Auction Equipment Financing Made Easy
What Types of Equipment Can You Finance at Auction?
We fund both new and used equipment, including:
- Skid steers, loaders, and excavators
- Trucks, trailers, and utility vehicles
- Tractors, balers, and ag implements
- Restaurant and food service equipment
- Diagnostic and medical devices
- Retail, service, and mobile business tools
If it’s sold at auction for commercial use, chances are we can finance it.

Bid-Ready Financing for Equipment Buyers
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Auctions are competitive and fast-paced. The last thing you want is to win a bid and scramble for funding. Our auction financing solutions are designed to give you peace of mind and position you for a smooth transaction. We help businesses finance equipment from: Ritchie Bros Purple Wave IronPlanet BigIron GovPlanet Online auctions and local dealer sales Liquidation and estate auctions Private sales handled through auction platforms
Same Day Pre-Approval Gives You the Advantage
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We provide auction pre-approvals within 24 hours, so you know your budget, terms, and buying power before you bid. Benefits of Getting Pre-Approved: Know exactly what you can spend before the auction Eliminate surprises and funding delays Boost your credibility with sellers and auction platforms Act fast without waiting for bank approval Secure financing even with bad credit or no credit Our process is fast, simple, and built for buyers who need to move quickly.
How Our Auction Financing Process Works
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Step 1: Apply Online Fill out a short application — no hard credit pull required. Step 2: Get Pre-Approved We evaluate your business profile and pre-approve you for funding in 24 hours or less. Step 3: Bid Confidently Go into your auction knowing exactly what you can afford. We coordinate funding right after you win.
Why Smart Business Credit for Auction Purchases?
- Pre-approvals within 24 hours
- All credit types accepted
- Startup-friendly and EIN-only options
- Flexible loan and lease terms
- We fund both physical and online auctions
- Used and private party purchases allowed
- Personalized support throughout the bidding and purchase process
We understand how auctions work — and we’re ready to support you with tools, timing, and capital.

Related Equipment Financing Solutions
Frequently Asked Questions
Can I apply before I know what equipment I’m buying?
Yes. We can issue a pre-approval so you're ready to bid. You’ll finalize details once you win.
Do you finance online and in-person auctions?
Yes. We finance auction purchases from Ritchie Bros., IronPlanet, and others — whether online or live.
Do I need excellent credit to get approved?
No. We consider all credit types and focus on your business needs and ability to repay.
Can I finance used equipment from an auction?
Absolutely. Auction and liquidation sales are one of our specialties.
How fast can I get funding after I win?
Most funds are released within 1–2 business days after your approval and final invoice.