Private Party
Private-party equipment financing
Most lenders only fund dealer purchases. We finance equipment bought from a private seller too — same terms as a dealer deal, with the title and payoff handled for you. Tow trucks, dump trucks, trailers, and machines, every credit profile.
- Private sellers, not just dealers
- Same terms as a dealer purchase
- Title & lien payoff handled
- All credit considered
Can I finance equipment bought from a private seller?
Yes — Avanti Equipment Finance funds private-party equipment purchases (tow trucks, dump trucks, trailers, and machines) with the same terms as a dealer purchase, which most lenders won't do. We verify the equipment and seller, pay off any existing lien, handle the title transfer, and wire the seller directly. Every credit profile is considered, used and higher-mileage units included, 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
The best used-equipment deals often aren't on a dealer lot — they're another operator selling a truck, a listing on Facebook Marketplace or TruckPaper, or an auction find. Most lenders won't touch those, because a private sale means no dealer to handle the title, the lien payoff, or the paperwork. We do it every day. You get the same rate and terms as a dealer purchase, and we verify the equipment and the seller, pay off any existing lien, handle the title transfer, and wire the seller directly — so you can buy the right truck wherever it is. Every credit profile is considered, used and higher-mileage units included, and you'll get a straight answer on your terms before you put money down.
At a glance
- Amounts
- $20K – $500K+
- Terms
- Up to 72 months
- Credit
- A-paper to challenged
- Seller
- Private party or dealer
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 bought from a private seller?
Yes. We finance private-party purchases with the same terms as a dealer purchase — most lenders won't. Whether the seller is another operator, a Facebook Marketplace or TruckPaper listing, or an auction, we can fund it.
How does a private-party purchase work?
The same as a dealer deal on your end: you pre-qualify, apply, and sign electronically. On our end, we verify the equipment and the seller, pay off any existing lien, handle the title transfer, and wire the funds to the seller directly — so you don't have to front the cash or manage the paperwork.
What do I need for a private-party deal?
A bill of sale, the equipment's title (or the seller's lienholder payoff information if there's a loan on it), photos or an inspection, and the same short application as any deal. We walk you and the seller through it.
Is the rate higher for a private-party purchase?
No. Private-party purchases get the same terms as a dealer purchase — the rate is based on your credit, the equipment, and the amount, not on where you're buying it.
Can I finance a private-party sale with challenged credit?
Yes. Every credit profile is considered on private-party deals, just like dealer deals. Lower scores typically mean a down payment and 2017-or-newer equipment, and you'll know the exact expectation upfront.
Related financing
- No money down equipment financing$0 down for qualified credit, and real ways to lower it for everyone else.
- 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.