Established businesses

Equipment financing for established businesses

Adding a truck or machine, replacing one that's costing you, or moving up in capacity? If you've been in business two years or more, tell us the unit before you commit and we'll talk through your financing options. One-truck operators and fleets alike.

One-truck operators and fleets
Add, replace or move up
Dealer or private seller
New or used

Apply now Call 617-843-5612

Updated October 16, 2026

How do established businesses finance another truck or piece of equipment?

Businesses with two or more years in business can apply through Avanti Equipment Finance to finance an added or replacement truck or machine, new or used, from a dealer or a private seller. Avanti talks through the financing options with the owner before they commit to a unit, then coordinates the purchase and funding with its lending partners, who make the credit decision and set the final terms. Time in business is one part of the review; credit, the amount and the equipment matter too.

3-min

Application

2+ yrs

In business

States served

10+

Years of founder experience

Why finance with Avanti

After two or more years in business, you know the work and the equipment it takes. Tell us the unit you're adding or replacing and who's selling it, and apply before you put a deposit on anything. We talk through your financing options with you before you commit, then coordinate the invoice, the title and payment with the dealer or private seller. Time in business is one part of the review: your credit, the amount and the unit matter too, and our lending partners make the credit decision.

At a glance

Time in business: 2+ years
Fleet size: One truck or a fleet
Sellers: Dealer or private
Equipment: New & used

Adding a unit, replacing one, or moving up in capacity

Tell us which it is when you apply or when we call. Adding a truck or machine: what it is and the work it's for. Replacing one: whether the old unit is being sold, kept as a backup, or already paid off. Moving up to a bigger unit, like a rotator or a lowboy: the unit and the price.

Look at the payment before you commit

Financing spreads the cost of a unit over time instead of taking it out of the bank all at once. Before you put a deposit on anything, run the numbers with the payment calculator, and ask your accountant whether Section 179 applies to the purchase.

Dealer or private seller

Buy where the right unit is, from a dealer or a private seller. Tell us the seller when you apply. We coordinate the invoice, the title and payment to the seller with our lending partners.

Check the unit before you agree on a price

Year, mileage or hours, condition and the title are worth checking before you agree on a price. These guides cover what to look at on the units we finance.

What to have ready

Your business details and start date, the equipment listing or invoice, and the seller's contact. Depending on the deal, our lending partners may ask for more, and we'll tell you exactly what's needed. If bank statements are requested, send:

Last 3 months of business bank statements: all pages, PDF downloads from online banking (no photos or partial pages)

Review the application checklist

Not two years in yet, or credit's been rough?

Those pages are still the right place to start. Newer businesses and challenged credit have their own pages, and you apply through the same short application.

How it works

Tell us the unit

Adding, replacing or moving up: the truck or machine, the price, and who's selling it, a dealer or a private seller.

Apply in about 3 minutes

A short online application, before you put a deposit on anything.

Talk through your options

We go over your financing options with you before you commit. Our lending partners make the credit decision and set the final terms.

We coordinate the purchase

The invoice, the title and payment to the dealer or private seller, together with our lending partners.

Start your application

Frequently asked questions

What counts as an established business?

On this page, two or more years in business, counted from when you started operating. Time in business is one part of the review, and it doesn't mean an approval on its own. Your credit, the amount and the equipment matter too.

I run one truck. Is this for me?

Yes. This page is for one-truck operators as much as fleets. Tell us the unit you're looking at, and we'll talk through your financing options before you commit.

What will the down payment and term be?

It depends on your credit, your time in business, the amount and the unit, and our lending partners set the final terms. Once we know the unit, we'll go over the options with you before you commit.

What paperwork will I need?

A short online application and the equipment details to start. Depending on the deal, our lending partners may ask for more, and we'll tell you exactly what's needed.

Can I buy from a private seller?

Yes. Dealers and private sellers both work. Tell us the seller when you apply, and we coordinate the title and payment with them.

Who makes the credit decision?

Avanti works with you on the application, explains your options and coordinates the purchase and funding. The credit decision and final terms come from our lending partners after they review the full application.