All Credit
Financing for every credit profile
Challenged credit, thin credit, past bankruptcy — we have real programs across the full spectrum, with a pre-qualification that usually uses a soft credit pull, so checking won't affect your score.
- A-paper to subprime
- Past bankruptcy considered
- Startups welcome
- Soft-pull pre-qualification
Why finance with Avanti
A tough credit chapter shouldn't end your business. We specialize in financing across the entire credit spectrum, including scores below 600 and discharged bankruptcies. Lower profiles typically mean a down payment and newer equipment, but there's almost always a path — and we'll tell you exactly what it takes.
At a glance
- Amounts
- $20K – $500K+
- Terms
- Tailored to profile
- Credit
- All considered
- Down payment
- Varies by profile
How it works
Pick your equipment
Choose the truck or machine you need — from a dealer or a private seller, new or used.
Apply in minutes
A short application and the equipment details. We review your credit to pre-qualify — usually a soft pull that won't affect your score.
Get a decision
Decisions come back in as little as 24 hours, with terms matched to your credit and time in business.
Get funded
Sign, and we fund the deal — usually within a few days — so your equipment can get to work.
Frequently asked questions
Can I finance equipment with bad credit?
Yes. We specialize in financing across the full credit spectrum, including challenged credit and past bankruptcies that have been discharged. A down payment is typically required, and a larger down payment can open more options.
What credit score do I need?
There is no single cutoff. Programs exist below 600; lower scores usually mean a larger down payment and equipment that is 2017 or newer.
How much down will I need?
It depends on your credit and time in business. Stronger profiles can qualify for $0 down, while challenged credit typically needs a meaningful down payment. A quick credit review sets your exact expectation.
Will checking my options hurt my credit?
Pre-qualifying usually uses a soft credit inquiry, which doesn't affect your score. Some lenders may require a hard inquiry before final approval, which we only run with your authorization.