Buying commercial equipment is not like buying a home or car. When buying commercial equipment, you are investing in your livelihood. Even after finding the equipment you need, you’re only halfway there. You will need financing. Thanks to the internet, this has never been easier. Many finance and leasing companies such as
Prudential Leasing, Resource Diversified Services, and others have gone digital to reach out to businesses nationwide. These companies have given the small business owner a chance to compete in their industries. What I have found most valuable about this is how much money and time is saved by these companies providing all the information needed to their clients. Here is just an example of one:
* New or used equipment - heavy, medium, and light duty
* Titled or non-titled equipment
* Non-recourse to the Dealer/Vendor
* Application only programs
* Competitive Rates
* Special finance programs to people who have had credit programs
* Owner Operators/Business owners OK, 2 years business experience
* Over the Road OK
* Small Truck fleets OK, no minimum fleet size
I found that there are usually three things you need to start the process to get approved:
1. Credit Application.
2. Last 6 months bank statements.
3. Complete Spec Sheet with VIN # and mileage if vehicle.
This is just a general outline of what consumers need to get their financing. Finally, I wanted to talk about the importance of communication. I find that most industries have stopped focusing on communicating with their clients. I, along with the businesses I mentioned above believe it is important for clients to have access to their finance partners. Even if you can’t walk up to their front door and ring the bell, companies must provide some form of visual or vocal contact. Being able to talk to someone in person or over the phone makes you feel like a human being and not just number. I think this is one of the most important things in business; to have a direct line of communication with the client, and for them with you. It is very easy for finance companies to lose clients by losing them in paperwork. It’s very easy to call this bad business and move along but companies who do this hurt their reputation and waste the time of their perspective clients. If you feel that the finance company is not giving you this curtsy, find a company that will. As they say, there are plenty of fish in the sea.
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