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Perry Funding Equipment Financing Program FP


App Only – No Financials Required – Startups OK

This program is for customers with fair to good credit who cannot get satisfactory financing through a bank or through ordinary lending sources. Homeownership not required.

This program has several categories. See below. We like to see credit scores in the mid to high 600’s with good depth of credit, but we will look at deals all the way down to 600. Time in business is very important. Less than two years is considered a Start-Up business and requires deep credit history with a score in the upper 600’s to low 700’s on case by case basis. A thin credit file is not acceptable in either case.

Please Read the Guidelines Below

General Guidelines:
  • 1. This program requires no down payment. Cash out of pocket will include a processing fee of $295 and one or two advance payments on the contract. If titled equipment, there will be titling fees ranging from $450 to $600.

  • 2. 2) Most any type of equipment ok. Review “Types of Equipment” from the dropdown on our website under “Equipment Financing” from our home page, to see the types of equipment we will fund. Most trucks and other vehicles are ok in a couple of the below categories.

  • 3. Mid-Financial Funding – App Only – Loan amount from $10,000 to $50,000. Private sales ok. Titled equipment OK.

  • 4. Upper-Financial Funding – App Only – Loan amount from $10,000 to $150,000. Private Sales OK on a case by case basis. Titled equipment ok.

    5.Terms range from 24 to 60 months.

  • 6. New and used equipment are both OK..

  • 7. App Only Approvals generally take from 2-4 hours but never more than 24 hours.

  • 8. Funding can usually be done the same day that the original signed contract is returned. Worst case is next day or two.

  • 9. Most programs offer a choice of an EFA (Equipment Finance Agreement) or Lease with $1.00 or FMV (Fair Market Value) buyout at the end of the lease.
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  • To get started, we need, at minimum: Credit application completed and signed, a color scanned copy of your driver’s license or CDL, and an invoice from the vendor for the equipment including specs, serial #, etc.

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