Startups
New business? No problem.
Businesses under two years old and owner-operators are welcome. App-only options, programs that help you build business credit, and fast decisions.
- Under 2 years OK
- Owner-operators welcome
- Build business credit
- Used & high-mileage OK
Can a startup or brand-new business finance equipment?
Yes — Avanti finances startups and businesses under two years old, including first-time owner-operators with no business history. App-only options are available on many deals, a down payment is typically required, and every on-time payment helps build the business credit that makes the next purchase cheaper. Decisions come in as little as 24 hours.
10+
Years of experience
24-hr
Approval decisions
50
States served
72-mo
Terms available
Why finance with Avanti
No business history? You can still get the truck. Strong credit can mean $0 down; tougher credit usually means 20–40% down on a 2017-or-newer unit. Either way you get a straight answer fast — and every on-time payment builds the business credit that makes the next truck cheaper.
At a glance
- Amounts
- $20K – $500K+
- Terms
- Up to 72 months
- Credit
- All considered
- Equipment
- New & used
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 a startup get equipment financing?
Yes. Businesses under two years old and owner-operators are welcome. A down payment is typically required, and strong personal credit helps.
How much down does a startup need?
It scales with credit. Strong credit can mean $0 down up to a set amount, while lower scores generally require 20 to 40 percent down on 2017-or-newer equipment.
Do you require tax returns?
App-only programs are available with no tax returns required up to higher amounts, depending on the profile.
Can financing help build my business credit?
Yes. Financing equipment in the business name and paying on time helps establish business credit over time.