Apply for Equipment Financing
Fast, flexible financing — no credit impact to apply. Whether you're a startup, a growing contractor, or a business looking to upgrade equipment, our process is built for speed, simplicity, and real-world needs. You’ll get: A quick pre-approval (in most cases, under 24 hours) A soft credit check — so your score stays protected Flexible terms for new, used, or auction-based equipment Zero obligation to accept an offer Complete the short application below to explore your options — and move forward with confidence.
Business Information
Step 1 of 3Ready to Get Started? Here’s What You’ll Need:
Our application is quick and easy — most people finish in just a few minutes. Here’s what you’ll want to have on hand:
Basic Business Information
- Legal business name
- Business structure (LLC, sole prop, etc.)
- EIN or SSN (if sole proprietor)
- Business contact details
Equipment Details
- Item type (truck, machine, trailer, etc.)
- Price estimate or seller quote
- Seller name or auction link (if available)
Personal Information
- Name, phone, and email
- Address and ID for verification
- Soft credit check authorization (no score impact)
Optional (only in some cases)
- 3 months of business bank statements
- Proof of revenue or upcoming contracts
No tax returns, no business plan, and no lengthy paperwork. Just the basics — so you can move forward quickly.
How Our Application Works
We’ve designed our process to be simple, fast, and built around real business needs — not bank-sized paperwork.
Here’s what to expect
Step 1 – Submit the short form
Tell us about your business and the equipment you’re financing. It takes less than 5 minutes.
Step 2 – Get matched with the best options
We review your info and match you with the most suitable programs — based on your credit profile, equipment, and business type.
Step 3 – Get pre-approved (fast)
Most applicants receive a pre-approval in under 24 hours. There’s no obligation to move forward.
Step 4 – Choose your plan
You’ll review available rates, terms, and monthly payments. Ask questions anytime — we’re here to help.
Step 5 – Sign and get funded
Once you choose an offer, we finalize paperwork and release funds. Equipment can be paid for quickly — even within 1–2 business days.
No hidden fees. No surprises. Just a financing process that works for real businesses.
Why Apply With Smart Business Credit?
We’re not a big bank. We’re built for small businesses — and we know how to move fast, fund flexibly, and make financing feel less like a fight.
Here’s why thousands of business owners choose us:
No credit impact to apply
We use a soft credit pull — so you can explore your options without risk.
Fast approvals
Most applications are reviewed the same day. You’ll hear from us fast — often within hours.
Friendly to startups and first-time buyers
We don’t require years of tax returns or perfect business credit. If you’ve got a plan, we’ll help fund it.
Financing for new, used, or auction equipment
We support private sellers, liquidators, and even online equipment auctions — with no dealer restrictions.
Real people, real help
Have a question? You can talk to someone who actually understands equipment financing — not just read an FAQ.
We’re here to help you move your business forward — with speed, clarity, and no hidden obstacles.
