Each guide answers one question buyers ask before they call, with payment examples and the lender logic behind them.
All guides
Semi truck down payment The honest answer is zero to 25 percent, and where you land depends on three things you can see coming. Here is how lenders decide, with the numbers.Read the guideExcavator financing with bad credit A 600 score does not mean no. It means a different lender, more money down, a higher rate, and a machine the lender can resell. Here is what that looks like in practice.Read the guideLease vs loan on a skid steer Same machine, four ways to pay for it, and the right one depends on whether this skid steer is a tool you keep or a rental you happen to hold the title to.Read the guideSection 179 on a financed machine You do not have to pay for the machine to deduct it. Here is what a $120,000 excavator bought on a 60-month loan does to a 2026 tax bill, and the three ways people lose the deduction.Read the guideFinancing auction equipment The auction wants its money in days. A lender wants a week or two and a machine it can verify. The job is closing that gap before you register to bid.Read the guideFirst truck under new authority Start-up programs approve first-time owner-operators every week. They decline them for the same five reasons, and every one is fixable before you apply.Read the guideCredit score needed There is no cutoff. Every score band has a program. The score decides which program, what it costs, and how much cash goes in.Read the guideDocuments you need Most deals under $150,000 close on one page and an invoice. Here is the full list by deal size, so the file goes in complete the first time.Read the guideUsed equipment age limits Lenders do not care how old a machine is today. They care how old it will be when the last payment is due. That one rule explains almost every cap.Read the guide
