A generalist broker sends an excavator deal to the same three funders it sends everything to, gets back one rate, and calls that your option. Here is how we handle the same file.
We only work with equipment lenders
Every funding source we work with is an equipment lender or has an equipment desk. We have read their broker agreements, their credit boxes, their mileage caps, their yellow-iron rules, and their state exclusions. When your file comes in, it goes to the program that wants it, not the program that happened to answer the phone.
- Start-up with a used mini-ex? That is a specific program, not a generic one.
- Owner-operator with a 2018 Cascadia at 580K miles? We know who caps at 650K and who does not.
- Farm buying a combine at a retirement auction? Ag program, harvest-timed payments.
- Bankruptcy discharged three years ago? Story-credit lender, and we know the one that requires the case closed, not just discharged.
We will not sell you the wrong product
Generalist shops make their best margin on merchant cash advances, so an equipment inquiry often turns into a "working capital" pitch with a daily draft and a 1.4 factor rate. We do not sell cash advances. If your deal is an equipment deal, it gets equipment financing: a fixed payment, a term that matches the machine, and ownership at the end.
Real options, not one rate
Because we place with several programs, you see the tradeoffs: a lower payment on a longer term, a lower rate with more down, a fair-market-value lease versus an equipment finance agreement. You pick. A single-lender broker cannot give you that because they have nothing to compare.
Soft pull to look, hard pull only when you say yes
Shopping a file to ten lenders with hard inquiries is how generalists work, and it dents your credit. We review options on a soft inquiry. The hard pull happens once, with the lender you chose, when you accept.
We know the equipment
We know what a D6 does, why a tiltrotator changes the deal math, what a reefer unit's hours mean, and why a glider kit is a hard no. That matters when the lender's credit analyst has a question at 4 p.m. on a Friday and the difference between funding Monday and funding next Thursday is whether your broker can answer it.
Straight answers, including no
If a deal does not work, we say so in a day, not after three weeks of "still waiting on underwriting." If the dealer's captive financing is the better offer, we tell you to take it. A broker who only gets paid when you close with them has an incentive problem. We would rather earn the next deal.
What we are not
If you already have a quote
Send it with the application. If we can beat it or structure it better, we will show you how. If we cannot, we will tell you that, and it has cost you ten minutes and a soft inquiry.
Questions we get
Are you a lender or a broker?
A broker. We arrange financing through third-party equipment lenders and do not make credit decisions. That is exactly why we can show you more than one option.
Do you charge a fee?
Typically no fee to you. We are paid by the funding source when a deal closes. If a specific program carries a documentation fee, it is disclosed on the paperwork before you sign.
Will you shop my credit to a dozen lenders?
No. We review options on a soft inquiry and submit to the program that fits. A hard inquiry happens once, when you accept an offer.
What if I already have a quote?
Send it. We either beat it, structure it better, or tell you to take it. Any of those is a good outcome for you.
