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

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Updated October 30, 2026

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.

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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

What A, B, C and D credit mean

Lenders grade a file from A-paper to D-paper. The score ranges are approximate, and time in business, the equipment and the down payment can each move a file up or down a grade:

A-paper: roughly 700 and up, usually with two or more years in business and a clean payment history. The lightest down payments and the longest terms.
B-paper: roughly 640 to 699. With two or more years in business it often looks like A-paper; as a startup, plan on a down payment.
C-paper: roughly 600 to 639, or a higher score with recent late payments or a thin file. The down payment shrinks as time in business grows, and four or more years can still mean $0 down.
D-paper: under 600, recent collections or charge-offs, or a past (discharged) bankruptcy. Plan on 30–40% down, and on trucks a 2017-or-newer unit.

Challenged credit equipment financing, explained

Down payment by credit score and time in business

The planning figures our credit-based pre-qualification shows, by the credit range you'd pick on the application:

Down payment by credit score and time in business
Credit score	Under 2 years	2–3 years	3–4 years	4+ years
700+	Often $0 down up to $50k	Often $0 down up to $50k	Often $0 down	Often $0 down
660–699	20% down minimum	Often $0 down up to $50k	Often $0 down	Often $0 down
640–659	30–40% down	Often $0 down up to $50k	Often $0 down	Often $0 down
600–639	Around 40% down	20–30% down	0–10% down	$0 down
550–599	Around 40% down	30–40% down (closer to 30% with strong bank statements)	30–40% down (closer to 30% with strong bank statements)	20–40% down (20–25% with strong bank statements)
Below 550	30–40% down	30–40% down (closer to 30% with strong bank statements)	30–40% down (closer to 30% with strong bank statements)	30–40% down (closer to 30% with strong bank statements)

Swipe the table sideways to see every column.

Planning figures from Avanti's credit-based pre-qualification for a $40,000 truck. Over $50,000, some strong-credit programs ask for 10–20% down. Under 600 at any time in business, and under 640 as a startup, trucks need to be 2017 or newer; construction iron has no model-year rule. Final terms are set by the lending partner after review.

Estimate a payment at each down payment

What strengthens a challenged-credit deal

A better score isn't the only way in. Each of these counts:

More money down: the single biggest lever
Strong bank statements: under 600 with two or more years in business, they can bring the down payment below 40%
Equipment you already own, pledged as additional collateral
A newer, mainstream unit (on trucks under 600, 2017 or newer)
Time in business and industry experience

How it works

Pick your equipment

Choose the truck or machine you need, from a dealer or a private seller, new or used.

Apply in minutes

A short application and the equipment details. We review your credit to pre-qualify, usually in just a few minutes.

Get a decision

Decisions come back in as little as 24 hours, with terms matched to your credit and time in business.

Get funded

Sign, and we coordinate funding, usually within a few days, so your equipment can get to work.

Start your application

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 do A, B, C and D credit mean?

They're lender shorthand for credit strength, from A-paper (roughly 700 and up with time in business) to D-paper (under about 600, recent collections or a past bankruptcy). Avanti considers all four grades; the grade mostly sets the down payment and the term rather than the answer.

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.