Startups
New business? No problem.
Businesses under two years old and owner-operators are welcome. App-only options, programs that help you build business credit, and fast decisions.
- Under 2 years OK
- Owner-operators welcome
- Build business credit
- Used & high-mileage OK
Why finance with Avanti
Every established operator started somewhere. We finance equipment for brand-new businesses and owner-operators, scaling the down payment to your credit so you can get the truck or machine that gets the business off the ground — and start building business credit while you're at it.
At a glance
- Amounts
- $20K – $500K+
- Terms
- Up to 72 months
- Credit
- All considered
- Equipment
- New & used
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 a startup get equipment financing?
Yes. Businesses under two years old and owner-operators are welcome. A down payment is typically required, and strong personal credit helps.
How much down does a startup need?
It scales with credit. Strong credit can mean $0 down up to a set amount, while lower scores generally require 20 to 40 percent down on 2017-or-newer equipment.
Do you require tax returns?
App-only programs are available with no tax returns required up to higher amounts, depending on the profile.
Can financing help build my business credit?
Yes. Financing equipment in the business name and paying on time helps establish business credit over time.