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About Spates Financial
We finance commercial equipment for businesses judged too small, too new, or too specialised by the institutions that should be serving them.
Underwriting that reads the whole file
A credit score summarises the past. It does not know you just signed a three-year municipal contract, that the machine you're buying doubles your throughput, or that the slow quarter on your statements was a customer's bankruptcy rather than your own mismanagement.
We read the file. When something looks off we call and ask instead of declining and moving on. That takes longer than an automated decision engine — hours, not days — and it produces approvals that scorecards miss.
It also means we say no clearly when the answer is no, with the actual reason and what would need to change. Nobody benefits from a maybe that drags on for two weeks.
What you can expect
- A response to every application within one business hour
- A named person on your file from application through funding
- Terms quoted as a specific payment, not a rate range
- Conditions disclosed at approval, not discovered at signing
- A direct answer when the answer is no
Replace before launch
This page ships without company metrics on purpose. Any "$X million funded" or "X businesses served" figure you publish needs to be accurate and substantiated — so add yours here rather than inheriting an invented number. The same applies to any testimonials.
Ready to put the equipment to work?
Send us the quote, the listing, or the auction lot. We'll come back with a structure and a payment today.