Frequently Asked Questions (FAQ)

1. What is equipment financing?

Answer: Equipment financing is a type of business loan that allows you to purchase new or used equipment without paying the full cost upfront. At Texas Equipment Finance, we provide flexible equipment financing options for dump trucks, construction machinery, commercial vehicles, and more — so your business can grow while preserving cash flow.

2. Who qualifies for equipment financing?

Answer: Most small business owners can qualify for equipment financing, including startups and companies with less-than-perfect credit. We work with a wide network of lenders to provide financing solutions for all credit types, so you don’t have to worry if a traditional bank turned you down.

3. Can I finance a dump truck or commercial vehicle?

Answer: Yes! We specialize in dump truck financing and commercial truck loans for business owners across Texas and nationwide. Whether you’re purchasing one truck or building a fleet, our financing programs make it affordable with low down payments and flexible terms.

4. Do you offer commercial real estate loans?

Answer: Absolutely. Our commercial real estate financing options allow business owners to purchase or refinance commercial property, land, warehouses, or office space. We help you secure competitive rates and terms to support your long-term business goals.

5. How fast can I get approved?

Answer: Many of our clients receive approval within 24–48 hours after submitting their application. Because we work with multiple lenders, we can quickly match you with the best financing option for your business.

6. Do you work with startups?

Answer: Yes. Unlike traditional banks, we offer equipment financing and working capital loans for startups. Even if your business has limited operating history, we’ll help you find funding to purchase equipment, trucks, or property to get your company moving.

7. What if I have bad credit?

Answer: Don’t worry — we specialize in bad credit equipment financing and working capital solutions. Our lender network understands that small business owners may face challenges, and we provide programs that give you a second chance to build and grow your business.

8. What industries do you serve?

Answer: We proudly finance businesses in construction, trucking, transportation, manufacturing, landscaping, and other small business industries. If your business needs equipment, vehicles, property, or cash flow support, we can help.

9. What is working capital financing?

Answer: Working capital loans provide fast access to cash for everyday expenses like payroll, inventory, or unexpected costs. These short-term loans help small business owners in Texas and nationwide maintain healthy cash flow and take advantage of growth opportunities.

10. How do I apply for financing?

Answer: Applying is quick and easy. Simply fill out our online application or contact us directly to get started. Our team will review your needs, match you with the best loan option, and guide you through the approval process so you can get funded fast.