Can't find the equipment you need? How a broker can help

Sometimes the hold-up isn't the financing, it's finding the right machine at the right price. Tight used markets, long new-equipment lead times, and auctions that move fast can all leave a buyer stuck. A broker can't conjure inventory out of thin air, but the financing side opens up more options than most buyers realize.

Here's how the financing relationship helps you actually land the equipment.

Financing that's ready before you find the machine

The biggest advantage is being pre-approved before you shop. When you know your budget, your likely terms, and that funding is lined up, you can move the moment the right machine appears. Sellers take a funded buyer seriously, and in a tight market the buyer who can close fast wins deals the hesitant buyer loses.

That's why we suggest you start your application before you start shopping.

Buy from more places than just one dealer

Plenty of buyers assume they have to finance through the dealer they're buying from. You don't. Independent financing means you can buy where the equipment is:

• Any dealer, in or out of state. You're not limited to dealers with a financing desk.
• Private-party sales. Many of our deals are private sales the seller's bank wouldn't touch.
• Auctions. Auctions move fast and have firm funding deadlines. Lining up financing ahead of time is what makes an auction purchase realistic instead of a gamble.

Widening where you can buy from is often what turns "I can't find it" into "found it."

Creative structures when the deal is unusual

When a machine is hard to find, the deal that finally comes together is sometimes unusual: an older unit, a private seller, a higher price in a hot market, a repossession. These are exactly the situations where matching the deal to the right lender matters. Some lenders are comfortable with an older machine; some will fund a private-party sale; some get creative on down payment or structure. Knowing which lender fits which oddball deal is the difference between funded and stuck.

Lean on the relationships

Three decades of placing equipment loans builds a network, on both the lender side and the dealer side. Dealers who've worked with us send buyers our way because the deals close. That same network sometimes surfaces a lead on equipment, or a dealer who has what you're hunting for. It's not a guarantee, but a broker who's deep in the equipment world is a useful person to have looking on your behalf.

The move

Get your financing lined up first, then shop the widest possible market: any dealer, private sellers, auctions. When the right machine shows up, you close fast. Start your application, or if you want to talk through a specific hunt, reach out and we'll see what we can do.