All Credit
Financing for every credit profile
Challenged credit, thin credit, past bankruptcy: we have real programs across the full spectrum, with a quick pre-qualification so you know where you stand.
- A-paper to subprime
- Past bankruptcy considered
- Startups welcome
- Fast pre-qualification
Can I get equipment financing with bad credit?
Yes. Avanti Equipment Finance has real programs for challenged credit, thin credit, and past (discharged) bankruptcy across the full equipment lineup. Lower scores typically call for a down payment and newer equipment, but there's almost always a path, and you'll know the exact terms before you sign. Pre-qualifying is quick and comes with no obligation.
10+
Years of experience
24-hr
Approval decisions
49
States served
72-mo
Terms available
Why finance with Avanti
A tough credit chapter shouldn't end your business. Score under 600? Bankruptcy discharged? You can still get the truck. It typically takes a down payment and newer equipment, and you'll know the exact number before you sign anything. There's almost always a path, and we'll tell you straight what it takes.
At a glance
- Amounts
- $20K – $500K+
- Terms
- Tailored to profile
- Credit
- All considered
- Down payment
- Varies by profile
How it works
1
Pick your equipment
Choose the truck or machine you need, from a dealer or a private seller, new or used.
2
Apply in minutes
A short application and the equipment details. We review your credit to pre-qualify, usually in just a few minutes.
3
Get a decision
Decisions come back in as little as 24 hours, with terms matched to your credit and time in business.
4
Get funded
Sign, and we coordinate funding, usually within a few days, so your equipment can get to work.
Frequently asked questions
Can I finance equipment with bad credit?
Yes. We specialize in financing across the full credit spectrum, including challenged credit and past bankruptcies that have been discharged. A down payment is typically required, and a larger down payment can open more options.
What credit score do I need?
There is no single cutoff. Programs exist below 600; lower scores usually mean a larger down payment and equipment that is 2017 or newer.
How much down will I need?
It depends on your credit and time in business. Stronger profiles can qualify for $0 down, while challenged credit typically needs a meaningful down payment. A quick credit review sets your exact expectation.
Do I need good credit to check my options?
No. We consider every credit profile, including challenged credit and past bankruptcy. Pre-qualifying shows you what your profile and the equipment support, with no obligation.
Related financing
- Startup equipment financingFirst-truck programs for businesses with no time-in-business history.
- Collateral-based financingWhen the equipment carries the deal instead of the credit score.
- Private party equipment financingBuy from a private seller, not just a dealer: same terms, title handled.
- No money down equipment financing$0 down for qualified credit, and real ways to lower it for everyone else.
Read more on this
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- 5 min readStartup Financing: How New Businesses Get Their First TruckBrand-new business? You can still finance your first truck. Here's what lenders look for and how to put your best application forward.Read →
- 5 min readWhat Credit Score Do You Need to Finance a Tow Truck?There's no single cutoff score for tow truck financing. Here's what lenders actually look at, what changes at each credit band, and how to get approved with challenged credit.Read →