Capital Solutions for Industry Growth.
Boutique financing tailored for the heavy equipment sector, providing the leverage necessary for fleet expansion and liquidation.
Who Qualifies
Our asset-based lending model means more operators qualify than with traditional banks.
Established Contractors
Operating for 2+ years with steady revenue and a fleet of 3+ assets. Our most common applicant profile with approval rates exceeding 85%.
New Business Operators
Under 2 years of operation but with relevant industry experience. We offer starter programs with slightly higher rates and co-signer options.
Fleet Expansion Projects
Existing clients looking to scale operations with additional equipment. Streamlined approval using your existing relationship and payment history.
Liquidation Buyers
Investors and operators acquiring distressed or auction assets. Quick-close financing designed for time-sensitive acquisition opportunities.
How It Works
From pre-qualification to funding, the entire process is designed for speed and clarity.
01
Pre-Qualification
Submit basic business info online. Receive a preliminary approval decision within 4 hours — no hard credit pull at this stage.
02
Application Review
Complete the full application with financials. Our underwriting team reviews with an asset-value focus, not just a credit score focus.
03
Asset Verification
If the equipment hasn't been audited yet, our engineering team conducts a rapid assessment to verify collateral value.
04
Term Structuring
We present 2–3 customized term options optimized for your cash flow cycle, tax strategy, and growth plans.
05
Funding & Closing
Upon acceptance, funds are disbursed or applied to the seller's escrow within 48 hours. Take delivery and start operating.
"We needed three excavators for a highway project starting in 6 weeks. Our bank said 60–90 days for approval. Inner Circle had us funded in 36 hours. That speed literally won us the contract."
David Chen Owner, Pacific Earthworks LLC
Financing FAQ
What credit score do I need?
We consider applicants with credit scores of 550 and above. However, because our lending model is asset-based, the value and condition of the equipment carries significant weight. Applicants with lower credit scores may qualify with stronger collateral or a co-signer.
Can I finance equipment from a private seller?
Absolutely. We finance purchases from dealers, auction houses, private sellers, and even direct-from-manufacturer orders. For private sales, we recommend using our escrow service for added protection.
What is the typical down payment?
Down payments range from 10% to 20% depending on the asset age, your credit profile, and the term length. First-time applicants typically fall at the higher end; established clients may qualify for lower or even zero-down options.
Are there prepayment penalties?
No. All Inner Circle financing agreements allow early payoff without penalty. We believe in flexible terms that work for your business, not against it.
How does the tax treatment work?
Equipment leases can often be structured as operating leases for off-balance-sheet treatment, or as capital leases for depreciation benefits. We recommend consulting your tax advisor; our team can provide the documentation they'll need.
Can I finance multiple assets simultaneously?
Yes — we encourage fleet financing. Multi-asset deals receive preferential rates and streamlined processing. A single application can cover your entire acquisition plan.
Tailored Financial Engineering
Every industrial operation has unique capital requirements. Our team designs structures that align with your seasonal cash flow and tax strategy. Start your application today.