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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
Apply nowCall 617-843-5612

Can I finance equipment bought from a private seller?

Yes. Avanti Equipment Finance helps finance 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, coordinate any existing lien payoff, handle the title transfer, and coordinate direct payment to the seller. Every credit profile is considered, used and higher-mileage units included, with a decision in as little as 24 hours.

10+
Years of founder experience
24-hr
Fastest 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, coordinate any existing lien payoff, handle the title transfer, and coordinate direct payment to the seller, 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 coordinate funding, usually within a few days, so your equipment can get to work.

Start your application

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 help arrange financing.

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, coordinate any existing lien payoff, handle the title transfer, and coordinate direct payment to the seller, 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 financing 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.

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