Questions, answered.

There is no single cutoff because we work with several programs. Roughly: 680-plus sees the best rates and app-only approvals; 620 to 680 is mainstream with slightly higher rates; below 620 goes to story-credit programs that weigh bank statements, time in business, and down payment more than the score. Every file gets reviewed.

We start with a soft inquiry, which does not affect your score. A hard inquiry happens once, with the lender you choose, when you accept an offer and move to closing.

Often, yes. Discharged and closed bankruptcies with clean payment history since, and repossessions more than a couple of years back, are workable through specific programs. Tell us up front so the file goes to the right place the first time.

On most deals for owners with 20 percent or more of the business, yes. Larger established companies with strong financials can sometimes avoid it. Corporate-only approvals are the exception, not the rule.

Yes. Start-up programs look at industry experience, personal credit, down payment, and any contracts or work lined up. Expect 10 to 20 percent down and a personal guarantee on the first deal. Skid steers, mini excavators, and used trucks are the most common first-deal equipment.

No. Sole proprietors and owner-operators are financed regularly. An LLC helps with liability but is not a lending requirement.

Zero to 10 percent on established businesses with good credit buying from a dealer. Ten to 20 percent for start-ups, challenged credit, or older equipment. Some programs accept first and last payment in place of a down payment.

About $10,000 up to $2 million on a single piece, and larger for fleets and multi-unit packages with full financials.

Twenty-four to 84 months depending on the equipment and its age. Trucks and trailers usually 36 to 60. Excavators, dozers, cranes, and tractors go out to 72 or 84 on newer units because they hold value.

Rates vary by credit, time in business, equipment age, and program. Strong files are in the high single digits to low teens; start-ups and challenged credit run higher. We show you the payment, the term, the buyout, and any documentation fee before you sign anything. No surprise add-ons.

Typically no fee to you. We are compensated by the funding source when the deal closes. Any program documentation fee is disclosed on the paperwork.

Usually yes: delivery, attachments, extended warranty, installation, and sales tax can be included, up to 100 percent of the equipment cost or a bit more on strong files.

Yes. Used is the majority of what we do. Most programs go to 10 years old at funding, some to 15 or older with an inspection. Trucks are judged on mileage as well, generally under 650,000 miles.

Yes, and most brokers avoid them. We need a bill of sale, proof of ownership, a lien search, and usually an inspection or a detailed walk-around video. Budget an extra two or three days versus a dealer purchase.

Yes. Get pre-approved before bid day so the lender can pay inside the auction's window. Ritchie Bros, IronPlanet, Purple Wave, and local auctions are all routine.

No. None of our programs fund gliders.

Yes. One application, one approval, one payment. Machine plus lowboy, tractor plus trailer, bucket truck plus chipper are all common.

An equipment finance agreement (a loan) or a $1 buyout lease means you own the equipment and can depreciate it. A fair-market-value lease has a lower payment but you return or buy the equipment at market value at the end. Most contractors want ownership; some fleets prefer FMV on trucks they turn over every few years. We quote both when it matters.

On established files, yes. Deferred first payment of 60 to 90 days, seasonal skips for winter or off-season, and annual or harvest-timed payments for farms are all available through specific programs.

Yes. Most equipment finance agreements allow early payoff. Some have a small prepayment premium in the first year or two; we point it out before you sign. Leases are structured differently and we explain the buyout math.

Yes. Sale-leaseback and equipment-backed loans on owned machines, trucks, and trailers can raise operating capital. Age and condition limits apply.

App-only deals under about $150K to $250K get decisions in 24 to 48 hours and fund the next business day after documents and insurance. Larger, private-party, or full-financial deals take a few more days.

The one-page application and the equipment quote or listing. Over about $150K to $250K, add two years of business tax returns and a current interim. Before funding: certificate of insurance and, for private sales, the bill of sale and title or serial documents.

Physical damage coverage on the equipment with the lender as loss payee, and general liability, usually $1 million. Some programs cap the deductible around $2,500. Have your agent ready; insurance is the most common funding delay.

Several programs install GPS on titled vehicles and some on larger machines. It is standard practice, not a judgment on your credit.

The lender pays the dealer or private seller directly by wire or check once documents are signed and insurance is in place. You do not front the money.

Financed equipment generally qualifies for Section 179 expensing and bonus depreciation in the year it is placed in service, even though you have not paid for it yet. Confirm the specifics with your tax preparer; we are not tax advisors.

No. Land Tech Capital is a commercial finance broker. We arrange financing through third-party equipment lenders who make the credit decisions. That is what lets us show you more than one option.

All 50. A few individual programs exclude certain states for specific equipment types, and we route around that.