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Equipment Financing FAQ'sFinancing Frequently Asked Questions

  

We work hard to make sure you know exactly how the process works and how we work to get you an approval.  When you apply we will assign a rep to you specifically so you have a main contact to deal with during the process.  We are here to get deals done so feel free to ask questions.

 

  Easy One-Page Financing Application

  Get Short Term Working Capital WOW!

  A, B, & C Credit Programs Available

   Invoice Factoring Program Available

  650+ Credit For A & B Programs

  We Have A Program To Fit You!

  $100,000 Min. In Annual Sales

  Approvals Typically In 24-48 Hours

  No Start-up Companies   Easy Approval Process
  We Finance Nationwide   Questions? Call 888-595-4422

 

Get Equipment Financing Answers:

 

 What is the difference between a lease and loan?

We do offer both lease and loan financing options for the construction and machine tool industries. Most equipment today is done as a lease. This is because you can get into a lease for the least money down - many times just first and last payment. With a lease you have the option to buy the equipment at the end of the lease. This buyout sometimes is 10% or sometimes just $1.00 depending on how the lease is structured. A loan usually requires a larger down payment and does not get you many of the tax benefits.

 

   Is my credit good enough to get my equipment financed - and what are your rates?

We approve all types of credit for different equipment. The answer to this question depends on 4 things, which are:

1. Personal Credit Score
2. Length of Time in Business
3. The Cost & Age of what you are buying as well as the equipment itself.
4. For some more challenging credits collateral or financial disclosure may be involved.

These factors go into determining the approval of the equipment you are purchasing. These same 4 factors will also determine the rate  Because of all these things we have rates ranging from 6% to very high rates for high risk deals.

 

  What is the maximum age of equipment that you can finance?

Equipment that is older than 10 years old presents the greatest issues. We do finance older equipment but anything older than 10 years is typically an auto decline for us in both the construction and machine tool industries.

 

  I own equipment but need cash - Can I get cash up front & make lease payments?

This is known as a sale-lease back and yes it can be done. The amount of cash you can get upfront depends on the equipment you own, credit score and time in business.  Sale-Lease Backs are very expensive and we usually on do this as a last resort.  We would suggest you do invoice factoring instead if at all possible.

 

  Can I pay the lease/loan off early?

There are normally options to pay off your lease or loan early. However, there are usually not significant advantages or penalties to doing so.  Typically most deals are structured so that you own the construction or machine tool at the end of the financing term.

 

  What type of information will I need to provide to get an approval?

Usually, we can approve many deals with just our application and a quote from the dealer on the equipment you are buying.  Because we want to give out as many approvals as possible we may ask you for bank statements, tax returns, or a listing of the collateral you have if we cannot get you approved with the basic information.  We only ask for this information if it is needed to support your financing request and get you an approval.

 

 How long does the financing process take?

Normally, once we have your application we can have an answer for you within 24-48 hours. Once you are approved and accept the terms and conditions you can expect the process to take about a week for final docs and funding.

 

 What happens after I am approved?

Once you have accepted the terms and conditions you will be emailed or sent lease/loan documents. These will be signed and returned by you and you will also be required to obtain insurance on the equipment. Once the documents are executed and returned, we will fund the vendor or individual you are buying the equipment from and they will release it to you.

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Equipment Financing Options Equipment Financing Process Equipment Financing Highlights

Equipment Financing Options

 Equipment Financing Process

Equipment Financing Highlights

We have several financing options, such as;  simple interest loans, $1.00 out leases , 20% residual financing and straight FMV financing.  Tell us your equipment financing goals and let us construct the best equipment financing package for you!

  • Application Only Programs

  • $1.00 Out Leases

  • FMV Financing

  • & More!

Once you have completed our one-page application we will review it in our office.  Financing amounts for equipment normally can be approved without tax returns or financial statements.  Once your financing application is approved, which normally takes about a day, we will call you to go over the terms and conditions of your approval on the equipment.  Once you accept the terms, financing documents will be prepared so that your vendor can be paid and you can get the equipment to grow your business.

  • New & Used Equipment

  • Leases or Loans

  • Terms up to 72 months

  • Financing for $20,000 and up

  • 3+ Years Time in business required

  • No Private Party Sales

  • Lower credits will require a financial package &/or collateral listing.

  • We want to know your companies story to help the approval process!

     

* For Qualified Applicants

* We Reserve The Right To Reject Any Application

* A1A Highway & Construction Equipment Financing is now U.S. Financial

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