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
50
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 fund the deal — 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.