Frequently Asked Questions

What can I finance?

Generally you can finance any type of equipment that is used for your business; construction equipment, landscaping equipment, machine tools, trucks, etc.

How much can I finance?

We will finance 100% of the equipment cost assuming that your credit is satisfactory.

How long are the terms?

Finance terms range from 24 to 60 months for most equipment. The term is arranged depending upon your needs and credit strength.

What happens at the end of the finance term?

Most commercial financing agreements today are written so that you own the equipment at the beginning of the contract. We do not write contracts that cause artificial extensions at the end of the term.

How long does it take to get an approval?

It typically takes less than 24 hours to receive approval after your application and supporting documentation is received. Many approvals are same-day.

What information will you need to make a financing decision?

For privately owned businesses we often need only your completed application. Depending on the amount financed, we may also require bank statements. For larger, more complicated deals, we may require tax returns.

Why don’t I just go to my bank for a loan?

In today’s credit environment many banks have stopped or reduced lending on equipment. Those banks that are still lending will require substantial down payments and shorter terms. We can provide zero down payment and longer terms as well as next day answers and fast funding. Banks may take weeks to provide answers and funding; we can provide same-day approval.