Talk to a real person about your equipment deal — free, 5 minutes.
Bring the equipment price, what you're using it for, and a rough sense of your credit. We'll tell you what your monthly payment would look like, what down payment to expect, and whether to apply.
No application required. No credit pull. Real person on the line.
What we'll cover
- What you're financing — equipment type, age, vendor or private seller, total price.
- What you'd qualify for — based on credit profile, time in business, and current commercial credit, an honest read on which of our 30+ program partners is the right fit.
- What it would cost — estimated down payment range, term length, monthly payment, and what we'd need from you to formally apply.
What we won't do
- We won't sell you a deal we can't fund. If three minutes on the phone tells us this isn't a fit, you'll hear that directly.
- We won't pull your credit during the consultation. No inquiry on your report.
- We won't ask for bank statements after we tell you you're approved. Anything underwriting needs, we tell you up front.
- We don't do consumer financing — no home loans, no personal vehicles, no unsecured credit. If that's what you need, we'll point you elsewhere.
Pick a time that works.
5 minutes by phone. We'll call you at the number you provide when booking.
What this looks like in practice
Diane and Mark, a husband-and-wife OTR team, found us on Google and called the main line. Spencer answered in person — they were so startled they hung up thinking it was a wrong number, then called back to confirm it was a direct line.
They'd been pre-approved by a lender and were ready to close. Or so they thought. The bank then asked for bank statements as a stipulation, and afterward declined the deal for not meeting their requirements. Bait and switch. Hero then villain.
Their cash-heavy operation didn't show strong on paper — but they'd never missed a payment on their previous truck.
Within three minutes Spencer had diagnosed the deal as a fit for one of our programs. He told them exactly what to expect — one-day approval, what to send, strong chance of zero down based on prior commercial credit, three-day closing.
Diane's response: "Thank you. You are way more thorough and straightforward than the other company was."
Kenworth W900, $90,000. Approved. Then negotiated to zero down by structuring a third-party warranty in place of the dealer warranty. DocuSign close. Funded. Truck delivered.
That conversation started as a 5-minute consultation. It works.
Prefer to skip the call and just apply?
If you're already decided on the equipment and want to start the application directly:
Start an Application Pre-Qualify in 60 Seconds
Or call 208-534-8525 directly — same real person.