Bad Credit Equipment Financing
Who Is This For?
Our bad credit equipment financing programs are ideal for:
- Business owners with low FICO scores
- First-time buyers with no financing history
- Startups and new LLCs
- Previously denied applicants
- Sole proprietors and gig economy workers
- Entrepreneurs with recent credit challenges
If you’ve been told “no” by a traditional lender, we may be able to say “yes.”
What We Finance
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We provide funding for a wide range of new and used equipment, including: Trucks and trailers Construction equipment Farming machinery Medical and dental equipment Restaurant and kitchen setups Office and IT equipment Retail and service tools Mobile business units and food trucks Our programs are designed to help you start earning with the equipment you need — regardless of your credit history.
How We Help You Get Approved?
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We focus on more than just your credit score. Here’s how we make financing possible: Soft credit pull only (no impact on your score) EIN-only financing options in select cases Consideration of business potential, revenue, and industry Flexible lease or loan structures Used and auction equipment approved Simple, fast application with minimal documentation Our team will work with you one-on-one to structure a solution that fits your business — not just your credit profile.
How It Works
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Step 1: Apply Online Fill out our simple form — no hard credit check. Step 2: Get Pre-Approved We’ll review your application and send financing options tailored to your situation. Step 3: Get Funded Once approved, we coordinate with your equipment seller and issue payment fast.
Real Equipment. Real Approvals. Real People.
You don't need to wait until your credit improves. With Smart Business Credit, you can:
- Buy from a dealer, private seller, or auction
- Finance new or used equipment
- Bundle multiple items into one agreement
- Get approved as a sole proprietor or LLC
- Start building your business — and your credit
We’ve helped hundreds of business owners with credit scores below 600 get the tools they need to move forward.
Related Financing Pages
Frequently Asked Questions
Can I get approved with a 500 credit score or lower?
In many cases, yes. We look at multiple factors beyond your score.
Do you require collateral or a large down payment?
Not always. We have low-down-payment options and unsecured structures depending on your business and the equipment.
Will applying hurt my credit?
No. Our application uses a soft credit pull and won’t affect your score.
Do you offer startup financing?
Yes. Many of our clients are new businesses or first-time buyers.
Can I finance used or private seller equipment?
Absolutely. We support auction, dealer, and private party purchases.
