Business equipment financing: one application, every credit tier, any vendor.

If your deal fits any of these, you're in our wheelhouse

• Strong-credit operators who want the convenience of an equipment-finance specialist over the bank's paperwork shuffle
• Established businesses scaling fleets that need fast underwriting without the bank back-and-forth
• First-time buyers (owner-op going independent, new contractor, new practice)
• Prior BK: discharged Chapter 7 or 13
• Used iron inside our age brackets. Heavy yellow iron 15 yr, light/medium 10 yr, trucks 8-10 yr, trailers 10 yr, box trucks 6 yr, reefer 6 yr
• B and C-credit buyers turned down by their bank
• Established operators with recent credit hits
• Startup trucking operators with a strong down payment
• Operators who want one financing relationship across many dealers

The dealer's finance company has one credit box. Banks have lots of paperwork. We have programs across every credit tier. Strong credit usually gets zero down, lower credit usually gets a higher down payment, and it's rare we send anyone away without an option.

No one bank beats our flexibility.

How we structure deals

1. You call us or send the application. Three-minute phone diagnosis or 60-second pre-qual form.
2. We underwrite your profile. Terms based on credit tier, equipment age, time in business, industry, and what's funding today. We're a fishing guide for commercial finance.
3. We bring real terms. Not "rate starts at" marketing numbers. Down payment, monthly payment, term, and what we'd need to close.
4. You sign and get insurance, the equipment funds. Direct to the dealer or vendor. DocuSign close in many cases.

From first call to funded equipment, most deals close in a week or less.

What we don't finance

• Auction purchases
• Private-seller purchases
• Glider trucks
• Repairs to existing equipment
• Refinances of current loans (cash-out refi on free-and-clear equipment only — call for details)