Pre-qualify in 60 seconds.
No hard credit pull. No commitment. Just enough to tell you what's possible — and route your file to the program most likely to fund it.
Prefer the form? Four fields. We'll call you back the same business day with what your deal looks like.
No hard credit pull on this form. We'll call within one business day with a sense of what's possible. Faster answer by phone: 208-534-8525.
What happens after you submit
- Confirmation email lands in your inbox. Usually inside 30 seconds. If you don't see it, check your spam folder.
- A real person from TAC calls you back same business day. Not a voicemail, not a chat bot, not an overseas call center. Spencer Sessions or one of his account managers, calling from Kaysville, UT.
- We walk through your file on the phone. Equipment, time in business, credit profile, down payment available, what you're trying to achieve. 5–10 minutes.
- You leave the call knowing the deal. Credit tier we'd fund it at, expected down payment, expected monthly payment, documents we'd need to close. No surprises later.
- If the math works, you apply. Full application takes about 15 minutes, signature authorizes the credit pull. App-only deals typically fund in 3–5 business days.
What this pre-qualify is — and what it isn't
It IS
- A conversation starter — four fields, two minutes
- A no-pressure way to see if your deal pencils
- How most TAC customers start when they're not sure they qualify
- The right path if you're shopping equipment but haven't picked the exact unit
It ISN'T
- A formal credit application (that's /apply/)
- A hard credit pull — no impact to your score
- A commitment to fund or be funded
- How you should start if you already have a deal closing this week (call instead: 208-534-8525)
Frequently asked questions
Will this hurt my credit?
No. The pre-qualify form runs no credit pull of any kind. The credit pull happens later, only if you decide to move forward with the formal application.
What credit tier do you work with?
All of them — prime (700+), mid-tier (620–700), sub-prime (under 620), prior bankruptcy, and startups with no business credit. The credit score alone doesn't decide the deal. The combination of credit, down payment, equipment, time in business, and industry experience does.
How fast can you fund my deal?
Most app-only equipment deals fund in 3 to 5 business days from a complete application. Larger full-financials deals run 7 to 14 days. SBA loans take 45 to 90 days.
Do you finance startups?
Yes. Startup financing is one of our specialties. First-time owner-operators in trucking, first-time contractors in construction, first-time shop owners in manufacturing — we have programs built for sub-2-year-in-business operators with strong personal credit and a meaningful down payment.
Do you finance used equipment?
Yes. Year and hours caps depend on the program, but we have options for used equipment well outside the dealer finance company's typical age limits. Older trucks (10+ years), high-hour construction equipment, used machine tools — all financeable.
What's the down payment look like?
Depends on credit, time in business, and the equipment. Strong-credit established operators often qualify for zero down. Mid-tier credit typically requires 10–20% down. Startups and sub-prime credit usually require 20–30%. We'll tell you upfront what's needed to make the deal work.