Finance the equipment that earns
Spates Financial funds commercial equipment for contractors, carriers, operators, and clinics. Straightforward terms, one point of contact, and a decision while your quote is still on the table.
Equipment we know how to value
Underwriting an excavator is not the same as underwriting an aircraft or a tower crew's bucket truck. We finance assets we can value, verify, and remarket.
Built for operators, not paperwork
Equipment sits idle while financing drags. We keep the file moving so you can take delivery, bill the job, and put the asset to work.
- Applications under $150,000 are typically one page
- Seasonal and deferred payment structures
- New, used, auction, and private-party purchases
- The person who takes your application funds it
- Start-ups and thin credit files considered
Capital beyond the machine
Small Business Loans
Short-term working capital for payroll, materials, and mobilisation.
Business Acquisition
Buy a business, a partner's share, or an equipment-heavy operation.
Answers before you apply
Pre-qualification uses a soft pull, which does not affect your score. A hard inquiry is run only once you accept terms and ask us to prepare documents.
Requests up to $150,000 are typically application-only for established businesses: one page plus the equipment quote. Above that, expect to provide two years of business tax returns and recent bank statements.
Yes. Dealer, auction, and private-party purchases are all routine. Older or higher-hour units may require an inspection or third-party appraisal, and usually carry a shorter term.
We work across a range of credit profiles. A weaker score generally means a larger down payment, a shorter term, or a higher rate rather than an automatic decline. Tell us the situation up front and we'll be straight with you about what's achievable.
Ready to put the equipment to work?
Send us the quote, the listing, or the auction lot. We'll come back with a structure and a payment today.