Get Competitive Terms & Rates for Equipment Vendor Financing
Manage cash flow while you scale. We structure deals across credit bands (A–D), with terms up to 84 months to keep monthly payments affordable for your customers—and repeatable for your sales motion.
Why Choose Vendor Financing with Liberty Capital Group, Inc.?
- Corp-Only Options: True business underwriting for qualified corporations.
- Up to 120% of Equipment Cost: Finance asset plus tax, delivery, install, setup.
- Fast Approvals: One-page app; many files see next-day funding approval.
- $0 Down (Qualified): Keep cash in the business when it matters most.
- Competitive Rates: Market-driven pricing for qualified borrowers.
- No Prepayment Penalties: Pay off early without an extra hit.
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All the info and tools you need to embed financing in your quotes.
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Financing vs. Leasing—Which Fits the Deal?
What Is Equipment Financing?
- Purpose: Purchase equipment with fixed terms that align to useful life.
- Features: Secured by the asset; predictable amortization.
- Benefits: Acquire critical gear without large upfront cash outlay.
What Is Equipment Leasing?
- Purpose: Use the asset now; choose end-of-term options later.
- Features: Fixed payments; potential purchase option at end.
- Benefits: Lower upfront cost, potential tax treatment, easier refresh.
- Buyouts: $1 Buyout / Lease-to-Own, 10% option, or FMV (true lease).
Learn more: Why Lease Equipment? • Types of Equipment Leases
Cash Flow First
- Leverage fixed assets—don’t drain operating cash.
- Keep access to liquid cash for payroll, inventory, growth.
- Vendor pre-funding available up to 100% before delivery.
- Used equipment terms available up to 60 months.
What Do I Need to Apply?
- Online Application: Submit, upload, authorize. Soft inquiry first; lender may hard-pull post-approval.
- Equipment Invoice/Quote: Multiple vendors welcome; we can consolidate to one payment.
- Bank Statements (3–4 months): Verify inflows, balances for any down payment, and set up ACH.
After your application, a funding advisor will review timeline & expectations, present offers, and coordinate vendor payment instructions.
Industries & Equipment We Finance
Over-the-Road Trucks & Trailers
- Sleepers
- Dry Vans & Reefers
- Flatbeds, Step/Drop, Lowboys, RGNs
- Tankers
- Conestoga
- Dump: side, belly, end, hopper
- Live Bottom/Walking Floor
Yellow Iron (Construction)
- Backhoes
- Excavators (mini to XL)
- Skid Steers (tracked & wheeled)
- Manlifts & Telehandlers
- Graders
- Trenchers
Concrete & Materials
- Screeds
- Batch Plants
- Crushers & Conveyors
- Boom & Volumetric Trucks
- Shot Blasters
- Grinders & Polishers
Other Equipment
- Medical (with Doctor PG)
- CNC & Sawmill
- Delivery Vans/Trucks
- Office/Service Equipment
- Printing (Large-Format, 3D, Metal)
- Restaurant: Kitchen, Coolers, Walk-ins, Tables, Cases
Credit Requirements for Startup Financing
| Requirement | Details |
|---|---|
| Business Registration | Active entity or valid business license |
| Personal Guarantees | All owners to PG |
| Minimum Credit Score | Typically 625+ |
| Bankruptcy | No bankruptcies within the last 7 years |
| Tax Liens | No unresolved tax liens |
Eligibility depends on credit, industry, equipment type, and down payment strength.
Application-Only Program
App-Only up to $250,000 (higher with additional documentation). Low-doc options may apply if you meet minimum criteria.
Calculate Lease Payments
Instant estimates to align budget and cash flow.
Next Steps
Renewals, add-ons, or paying off a small balance? We’ll structure it.
Many customers return for multiple rounds of capital each year—since 2004.
What is Application Only Financing? Application only up to $250,000.
For some transaction, you might provide low documentations if you meet the minimum requirements for App-only transaction. See financing credit requirements here for more details.
Related Blogs
Easier to get than a traditional business loan
Less paperwork
Fast processing time
Less stringent requirements for qualifying
No collateral needed, the equipment is the collateral
May require less credit score for you and your business as well
Why Financing Matters
Affordability is paramount when investing in roll-off and garbage trucks. Financing offers the advantage of spreading the cost over an extended period, with loan terms of up to 84 months available. This results in reduced fixed monthly payments, making these high-ticket items more manageable for businesses.
Leasing equipment that depreciates in value can also preserve working capital. By avoiding large upfront expenditures, businesses can allocate funds towards hiring skilled personnel, marketing efforts, and other operational needs. Commercial truck categories of Heavy Equipment and many industries that can benefit from vendor financing.
Equipment Vendor Financing Programs
At Liberty Capital Group, Inc., we offer aggressive equipment vendor financing programs designed to meet the diverse needs of our clients. Our solutions typically involve two primary options:
– Equipment Financing: Spread the cost over time with fixed payment terms.
– Equipment Leasing: Opt for off-balance sheet financing with Fair Market Value (FMV) leases, providing flexibility at the end of the lease term.
Additional Financing Benefits Our financing options include:
– $99 for the First 6 Months: Start with minimal upfront costs.
– 90-Day Deferred Payments: Pay nothing for the first three months.
– Working Capital Loans: Access short-term cash flow solutions for immediate needs.
– Fast Approvals: Apply online for funding up to $250,000 with a Streamlined Process.
Our small business financing experts are available to guide you through the funding Process.
Despite technological advancements, loans, especially in equipment vendor financing, predominantly involve personal interaction with an underwriter to ensure as fraud prevention. Automation may not suffice, particularly when dealing with a third party like the vendor and the complexities of equipment purchase. In such scenarios, business owners are often better served by collaborating with a Business Loans Broker like Liberty Capital Group, Inc., who can steer them in the right direction.
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