Vendor Equipment Financing in Massachusetts
Stop losing sales to “I need to find financing.” Liberty Capital’s Vendor Equipment Financing Program lets you offer in-house financing at point of sale — your customers get approved fast, and you get paid in full within 24–48 hours. No more waiting on banks. No more deals dying in underwriting. We handle the credit, the paperwork, and the funding. You close the sale and move on to the next one. Partner with a licensed, direct lender that’s been funding equipment deals since 2003.
- Why Partner with Liberty Capital
- How Vendor Financing Works
- Benefits for Vendors & Dealers
- Benefits for Your Customers
- Industries & Equipment We Support
- Financing Programs Available
- Credit Guidelines & Approvals
- Why Not Banks or Captive Finance
- Vendor Financing FAQ
- Partnership Requirements
- Apply to Become a Partner
Why Equipment Dealers Partner with Liberty Capital
Your customers want to buy. But when they say “let me check with my bank” or “I need to find financing,” you know that deal is at risk. Every day of delay is a day they might change their mind, find another vendor, or lose the budget approval. Liberty Capital solves this by putting financing directly in your hands.
The Problem You Face
- Customers leave to “shop financing” and never return
- Bank approvals take weeks — deals die waiting
- Captive finance companies cherry-pick only A-credit
- You’re not a lender — you shouldn’t have to act like one
- Lost sales cost you revenue and momentum
The Liberty Capital Solution
- Offer financing at point of sale — close deals same day
- Approvals in hours, not weeks
- We work with A, B, and C credit — more approvals
- You sell equipment. We handle financing.
- Get paid in full within 24–48 hours of funding
Bottom Line: When you can offer financing on the spot, you control the sale. No more “let me think about it.” No more lost deals to competitors who offer terms. Your customer gets what they need, you get paid fast, and everyone wins.
How Vendor Equipment Financing Works
Our process is designed to be simple for you and seamless for your customers. Here’s how a typical deal flows:
Step 1: Customer Wants to Buy
Your customer is ready to purchase equipment but needs financing. Instead of sending them away to find a bank, you offer Liberty Capital financing right there.
Step 2: Quick Application
Customer completes a simple application (online or paper). App-only approvals up to $250,000 — no tax returns needed for most deals. Takes 5 minutes.
Step 3: Fast Credit Decision
Liberty Capital reviews the application and provides a credit decision — often same day. We’ll work with your customer to structure terms that fit their budget.
Step 4: You Get Paid
Once approved and docs are signed, we fund the deal. You receive full payment within 24–48 hours. No waiting 30, 60, or 90 days. Cash in your account fast.
Your Role: Sell equipment. Introduce financing option. Submit application. Get paid. That’s it. We handle credit analysis, documentation, funding, and customer payments. You focus on what you do best — selling and servicing equipment.
Benefits for Vendors & Dealers
- Close more sales — financing removes the #1 objection
- Get paid fast — full payment within 24–48 hours
- No credit risk — Liberty Capital assumes all financing risk
- No collection headaches — we handle all customer payments
- Higher approval rates — we work with A, B, and C credit
- App-only to $250K — fast approvals without tax returns
- Co-branded applications — your logo, our financing
- Dedicated account manager — single point of contact
- Dealer portal access — track applications and deals online
- Marketing support — promotional materials available
- Flexible programs — seasonal, deferred, $0 down options
- No volume requirements — one deal or one hundred
Benefits for Your Customers
When you offer Liberty Capital financing, your customers get access to programs and flexibility they won’t find at most banks:
- Fast approvals — credit decisions in hours, not weeks
- App-only up to $250K — no tax returns for most deals
- $0 down available — preserve cash for operations
- Terms up to 60 months — lower monthly payments
- Fixed monthly payments — predictable budgeting
- New & used equipment — flexibility in what they buy
- Startup-friendly programs — new businesses welcome
- Challenged credit options — structured deals for lower scores
- Section 179 tax benefits — potential write-offs
- Seasonal payment structures — match cash flow cycles
- 90-day deferred payments — start earning before paying
- Lease and finance options — choose what fits best
What This Means for You: More of your customers will qualify. More will be able to afford the equipment they need. More will buy from you instead of walking away to “think about it.” Financing is a sales tool — use it.
Industries & Equipment We Support
Liberty Capital works with vendors and dealers across virtually every equipment category. If it’s business equipment with resale value, we can likely finance it.
Construction & Heavy Equipment
- Dump trucks, end dumps, dump trailers
- Excavators, backhoes, loaders
- Bulldozers, graders, compactors
- Cranes, forklifts, telehandlers
- Concrete equipment, pavers
- Scaffolding, aerial lifts
Transportation & Trucking
- Commercial trucks, semi-trucks
- Box trucks, delivery vehicles
- Trailers (flatbed, reefer, dry van)
- Service trucks, utility vehicles
- Buses, passenger vehicles
- Specialty vehicles
Manufacturing & Industrial
- CNC machines, lathes, mills
- Printing & packaging equipment
- Welding equipment, fabrication tools
- Warehouse racking, conveyors
- Compressors, generators
- HVAC, refrigeration systems
Commercial & Service Industries
- Restaurant & food service equipment
- Medical & dental equipment
- Fitness & gym equipment
- Salon & spa equipment
- Laundry & dry cleaning equipment
- Point of sale systems, technology
Agriculture & Landscaping
- Tractors, harvesters, implements
- Irrigation systems
- Mowers, turf equipment
- Tree care equipment
- Greenhouse systems
- Processing equipment
Technology & Office
- IT infrastructure, servers
- Telecommunications equipment
- Security systems
- Office furniture, fixtures
- Copiers, printers, AV systems
- Software (bundled with hardware)
Don’t see your equipment category? Contact us. If it’s business equipment with identifiable value, we can likely structure a program for your customers.
Financing Programs Available Through Your Dealership
When you partner with Liberty Capital, you can offer your customers multiple financing structures to fit their needs:
Equipment Finance Agreement (EFA)
- Customer owns equipment at end of term
- Fixed monthly payments, 24–60 months
- $0 down for qualified buyers
- Section 179 tax deduction eligible
- Best for equipment they’ll keep long-term
Fair Market Value Lease (FMV)
- Lower monthly payments than financing
- End-of-term options: buy, return, or upgrade
- 100% of payments may be tax deductible
- Off-balance sheet treatment possible
- Best for equipment they’ll upgrade regularly
$1 Buyout Lease
- Functions like financing with lease structure
- Customer owns equipment for $1 at end
- Fixed payments, predictable budgeting
- Popular for titled equipment (trucks, trailers)
Seasonal & Deferred Programs
- 90-day deferred — no payments for 3 months
- Seasonal structures for cyclical businesses
- Step-up payments for growing companies
- Skip payment programs (agriculture, construction)
Promotional Programs: Ask about special promotions including $99/month for 12 months, 0% for 24 months with buyout, and other limited-time offers that can help you close more deals.
Credit Guidelines & Approval Criteria
Liberty Capital works with a broader range of credit profiles than most banks or captive finance companies. Here’s what your customers need to qualify:
Tier 1: Strong Credit (Best Rates)
- Credit Score: 680+
- Time in Business: 24+ months
- Down Payment: $0 down available
- Documentation: App-only to $250K
- Terms: Up to 60 months
- Rates: Starting at 7.99%
Tier 2: Standard Credit
- Credit Score: 600–679
- Time in Business: 12+ months
- Down Payment: 0–10% typical
- Documentation: App-only to $150K
- Terms: Up to 60 months
- Rates: 12.99%–17.99%
Tier 3: Challenged Credit
- Credit Score: 550–599
- Time in Business: 6+ months
- Down Payment: 10–20% typical
- Documentation: Bank statements required
- Terms: Up to 48 months
- Rates: 18.99%–24.99%
Tier 4: Startups & New Businesses
- Credit Score: 600+ personal
- Time in Business: Startup OK
- Down Payment: 10–30% typical
- Documentation: Bank statements, business plan helpful
- Terms: Up to 48 months
- Industry experience: Helpful but not required
Key Point: We approve deals that banks decline. If your customer has been turned down elsewhere, send them to us. We structure deals for real-world businesses, not just perfect credit profiles.
Why Liberty Capital vs. Banks or Captive Finance
| Feature | Banks | Captive Finance | Liberty Capital |
|---|---|---|---|
| Approval Speed | 2–4 weeks | 1–2 weeks | Same day – 48 hours |
| Credit Flexibility | A credit only | A/B credit | A, B, C credit + startups |
| Documentation Required | Tax returns, financials | Varies | App-only to $250K |
| Vendor Payment Speed | 30–60 days | 7–14 days | 24–48 hours |
| Used Equipment | Limited | Own brand only | All brands, new & used |
| Soft Costs (install, delivery) | Usually no | Sometimes | Yes, up to 120% of equipment |
| Minimum Deal Size | $100K+ | $25K+ | $5K+ |
| Dedicated Account Manager | Rarely | Sometimes | Yes, always |
| Co-Branded Applications | No | Sometimes | Yes |
| Deal Tracking Portal | No | Sometimes | Yes |
The Reality: Banks are slow and picky. Captive finance only works for their brand and their preferred customers. Liberty Capital is fast, flexible, and works across all equipment types and credit profiles. More approvals = more sales for you.
Vendor Equipment Financing — FAQ
How do I become a vendor partner?
Complete the application below or call us at 888-511-6223. We’ll set up your account, provide co-branded applications, and assign you a dedicated account manager. No fees to join, no volume requirements.
How fast do I get paid after a deal funds?
Within 24–48 hours. Once your customer’s financing is approved and documents are signed, we wire funds directly to your account. No waiting 30, 60, or 90 days like with banks.
What credit scores do you accept?
We work with A, B, and C credit profiles. Strong credit (680+) gets the best rates and $0 down. We also have programs for 550+ credit scores with structured deals and startups with limited business history.
Do you finance used equipment?
Yes. We finance new and used equipment from any manufacturer. Unlike captive finance companies that only fund their own brand, we work with whatever equipment you sell.
What’s the minimum and maximum deal size?
We finance deals from $5,000 to $5,000,000+. App-only (no tax returns) up to $250,000. Larger deals may require financial statements.
Can I offer financing for soft costs like installation?
Yes. We can finance up to 120% of equipment cost to include delivery, installation, training, and other soft costs. This helps your customers get everything they need in one payment.
Do you require exclusivity?
No. You can offer Liberty Capital financing alongside any other financing options you have. We simply want to be one of your go-to resources for getting deals done.
What documentation does my customer need?
For app-only deals (up to $250K): application, equipment quote, and 3–4 months bank statements. No tax returns required for most deals. Larger amounts may need additional documentation.
How do I submit deals?
Multiple options: online portal, email, fax, or phone. We’ll set up whatever workflow works best for your dealership. Most partners use our online portal for fastest processing.
What if my customer gets declined?
We have multiple lending sources. If your customer doesn’t fit one program, we’ll try others. We also provide feedback on what would help — sometimes a small down payment or co-signer makes the difference.
Partnership Requirements
Becoming a Liberty Capital vendor partner is simple. Here’s what we look for:
- Established Business: Active equipment dealership, manufacturer, or distributor with verifiable business history.
- Equipment Focus: You sell, lease, or distribute business equipment with identifiable value and resale market.
- Professional Operations: Proper business licensing, insurance, and standard business practices.
- Customer Base: You have customers who need financing — no minimum volume required.
- Commitment to Service: You’ll work with us to ensure smooth transactions for your customers.
What We Provide: Co-branded applications, dedicated account manager, dealer portal access, marketing materials, competitive programs, and fast funding. No setup fees. No monthly fees. No volume requirements.
Apply to Become a Vendor Partner
Complete the form below to start the partnership process. A member of our dealer relations team will contact you within 1 business day to discuss your equipment category, customer base, and how we can help you close more deals.
Already a partner? Call your account manager or access the dealer portal.
Why Choose Liberty Capital Group
Experience & Stability
- Funding equipment deals since 2003
- Licensed commercial lender (NMLS #2009539)
- California DFPI licensed (60-DBO49692)
- Based in San Diego, CA — real people, real office
- Direct lender — we make the credit decisions
Dealer-Focused Approach
- We understand your business — you sell equipment
- Fast decisions because we know time kills deals
- Flexible structures because every customer is different
- Transparent communication throughout the process
- Long-term partnership mindset, not transactional
Our Commitment: We exist to help you close more deals. When your customers get financed, you sell more equipment, and we earn a customer. Everyone wins. That’s the foundation of every partnership we build.