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Used heavy equipment financing
Plenty of lenders stop at five years and 3,000 hours. Most working iron is older than that. We underwrite used equipment on condition and documented value, not just model year.
Equipment and assets covered
- Machines up to roughly 15 years old considered
- Auction and private-party purchases handled end to end
- Third-party inspection arranged where value warrants
- Title and lien work managed on private-party deals
- Shorter terms offset older assets rather than declining them
ConstructionThree steps to funded
Apply
About five minutes. Business details, the equipment, and an authorised signature.
Underwrite
We review credit, time in business, and the asset, then come back with a specific structure.
Fund
Documents go out electronically. Once signed, we pay your vendor directly.
Used heavy equipment financing questions
Because recovery value is harder to model and the collateral depreciates unpredictably. We manage that with inspections, larger down payments, and shorter terms rather than a blanket no.
Often, on higher-value or older units. We'll tell you at approval whether one is required and typically arrange it ourselves.
It adds title and lien steps, which we handle. From your side the process is the same — we pay the seller directly once everything clears.
Pre-qualification uses a soft pull, which does not affect your score. A hard inquiry is run only once you accept terms and ask us to prepare documents.
Requests up to $150,000 are typically application-only for established businesses: one page plus the equipment quote. Above that, expect to provide two years of business tax returns and recent bank statements.
Other financing we do
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.