Credit score is one factor — not the only one. We work with buyers across all credit situations, including scores below 600, to find equipment financing that fits your situation.
Initial application is intended for matching. If a lender needs a hard credit pull, you will be notified first.
Commercial equipment financing is different from consumer loans. The equipment itself serves as collateral, which gives lenders more security — and gives buyers with challenged credit more options.
Because the truck, trailer, or machine secures the loan, lenders can work with lower credit scores than they would on unsecured financing. The equipment's value matters as much as your score.
A stronger down payment is the single most effective way to offset bad credit. Even 10-20% down can dramatically improve your approval odds and interest rate.
Steady income or business revenue demonstrates repayment ability. Many lenders will approve buyers with low scores who have consistent cash flow.
Established businesses with a track record have more options than startups. But new operators are still welcome — some programs are designed specifically for them.
Dump trucks, flatbeds, box trucks, rollbacks, and service trucks for contractors and haulers.
Equipment trailers, dump trailers, enclosed trailers, and utility trailers for all industries.
Skid steers, excavators, loaders, and compactors for contractors and site work operators.
Tractors, implements, and agricultural equipment for farm operations of all sizes.
Takes under 2 minutes. Tell us what you need and your basic financial situation. No hard pull at this stage.
Not every lender is right for every credit profile. We match you with the ones who specialize in challenged credit.
We give you honest feedback on what's available for your credit situation and what you can do to improve your terms.
Once approved, lock in the unit before someone else does. Quality equipment moves fast at the right price.
Even 10% down changes the conversation with lenders. More down payment means lower risk for the lender and better terms for you.
Bank statements, tax returns, or contracts showing steady income go a long way with commercial lenders evaluating challenged credit.
Lenders are more comfortable with equipment that holds value. A well-maintained truck or machine with solid hours/mileage improves your odds.
Don't talk yourself out of applying before you know your options. The only way to find out what's available is to submit an application.
Find trucks, trailers, and equipment on Torque Hub and apply when you're ready.
Yes. We work with buyers with credit scores below 600. Down payment, income, and the equipment itself all matter alongside your credit score.
There is no hard cutoff. Some lenders work with scores in the 500s and even lower depending on the situation. Apply and let us find the right fit.
Submitting through Torque Hub is intended for initial matching only. If a lender needs a hard credit pull, you should be notified before that step.
Work trucks, trailers, skid steers, excavators, tractors, and other commercial equipment. Equipment serves as collateral which makes these loans more accessible than unsecured credit.
Yes. A larger down payment significantly improves your chances of approval and can offset a lower credit score with most commercial lenders.
Apply and let us find what options are available for your situation. Takes less than 2 minutes.
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