Kentucky & Middle Tennessee

Iron When
You Need It.
Financing
When Others
Said No.

123 Iron sells skid steers and mini excavators for working contractors -- with in-house financing for guys who have been turned down by banks. We look at what you do, not just your credit score.

Get Pre-Approved View Inventory
123
Working Iron
In-House Financing
Self-Serve Inspections Welcome
Cash Discounts Available
Fast Approval Decision
Simple Process
Three Steps.
Get to Work.

We cut out the runaround. Apply online, get a straight answer fast, and get your machine working for you.

01

Apply in Five Minutes

Fill out our short application online. Tell us about your business, your experience, and which machine you are looking at. No lengthy paperwork, no guessing games.

02

Get a Straight Answer

We review your application and call you back fast. We look at your work history and equipment experience -- not just a number on a credit report. You will know where you stand quickly.

03

Come Get Your Machine

Self-serve inspections are welcome anytime. Once you are approved and ready to move forward, we make the paperwork simple and get you on your way. Cash buyers always welcome too.

Who We Finance
We Finance
Working
Contractors.

Banks look at credit scores. We look at the whole picture. If you have been running a business and have the work to support a payment, we want to talk.

  • General contractors and subcontractors in construction, excavation, and site work
  • Landscaping and land clearing operators who need compact equipment to grow
  • Owner-operators building their first machine into a business
  • Contractors who have been turned down elsewhere due to credit history
  • Buyers with established work who need a lender that understands the industry
Our Philosophy
We Are Not a Bank. We Are Equipment People.

We have spent years in equipment finance and we know the difference between a credit score and a creditworthy contractor. A guy with jobs lined up, a machine to run them with, and skin in the game is a better bet than a number on a report says he is.

If you have been turned down before, call us before you give up. Larger equipment needs? We can help source and finance that too -- just ask.

Start Your Application
Current Inventory
Machines Ready
to Work.

Skid steers and mini excavators priced honestly. Self-serve inspections welcome -- come look on your schedule, no appointment needed.

Runs & Drives
UNIT PHOTO
COMING SOON
[Year] [Make] [Model]
[X,XXX] Hours  ·  Skid Steer
$XX,XXX
Cash Discount Avail.
Est. Payment from $XXX/mo with financing
Apply to Finance This Unit
Good Condition
UNIT PHOTO
COMING SOON
[Year] [Make] [Model]
[X,XXX] Hours  ·  Mini Excavator
$XX,XXX
Cash Discount Avail.
Est. Payment from $XXX/mo with financing
Apply to Finance This Unit
Mechanic's Special
UNIT PHOTO
COMING SOON
[Year] [Make] [Model]
[X,XXX] Hours  ·  Skid Steer
$XX,XXX
Cash Price Only
Sold as-is. Cash or outside financing only.
Call to Inquire

Inventory changes frequently. Call or text us for current availability and units not yet listed online.

Call (000) 000-0000
Get Pre-Approved
Five Minutes.
Straight Answer.

Fill out the short form and we will be in touch fast. No obligation. No lengthy paperwork. Just a real conversation about what you need and whether we can make it work.

  • We do not use credit score alone to make decisions
  • We look at your work history and equipment experience
  • Previous turnodowns are not an automatic no with us
  • Need a larger machine not on our lot? Ask us -- we can help source and finance it
  • Cash buyers always welcome with discounts available
Start Your Application

By submitting you agree to be contacted by 123 Iron regarding your application. We do not sell your information.