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Credit Tier
Bad Credit Equipment Financing (Below 600)
Equipment financing for bad credit (FICO below 600). Sub-prime specialty lenders, significant down payments, alternate documentation.
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Credit Tier
Equipment Financing After Bankruptcy
Equipment financing after Chapter 7 or Chapter 13 bankruptcy. Discharge timeline expectations, lender programs, rebuilding strategy.
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Credit Tier
Equipment Financing After Repossession
Equipment financing after a recent repossession. What lenders look for, time-since-event expectations, compensating factors.
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Credit Tier
Equipment Financing with a Thin Credit File
Equipment financing for buyers with limited credit history. Building tradelines, alternate-data lenders, secured starter options.
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Credit Tier
Equipment Financing with Active Tax Liens
Equipment financing for buyers with active IRS or state tax liens. Subordination requirements, payment plan dynamics.
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Credit Tier
Excellent Credit Equipment Financing (720+)
Equipment financing for excellent credit profiles (FICO 720+). Lowest rates, longest terms, zero-down options.
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Credit Tier
Fair Credit Equipment Financing (640 to 679)
Equipment financing for fair credit profiles (FICO 640 to 679). Higher rates, some restrictions, down payment usually required.
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Credit Tier
Good Credit Equipment Financing (680 to 719)
Equipment financing for good credit profiles (FICO 680 to 719). Competitive rates, standard terms, most programs available.
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Credit Tier
Subprime Credit Equipment Financing (600 to 639)
Equipment financing for subprime credit profiles (FICO 600 to 639). Specialty lender programs, larger down payments, shorter terms.
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Credit Tier
Very Bad Credit Equipment Financing (Below 550)
Equipment financing for very challenged credit (FICO below 550). Limited options, asset-based programs, secured financing.
By Credit Tier
Financing by Credit Tier
What you qualify for at every credit profile — from excellent (720+) to bad credit, recent bankruptcy, thin credit file, or active tax liens.
No credit impact
22 equipment categories
24-72hr decisions
$0 to apply
10
Credit profiles covered
Updated and maintained editorially
100%
Editor reviewed
Every page reviewed by Ed
May 2026
Last reviewed
Reviewed and refreshed
Three minutes to a real rate.
Soft-pull prequalification, no credit impact, no obligation. Decisions in 24-72 hours.
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