Privacy Policy

Information we collect

We collect information in three main ways: information you give us, information collected automatically when you use the Site, and information we receive from third parties.

Information you provide. When you submit an application, request a quote or pre-qualification, send us an email, or otherwise contact us, you may provide your name, business name, job title, mailing and email addresses, and phone and fax numbers, along with any other details you choose to share.

Information needed to evaluate financing. Because our core business is equipment financing, an application requires more sensitive details so we can verify identity and assess creditworthiness. These may include your Social Security number, date of birth, business ownership and signing-authority information, business and personal financial information, bank or account information, and, where required, a copy of a government-issued ID. You understand that credit history may be a factor in evaluating an application.

Information collected automatically. Like most websites, we automatically log technical information such as your Internet Protocol (IP) address, browser type, device information, the pages you view, and the dates and times of your visits. We use this to monitor and improve the Site. We use a random application-draft identifier to connect application progress with submission and funding outcomes in our internal reporting. We do not use it to track you across other sites.

Information from third parties. In connection with an application, we may receive information about you and your business from consumer and business credit reporting agencies; banks and other financial institutions; business references; identity-verification and fraud-prevention services; public records, such as state business filings; equipment vendors or dealers through whom you apply; and the lenders and financing sources we work with.

Application progress is saved as you go. Our online application saves what you enter, step by step, before you submit it: on your own device (so you can resume where you left off) and on our systems (so that if you stop partway through, we can send you a short reminder with a link to finish, and a representative may reach out to help). You can ask us to delete an unfinished application at any time using the contact details below.

Credit reports and verification

When you apply, each person who signs gives the authorization printed on the application, titled "Applicant Certification, Credit Authorization, and Identity Verification." This section summarizes it; the signed authorization controls. It allows Avanti Equipment Finance LLC, its designees, and prospective lenders, financing sources, and assignees to obtain, use, verify, and review business and consumer credit reports, banking and financial records, account histories, credit and payment histories, ownership information, and other information reasonably necessary to evaluate, arrange, approve, fund, service, renew, or collect the requested financing, as permitted by law. This includes contacting credit reporting agencies, banks, financial institutions, business references, and other relevant third parties to verify information, and sharing application information and supporting documents with prospective financing sources for legitimate financing purposes.

Your credit is reviewed only after you sign and submit an application. The lenders and financing sources considering your request may also review your credit, and the type and timing of their reviews can vary.

We may independently verify each signer's identity, business ownership, signing authority, and financial information, including through third-party verification services and contact information we obtain on our own, such as a publicly listed business phone number. We may ask for additional documentation, and we may suspend, decline, or withdraw an application if information cannot be verified or fraud is suspected.

All authorizations, credit inquiries, information sharing, and electronic transactions under an application are subject to applicable federal and state law, including the Fair Credit Reporting Act. Nothing in the application waives any rights or protections provided by law.

How we use your information

We use the information we collect to:

• Evaluate, arrange, and respond to your application or request, including presenting it to one or more prospective lenders and financing sources, and support the approval, funding, servicing, renewal, or collection of any resulting financing;
• Verify the identity of each person who signs, the business's ownership and signing authority, and the information provided, and prevent fraud;
• Communicate with you about your application, account, and our services, including by email, phone, and (with your consent) text message;
• Operate, maintain, secure, and improve the Site and our services;
• Carry out and enforce our agreements with you, including billing and collections where applicable; and
• Comply with applicable laws, regulations, and lawful requests, and protect the rights, property, and safety of Avanti and others.

We do not use the sensitive financial information you provide for unrelated purposes.

How we share your information

We share your information only as needed to provide the financing and services you request, or as otherwise described here. Specifically, we may share information with:

• Prospective lenders, financing sources, and their assignees, including the application information and supporting documents you provide, to evaluate, arrange, approve, fund, service, renew, or collect your financing;
• Credit reporting agencies, banks and other financial institutions, and business references, as needed to verify the information in your application;
• Equipment vendors or dealers involved in your transaction, where relevant to completing it;
• Service providers who perform functions on our behalf, such as document handling, email delivery, identity verification, hosting, and security, under obligations to keep the information confidential and use it only for those functions; and
• Government, law enforcement, courts, or other parties when required to comply with applicable law or legal process, to enforce our terms, or to protect rights, property, or safety.

We do not sell your personal information, and we do not share it with unaffiliated third parties for their own marketing.

The service providers we rely on today fall into these categories: website hosting and privacy-friendly site analytics (Vercel); our secure application database and document storage (Supabase); bot protection on our forms (Cloudflare Turnstile); transactional email delivery (Resend); business phone calls and text messaging (Quo, formerly OpenPhone, and Twilio); and card payment processing, where a fee applies (Stripe: we never see or store your full card number). Each acts on our instructions under a contract that limits its use of your information to providing the service. If you apply through an equipment dealer's co-branded application page, the dealer's name is recorded with your application and the dealer may be told the status of the transaction it referred.

Text messaging (SMS)

If you opt in, you may receive SMS text messages from Avanti Equipment Finance LLC about your financing request or application: replies to your questions, your application link, application status updates, document requests, and approval or funding updates. You opt in by checking the optional text message box on our application or call-back form, by texting us first, or by asking a member of our team on a call to text you. We do not send promotional text messages. Message frequency varies. Message and data rates may apply. You can opt out at any time by replying STOP, and you can reply HELP for assistance. Carriers are not liable for delayed or undelivered messages.

Opting in to text messages is optional and is not a condition of receiving financing or credit approval.

Mobile phone numbers and SMS consent are used solely to send the messages described above. No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Text messaging originator opt-in data and consent will not be shared with any third parties, excluding aggregators and providers of the text message services.

Our full SMS terms, including the exact opt-in language, are at avantiequipmentfinance.com/sms-opt-in.

Phone calls and email

When you give us a phone number or email address, whether on an application, a call-back request, the dealer partner form, or the newsletter sign-up, we use it to respond to your request and to communicate about your application, financing options, and our services. By providing a phone number you agree that we may call you at that number about your request, which may include calls placed with automated dialing technology or using an artificial or prerecorded voice where permitted by law. Consent to calls is never a condition of receiving financing, and you can tell us to stop at any time by replying to a message, emailing us, or calling the number below. Calls may be monitored or recorded for quality and training where the law allows; where notice is required, it is given at the start of the call.

Marketing emails, including our quarterly newsletter, always carry an unsubscribe link and our mailing address. Messages about an application you have started or submitted are transactional and may continue after you unsubscribe from marketing.

Cookies, analytics, and similar technologies

We keep tracking to a minimum. The Site uses privacy-friendly analytics (Vercel Web Analytics and Vercel Speed Insights) that count page views, measure how fast pages load, and record a handful of in-site events, such as a visitor tapping our phone number, starting the payment calculator, or reaching a step of the application, along with the page a visit started on and the kind of site it came from (for example, a search engine). This works without cookies, without cross-site tracking, and without building a profile of you. If you apply, we keep that same starting page and kind of referring site with your application record, so we can see which of our pages and channels help businesses find us. Our internal application funnel uses a hashed version of the random identifier already saved with your draft, broad source and device categories, step progress, and fixed error categories. An accepted submission is linked to its CRM outcome. Form answers, names, Social Security numbers, financial details, and document contents are not sent to this analytics record. We do not use advertising pixels, session-replay or screen-recording tools, third-party chat widgets, or social-media trackers on this Site. If that ever changes, we will update this policy first.

The Site does use a small amount of browser storage: your application draft is kept in your browser so you can resume it, a few short-lived session values keep the Site working or note where your visit started (for example, so a stylesheet retry happens only once), and they are erased when you close the tab, and a security cookie may be set by our bot-protection and payment providers on the pages that use them. You can clear this storage through your browser at any time; parts of the Site (such as resuming an application) may not work properly if you block it.

Because we do not sell or share personal information for cross-context behavioral advertising, there is nothing for a "Do Not Track" signal or a Global Privacy Control (GPC) signal to switch off; we treat any such signal as consistent with how the Site already operates.

How we protect your information

We maintain administrative, technical, and physical safeguards designed to protect the information in our control against loss, misuse, and unauthorized access, use, alteration, or disclosure, consistent with applicable law including the GLBA Safeguards Rule. Among other measures, sensitive application data is encrypted, and access is limited to those who need it to do their work. No method of transmission or storage is completely secure, however, and we cannot guarantee absolute security.

How long we keep your information

We keep your information for as long as needed to provide our services and for a reasonable period afterward to meet legal, regulatory, tax, accounting, and recordkeeping requirements, to resolve disputes, and to enforce our agreements. Records related to financing applications are generally retained for at least seven years.

Your choices

You can opt out of marketing communications at any time by following the unsubscribe instructions in an email, replying STOP to a text message, or contacting us using the details below. We may still send you non-promotional messages about your application or account. You can also ask us to review, correct, or delete information we hold about you, subject to the legal and operational limits described in this policy.

Your California privacy rights

This section applies to California residents and supplements the rest of this policy. Note that personal information regulated by the GLBA, the FCRA, or the California Financial Information Privacy Act is exempt from the California Consumer Privacy Act (CCPA); much of the information we collect in connection with financing falls into that category.

Subject to those exemptions, in the past twelve months we may have collected the following categories of personal information: identifiers (such as name, address, email, IP address, and Social Security number); financial and customer-records information; commercial information; and internet or network activity. We collect this information directly from you, from equipment vendors or dealers, automatically through the Site, and from third parties such as credit reporting agencies, banks and other financial institutions, business references, verification services, public records, and the lenders and financing sources we work with.

We disclose these categories to prospective lenders, financing sources, and their assignees; to service providers; and to others as described in "How we share your information," for the business purposes described in this policy. We have not sold personal information.

California residents may request access to the categories and specific pieces of personal information we have collected, request deletion, and request correction, subject to exceptions. We will not discriminate against you for exercising these rights. To make a request, contact us using the information below; we will take steps to verify your identity before responding. You may also designate an authorized agent to make a request on your behalf; we will ask the agent for proof of authorization and may still verify your identity directly.

Notice of no sale or sharing: we do not sell personal information and we do not share it for cross-context behavioral advertising, and we have not done so in the preceding twelve months. We do not knowingly collect or sell the personal information of anyone under 16. We do not use or disclose sensitive personal information for purposes other than those permitted by the CCPA (such as processing your application and preventing fraud). We honor Global Privacy Control signals as described under "Cookies, analytics, and similar technologies."

Other U.S. state privacy rights

Residents of states with comprehensive privacy laws (including Colorado, Connecticut, Delaware, Indiana, Iowa, Kentucky, Maryland, Minnesota, Montana, Nebraska, New Hampshire, New Jersey, Oregon, Rhode Island, Tennessee, Texas, Utah, and Virginia) may have the right to confirm whether we process their personal data; to access, correct, or delete it; to obtain a portable copy; and to opt out of targeted advertising, the sale of personal data, and profiling that produces legal or similarly significant effects. Most of the information we handle in connection with financing is regulated by the GLBA and the FCRA and is exempt from those laws, and we do not engage in targeted advertising, sales of personal data, or profiling of that kind. Where a right does apply, you can exercise it by contacting us using the details below. We will respond within the time the applicable law allows and will not discriminate against you for making a request. If we decline a request, you may appeal by replying to our decision with the word "Appeal"; we will respond to the appeal in writing, and if it is denied, we will tell you how to contact your state attorney general.

Electronic communications and records

When you apply online you agree to receive application records, disclosures, and notices electronically and to sign electronically, as described on the application. We may require additional verification or authentication of an electronic signature. You can request a paper copy of any application record we hold about you, and you can withdraw consent to electronic records for future communications, by contacting us; withdrawing consent does not affect the validity of anything you have already signed electronically.

Security incidents

If we learn of a security incident that affects your personal information, we will investigate and notify you and the appropriate authorities as required by the laws that apply to you, without unreasonable delay.

Children's privacy

The Site and our services are intended for businesses and for individuals who are at least 18 years old. We do not knowingly collect personal information from children under 13, and the Site is not directed to them. If you believe a child has provided us information, please contact us so we can remove it.

Links to other sites

The Site may link to websites we do not operate. We are not responsible for the content or privacy practices of those sites, and we encourage you to review their policies.

Changes to this policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. When we do, we will revise the "Last updated" date above and post the updated policy on this page; if a change materially reduces your rights, we will give more prominent notice, such as an email to applicants on file. Your continued use of the Site after we post changes means you accept them.

Contact us

If you have questions about this Privacy Policy or how we handle your information, contact us at: