Low / No Money Down
No money down equipment financing
Strong credit can qualify for $0 down up to a set amount — and when a down payment is required, there are real ways to lower it. See exactly what your profile supports before you shop.
- $0 down for qualified credit
- Low-down options for every profile
- Use owned equipment to cut the down
- A straight answer up front
Can I get equipment financing with no money down?
Yes — for qualified buyers. Avanti Equipment Finance offers $0-down equipment financing to applicants with strong credit and time in business, up to a set amount. Challenged credit and startups typically need a down payment (often 20–40% on 2017-or-newer equipment), but it can be reduced by pledging owned equipment as additional collateral or otherwise strengthening the deal. You'll get the exact down payment your profile supports up front, with a decision in as little as 24 hours.
10+
Years of experience
24-hr
Approval decisions
49
States served
72-mo
Terms available
Why finance with Avanti
"How much do I need to put down?" is the first question on every deal — so here's the honest answer. With strong personal credit and time in business, you can often finance equipment with $0 down up to a set amount. Tougher credit or a newer business usually means a down payment — but that's not the end of the conversation. You can lower it by pledging equipment you already own as additional collateral, bringing a co-applicant, or choosing a slightly newer unit. What you won't get here is a bait-and-switch: we review your credit, tell you the exact down payment your profile and the equipment support, and show you the levers to bring it down — before you put a deposit on anything.
At a glance
- Amounts
- $20K – $500K+
- Terms
- Up to 72 months
- $0 down
- Qualified credit
- Credit
- All considered
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 really get equipment financing with no money down?
Yes, for qualified buyers. Strong personal credit and time in business can support $0 down up to a set amount. Lower scores and newer businesses typically need a down payment — but there are ways to reduce it, and we'll tell you the exact number for your profile up front.
How do I lower my down payment?
A few levers work: stronger credit, pledging equipment you already own as additional collateral, a slightly newer unit, or a co-applicant. Financing against owned equipment is one of the most effective — it can shrink or even cover the cash you bring to closing.
What down payment does challenged credit need?
It varies, but challenged credit and startups generally run 20–40% down on 2017-or-newer equipment. A quick credit review sets your exact expectation, and additional collateral can bring it down.
Is $0 down actually a good idea?
It keeps cash in your business, which matters — but a larger down payment lowers your monthly payment and can open better terms. We'll show you both so you can decide what fits your cash flow, rather than pushing you one way.
Related financing
- Bad credit equipment financingChallenged credit, past bankruptcies and thin files all considered.
- 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.