Financing
Two things we can help you with.
Buying equipment, or waiting on invoices. Tell us which, and we match you to funding partners.
Buying equipment
You found the machine and need to pay for it. We arrange financing through our funding partners so you keep your cash and put the equipment to work now.
Waiting on invoices
You did the work and your customer pays in sixty days. Factoring advances most of that invoice now so payroll and fuel do not wait on their schedule.
Where our partners can go.
Taken together, this is the ground our funding partners cover. Individually every one of them draws its line somewhere different, and that line moves depending on the asset, the industry, and the file.
Amount
$10,000 to $5 million
Smaller tickets are usually quicker and need less paperwork. Larger ones need financials and take longer to underwrite.
Credit
Strong through challenged
Thin files, discharged bankruptcies, past tax liens, and prior slow pay are all workable with the right partner and a real explanation.
Time in business
Day one and up
A few programs work with brand new operations, usually with a stronger guarantor and a lower ceiling.
Equipment
New and used
From a dealer or a private seller. Age limits vary by partner and by what the machine is.
Being inside these ranges does not mean a deal will be approved, and being outside them does not always mean it cannot be done. Funding partners make every credit decision. The quickest way to find out where you stand is to ask us.
Where we know the market.
Trucking and transportation
Work and vocational trucks, dump, tank, box, flatbed, service bodies, and trailers. Freight receivables including newer authorities.
Construction
Excavators, skid steers, loaders, dozers, backhoes, compactors, lifts, and attachments. Subcontractor receivables.
Shop and production
Machining, welding, fabrication, material handling, packaging, compressors, medical and dental.
Services and supply
Staffing, manufacturing, government contracting, and supplier receivables.
Outside this list is still worth a call. If we cannot help we will say so quickly and tell you why.
What we need, and when.
To get started
Your business name, your state, what you are financing or invoicing, roughly how much, and how long you have been operating. A few minutes and nothing else.
If you continue
A signed credit authorization and whatever the funding partner requires. You get that list once we know which partner we are working toward, so you are not gathering paperwork you may not need.
Before funding
Insurance, signed documents, and any conditions the partner sets. We give you these at submission so nothing surprises you at the end.
Your credit
Nothing is pulled from the first request. Authorization is a separate step you sign, and nothing goes to a funder before that.
Have a quote or an invoice in hand?
Start there. We will look at it and tell you what we are seeing.
Common questions.
- What equipment can be financed?
- Trucks, trailers, excavators, loaders, shop and production equipment — new or used, from a dealer or a private seller. Loans and leases depending on how you want to own it.
- How does invoice factoring help?
- Factoring advances most of an invoice for work you have already completed so payroll and fuel do not wait on a sixty-day customer. Common in freight, staffing, contracting, manufacturing, and supply.
- What amounts and credit profiles work?
- Typical tickets run from about $10,000 to $5 million. Strong through challenged credit can work with the right partner, including thin files and discharged bankruptcies when there is a real explanation.