10/14/2026
We advertise equipment financing rates as low as 6.5%. Fair question: who gets that, and what puts you above it?
5 things move the number:
🔹Time in business. Day-one startups price differently than a 15-year operation
🔹Credit profile, business and personal, depending on the program
🔹The asset itself. A late-model excavator holds resale value better than a specialty machine with a thin secondary market, and lenders account for that risk
🔹Term length. Stretching payments out costs more in total
🔹Down payment. Cash in reduces the lender's exposure, and usually your rate with it
"As low as" is a floor, not a quote. Anyone handing you a firm figure before they have seen a bank statement is guessing.
Call (888) 551-0215 and we will show you where your file lands and why.