Question 1

What credit score do I need for equipment financing?

Accepted Answer

Most of our programs are built for contractors with a personal credit score of 650 or higher, but we look at the whole picture — your time in business, revenue, and the equipment you're buying. A lower score doesn't automatically disqualify you.

Question 2

New or used equipment?

Accepted Answer

Both. We finance new and used equipment from dealers, auctions, and private sellers. Used machines typically cost 30% to 50% less than new and can work for years with proper maintenance.

Question 3

Can I finance equipment from a private seller?

Accepted Answer

Yes. We finance private-party equipment sales all the time. The lender verifies the machine, checks for existing liens, and pays the seller directly — so you're protected from buying a machine someone else still owes money on.

Question 4

How long does it take to get approved?

Accepted Answer

The application takes about five minutes. Our lending partner reviews your file and gets back to you quickly — no weeks of waiting.

Question 5

What do I need to apply?

Accepted Answer

Basic business information, your EIN, owner information, and equipment details with a quote or listing if you have one. That's it — one application, no mountain of paperwork.

Question 6

Can I finance attachments with my machine?

Accepted Answer

Usually, yes. Buckets, thumbs, breakers, forks, and other attachments bought on the same invoice can typically be included in the same financing.

Question 7

Do you finance equipment in my state?

Accepted Answer

Yes. We work with contractors across all 50 states — wherever the work is, we can fund it.

Question 8

Is there any obligation to apply?

Accepted Answer

No. Submitting an application is not a commitment. You'll see your options before you decide anything.

Equipment Financing FAQ

Still have questions?