Florida is the busiest construction market in the Southeast and one of the fastest growing trucking markets in the country, which means dealer lots move quickly and good used equipment does not sit. Financing that takes three weeks loses the machine. We work on a 24 to 48 hour turnaround for options, with a soft inquiry until you accept.
Florida deals we see most: site work and land clearing in the I-4 corridor and Southwest Florida, drayage and regional trucking out of Miami, Tampa, and Jacksonville, landscaping fleets adding skid steers and trailers, and citrus, vegetable, and nursery operations financing tractors and irrigation. Each goes to a lender that already understands that business.
Who we finance in Florida
What is driving equipment demand in Florida
- The Moving Florida Forward program is accelerating major highway projects statewide.
- More than 500 megawatts of data center capacity is in the pipeline, including a 300 megawatt campus in Polk County.
- Warehouse construction near the ports continues at one of the highest rates in the country.
We work with businesses across Florida, including Miami, Tampa, Orlando, Jacksonville, and Fort Myers, and the rural counties in between.
Sales tax and income tax on equipment in Florida
Tax rules change and depend on your facts. Confirm with your accountant before relying on any of this.
Trucks, trailers, and titling in Florida
- Apportioned registration through FLHSMV covers power units only. Semi-trailers register at the county tax collector.
- No state safety inspection and no weight-distance tax.
- Off-road equipment is not titled. The lender files against the serial number on the manufacturer's statement of origin or bill of sale.
Where Florida buyers find equipment
We finance equipment from any dealer, auction, or private seller. Dealers and auctions our Florida customers use include Ring Power (north and central Florida), Kelly Tractor (South Florida), Ritchie Bros. Davenport yard outside Orlando, home to one of its largest auctions every February. Get pre-approved before you go so the seller sees a buyer who can close.
Equipment we finance
Excavators · Dozers and loaders · Skid steers · Semi trucks · Trailers · Farm equipment · Cranes and lifts
About financing in Florida
Equipment financing in Florida is arranged through Land Tech Capital's network of third-party lenders and lessors. Land Tech Capital is a New York based commercial finance broker, not a lender, and does not hold a Florida license. Your financing agreement will be with the lender or lessor, who provides any disclosures Florida law requires. No fee is charged to you before funding, and we are paid by the lender when a deal closes.
Questions we get
Can a landscaping company finance a skid steer and trailer together?
Yes. Most programs will bundle the machine, attachments, and the trailer on one contract, which keeps one payment and one soft inquiry.
Is farm equipment really tax free in Florida?
Power farm equipment and irrigation equipment used in agricultural production are exempt from Florida sales tax on purchase, lease, and repair. Your seller needs the exemption certificate at the time of sale.
Do you finance trucks for Florida port drayage?
Yes, day cabs and sleepers for drayage and regional work are common files. Time in business, personal credit, and truck mileage drive the program.
