Asphalt Business Financing Solutions


Get the Right Equipment and Supplies to Propel Your Growth

Finding the right financing solution shouldn't be a hurdle. We connect you with multiple reputable partners, offering various options to suit your needs. Whether you’re launching a new asphalt business or expanding, our financial solutions help you achieve your goals.


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clicklease - Buy-in-12 Promo

Available in United States

Finance now with our hassle-free early purchase option!
Pay your lease within the first 12 months with one lump payment for the entire invoiced amount and save!

All Credit Scores WelcomeAll Credit Scores Welcome

Solutions available for great credit, bad credit or no credit.

Pick Your PaymentPick Your Payment

Choose the payment and lease terms that best fit your budget.

Amazingly Fast ProcessAmazingly Fast Process

Apply in 4 minutes and be able to complete your purchase in 10 minutes.

Instant Approvals Up to $20,000Instant Approvals Up to $35,000

As good as cash in hand, not just a pre-qualified amount.

No Hard Credit PullSoft Credit Pull

Risk free application and no impact to your personal credit score.



Tax BenefitsTax Benefits

Your lease payments may be fully tax-deductible as a business expense.

7 Figures Funding

Funding Solutions Simplified — Available in United States



Secure the right Unsecured Term Loans available for you and your business. Choose 3, 5, and 7 year rates.

Lines of CreditLines of Credit

Access a Line of Credit with a Bank or Credit Union in the U.S. Treat this just like cash with monthly minimum payment.

REVOLVING LINES OF CREDIT Revolving Lines of Credit

Receive the best Revolving Lines of credit you and your business qualify for — 0% interest for up to 15 months.


Qualify for traditional business loans, SBA, and more on credit & business financial approval.

Get pre-qualified in minutes with no negative impact to your credit
Rates as low as 0% for up to 18 months



Available in United States and Canada

Buy now and spread the costBuy now and spread the cost

Available for supplies and packagesAvailable for supplies and packages

No hard credit checkNo hard credit check

  •  Monthly payment option available on orders $250 – $10,000
  • Select payments from 6,12, 18, 24, or 36 months
  • APRs from 0–24% (most will be approved for 0–8%)
  • Only require last 4 of SSN
  • No hard credit checks, will not affect credit score
  • For Canada only: Order total (including shipping and taxes) must not exceed $4,000 CAD
  • For Canada: Must be approved by Klarna and order must be within the personal spending limit

    Shop Packages Now 

     Shop Supplies Now

Paramount Financial


Paramount Financial

"Financing through them was the best decision we made. It allowed us to start with the right equipment and grow faster than we ever imagined." - Darrell C.

"The manageable monthly rates helped us maintain our cash flow and take on larger projects with confidence." - Sarah K.

"Thanks to their financing options, we could upgrade our equipment without draining our savings." - Earl R.

The Importance of Asphalt Financing

Financing plays a crucial role in both starting and growing an asphalt business. For new contractors, getting fresh funds can mean the difference between getting off the ground or staying stuck on the launchpad. For those already in the industry, financing gives you the power to purchase new equipment, cover operational costs, and expand your fleet to take on bigger, more lucrative jobs.

Without proper financing, growth is stunted, and opportunities are missed, making it harder to reach your ultimate goal of financial freedom. With the right financial support, you can take on larger projects, work more efficiently, and hugely boost your profitability. By truly understanding your financing options, you can start to make genuinely smart decisions that help your business thrive and bring you closer to achieving long-term success.

Let’s take a look at the ins and outs of asphalt financing, and how you can use it (smartly) to fuel your dreams. 

Types of Asphalt Financing

U.S. Government Small Business Loans for Asphalt Financing

The U.S. Small Business Administration (SBA) offers several loan programs that can be a real game-changer for small businesses, including those in the asphalt industry:


Small, short-term loans for various business needs.

504 Loans

Long-term, fixed-rate financing for major fixed assets.

7(a) Loans

 Flexible loans for a wide range of business purposes.


A big advantage of SBA loans is that the SBA guarantees a portion of your loan, reducing the risk for lenders and making it easier for you to get approved. These loans come with great terms and can be used for buying equipment, covering operating costs, or expanding your business. The application process is straightforward, and these loans can provide the boost you need to get started or grow your business.


ClickLease for Asphalt Financing

ClickLease is a solid option for financing asphalt equipment, especially for those with, let’s say, less-than-perfect credit. As a partner of Asphalt Kingdom, ClickLease offers:

  • Financing up to $20,000: Helps you get the equipment you need without a huge upfront cost.
  • Instant approval process: Quick and easy application, so you can get started right away.
  • Flexible payments: Payments that can be written off as business expenses, making it easier to manage your cash flow and keep your operations running smoothly.


When you shop for asphalt equipment at the Asphalt Kingdom website, you have the option to click "Apply Now" if you want to finance it via ClickLease. 

To learn more about the ClickLease and Asphalt Kingdom partnership and what it can do for asphalt maintenance contractors, you can learn more about asphalt business financing through ClickLease.


PayPal Loans for Asphalt Financing


PayPal offers two types of loans that can be handy for asphalt contractors:

  • PayPal Working Capital Loans: These loans are geared towards users who have been using their PayPal Premier and Business accounts for more than three months. They offer quick access to funds, with a simple application process and no credit check required. Repayments are made as a percentage of your PayPal sales, which can help manage cash flow.
  • PayPal Business Loans: These require a minimum credit score and provide larger loan amounts with structured repayment terms. They are ideal for more substantial funding needs and offer predictable monthly payments.

Bank Loans for Asphalt Financing


Traditional bank loans are another option for asphalt contractors. Banks offer many solutions, such as:



Term Loans

Lump sum amounts that are repaid over a fixed period with a set interest rate.


Lines of Credit

Flexible financing where you can draw funds as needed and pay interest only on the borrowed amount.


While banks provide competitive interest rates, the application process can be lengthy and needs detailed documentation, including business plans, credit scores, and collateral. So it’s really just a question of how hard you want to work to secure those lower interest rates. 


Credit Cards for Asphalt Financing


Using personal or business credit cards can be a quick and convenient way to finance small equipment purchases and cover other expenses. In fact, It’s standard practice for many businesses to purchase essential equipment like crack fill machines or infrared asphalt heaters through their credit card. Some benefits include:

  • Building Credit History: Responsible use can help improve your credit score.
  • Rewards and Cashback: Many cards offer rewards programs that can provide additional value.

However, you have to be aware — high interest rates and potential debt accumulation are important risks, so it's crucial to manage credit card use carefully.

If you want to read about these asphalt financing options in more detail, check out our article How to Finance a New Business in the Asphalt Maintenance Industry.

Asphalt Financing for New Contractors

Starting your own asphalt business often means dipping into your own savings. According to the Chamber of Commerce, 75 to 80% of small business entrepreneurs use their own money to fund their ventures. However, financing, when done wisely, can be a great way to kickstart your business without draining your personal funds. Here’s how you can use financing effectively:



Buy Initial Equipment

Get the essential tools and equipment needed to begin operations.


Cover Start-Up Costs

Use funds to pay for permits, licenses, insurance, and other administrative expenses.


Marketing and Advertising

 Invest in marketing to attract your first clients and build your brand.


Working Capital

Make sure you have the cash flow to cover daily expenses and manage your business smoothly.

Asphalt Financing for Business Expansion

Upgrading Your Equipment Through Asphalt Financing


Upgrading your equipment can hugely improve your operational efficiency and output. Investing in newer, higher-capacity equipment or more efficient tools lets you take on larger projects and complete jobs faster, which will ultimately, boost your profitability. Financing options specifically for equipment upgrades include equipment loans and leases, which spread the cost over time and free up cash flow for other business needs.


Expanding Your Fleet Through Asphalt Financing


Expanding your fleet is key to growing your business and handling more jobs. Financing options for getting new trucks and equipment include:

  • Equipment Loans: Provide the funds needed to buy new vehicles and equipment, with flexible repayment terms.
  • Leasing Options: This lets you use the latest equipment without a large upfront cost, with the option to buy at the end of the lease term.

Using these financing options, you can expand your operations and take on more profitable projects, driving your business toward greater success.


Practical Tips for Successful Financing


Getting good financing deals for your asphalt business can be a smooth process if you follow these straightforward tips:

  • Maintain Good Credit: A good credit score increases your chances of approval and better loan terms.
  • Prepare a Detailed Business Plan: Create a solid business plan to show lenders your business goals, financial projections, and how you plan to use the funds.
  • Keep Accurate Financial Records: Lenders need to see your financial history, so keep everything organized and up to date.
  • Consult with Financial Advisors: Getting expert advice can help you choose the best financing options and manage your loans wisely and with a mind for the future.


Q: What are the best financing options for starting an asphalt business?

A: The best financing options for starting an asphalt business include SBA loans, microloans, equipment financing, and personal savings. SBA loans are particularly attractive because they offer favorable terms and government guarantees, reducing the risk for lenders.

Q: How can financing help expand my asphalt business?

A: Financing can help expand your asphalt business by providing the funds needed to purchase new equipment, expand your fleet, cover operational costs, and take on larger projects. This can lead to increased efficiency, higher capacity, and ultimately, greater profitability.

Q: What should I consider before applying for asphalt equipment financing?

A: Before applying for asphalt equipment financing, consider your credit score, the total cost of the equipment, repayment terms, and how the new equipment will impact your business operations. It's also important to prepare a detailed business plan and keep accurate financial records to improve your chances of approval.

Q: Are there financing options for asphalt contractors with bad credit?

A: Yes, there are financing options for asphalt contractors with bad credit. Companies like ClickLease offer equipment financing specifically for those with less-than-perfect credit. Additionally, exploring SBA microloans and alternative lenders can provide viable options.

Q: How can I improve my chances of getting approved for asphalt business financing?

A: To improve your chances of getting approved for asphalt business financing, maintain a good credit score, prepare a comprehensive business plan, keep accurate financial records, and consider seeking advice from financial advisors. Demonstrating a clear plan for how you will use the funds and how it will benefit your business can also increase your likelihood of approval.

Don't let interest get in the way of growing to the next level. It's an investment in your business's future. Get the support you need to succeed.

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