forms, no back-and-forth delays. Just a straightforward path to getting your account set up so you can get to work.