Established businesses
Operating 2+ years? Explore eligible purchases or leases from $15,000 to $5 million. Guarantor FICO starts at 640; terms and asset limits apply.
View the basics →
FINANCING OPTIONS
The right equipment.
An informed next step.
Explore equipment financing programs through ATC. Understand the requirements before you decide.
Auto Trade Capital LLC is a broker. Financing is subject to lender approval.
CHOOSE YOUR PATH
Three ways to begin.
Starting your own shop
For businesses under two years: startup summary requires 680+ guarantor FICO and 3+ years of industry experience, up to $200,000.
Explore startup requirements →Equipment you already own
Ask about sale-leaseback or cash-out on eligible equipment owned free and clear. Valuation, liens and separate program requirements apply.
Understand equipment cash-out →ESTABLISHED BUSINESS • 2+ YEARS
Purchase or lease eligible equipment.
$15K–$5MEstablished-program request range
24–60Months; asset determines available term
MonthlyPayment frequency
Guarantor credit begins at 640. Application-only limits are up to $250,000 for scores 640–679 and up to $300,000 for scores 680+. Additional documentation and underwriting conditions can apply. These figures are program guidelines, not offers.
Above the applicable threshold, prepare two years of tax returns and business financial statements, interim year-to-date financial statements and six months of business bank statements. ATC will confirm the exact requirement.
NEW BUSINESS • UNDER 2 YEARS
Your experience matters.
The startup summary calls for a guarantor FICO of 680+, at least three years of relevant industry experience, and requests up to $200,000. Prepare a work-history summary and equipment quote. Startup-specific documentation, terms and upfront requirements need lender confirmation.
Discuss your startupEQUIPMENT YOU OWN
Explore sale-leaseback or cash-out.
Eligible equipment owned free and clear may support an owned-equipment funding transaction. The lender reviews ownership, valuation, liens and condition. A blanket lien may need to be resolved even if the equipment loan is paid off.
Ownership, repurchase rights and payment obligations depend on the actual structure. We do not promise a percentage of equipment value or a cash amount before lender review.
Discuss owned equipmentNEW & USED
Start with a clear equipment quote.
New equipment
Provide a vendor quote and itemized equipment details. Ask about taxes, freight, installation and any non-equipment costs separately.
Eligible used equipment
The supplied general-equipment guideline is five years or newer. Condition, category and lender rules determine eligibility and the available term.
Tow vehicles and recovery equipment
Vehicle-specific limits and title requirements apply. Explore towing equipment →
PROGRAM BASICS
What determines a fit?
Business & owner
Established program: 2+ years operating and guarantor FICO 640+. Startup summary: 680+ and 3+ years relevant industry experience.
Equipment & location
Equipment must meet category, age and condition requirements. Continental-US headquarters only; Alaska and Hawaii excluded. ATC service-state review also applies.
Your actual offer
Meeting a threshold is not an approval. The lender determines the available amount, structure, term and required documents.
PAYMENT PLANNING
Understand the full offer.
Your monthly payment is only one part of the decision. Review the total financed amount, cash due, fees, payment count, ownership, personal guarantee, end-of-term purchase option and early-payoff calculation.
An equipment lease may not work like a standard interest-bearing loan. We will discuss a written offer instead of presenting a generic calculator as a the lender quote.
Request an equipment reviewYOUR NEXT MOVE
Tell us what your business needs.
Share your equipment plans. Our team will help you understand the next step.
Start your request 804-374-9001