Collateral-Based
Put the equipment you own to work
Pledge equipment you already own as additional collateral to lower your down payment on new equipment — or pull working capital out of what's paid off. Every credit profile considered, decisions in as little as 24 hours.
- Lower or cover your down payment
- Pull cash from owned equipment
- Strengthen a challenged-credit deal
- New & used equipment
Why finance with Avanti
The equipment in your yard has value beyond the work it does. We structure financing around what you already own — pledging owned, titled equipment as additional collateral to reduce or cover the down payment on a new purchase, or pulling working capital out of equipment that's paid off. Collateral doesn't replace credit, but it strengthens a deal: it can open better terms, shrink the cash you bring to closing, and help a challenged-credit or newer-business file get to yes. We work across the full credit spectrum and tell you straight what your equipment can do for the deal.
At a glance
- Amounts
- $20K – $500K+
- Terms
- Up to 72 months
- Credit
- A-paper to challenged
- Collateral
- New + equipment you own
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 use equipment I already own to lower my down payment?
Yes. When a down payment is required, you can pledge owned, titled equipment as additional collateral to reduce or even cover it. The equipment is valued conservatively, and the stronger the collateral, the less cash you typically bring to closing.
Can I pull cash out of equipment I already own?
Yes. If you have equipment that's paid off or carries equity, we can structure financing against it to put working capital back in your business — for fuel, payroll, repairs, or the next opportunity.
Does collateral mean I'm guaranteed approval?
No. Collateral strengthens a deal and can improve your terms, but credit and revenue still matter. It's a lever that helps a file get to yes — especially on challenged credit or a newer business — not a replacement for them.
What kind of equipment can I pledge as collateral?
Owned, titled equipment generally works best — trucks, trailers, and machines with a clear value and title. The equipment you're financing serves as collateral on its own; pledging additional owned equipment is what lowers the down payment or unlocks cash out.
How fast can I get a decision?
Decisions come in as little as 24 hours on a short application. We review your credit to pre-qualify, usually with a soft pull that won't affect your score, and tell you what your equipment adds to the deal.