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Decisions in as little as 24 hours. Checking your options is a soft pull and costs you nothing.
True SparkFinancial

Flexible financing for construction, trucking, and more

Get the machine and the money your next job needs. Funded in days.

  • No hit to your credit
  • New or used machines
  • Payments fit your jobs
  • All 50 states

We help contractors pay for equipment, cover payroll and keep cash on hand. $25,000 to $5 million per deal, anywhere in the country. Apply today.

See How It Works

Takes about a minute. Looking at your options will not change your credit score.

Estimate a payment

$6,460/mo

Estimate only, not an offer of credit. Your actual rate depends on time in business, revenue, and equipment type. Subject to credit approval.

Built for heavy work

One broker who knows your file. Start to finish.

What we write

$25KSmallest deal
$5MMost we fund
24 hrsDecisions in as little as
50States served

Why work with us

Funding that moves as fast as the job does.

Three things you get here that a bank portal or a call center will not give you.

01

An answer in 24 hours

You are not waiting a month and a half to hear back. Decisions come back in as little as 24 hours, while the machine is still on the lot.

02

No hidden costs

You see the payment, the term and the total dollars before you sign anything. One payment. One date. The total written down.

03

A dedicated specialist

One person who knows your file and keeps helping your business grow. First deal or tenth. The same person every call.

Recent Client Wins

What the right machine did for their business. Real customers, their numbers.

Trucking · Taylor

His bank said he was growing too fast. We funded five more trucks.

5Trucks added to the fleet
$3KProfit per truck, every week
+$53KMonthly profit after payments

All five trucks for about $12,000 a month in payments.

Commercial contracting · Ashley

She was renting lifts for every job. Now she owns her boom lift.

1/2Equipment costs, owning instead of renting
+50%Revenue from new commercial contracts

She bought the lift to land a commercial contract.

Dump truck owner-operator · Manny

Five years driving for someone else. Now he drives his own truck.

20%Down on a used dump truck
2xHis old pay as a CDL driver
$19KA month, working for himself

All on a truck payment of about $2,200 a month.

Results from these customers' own businesses. Every business is different and yours will vary.

Funding programs

Three ways to put capital on the jobsite.

Built for heavy work. Priced around how contractors get paid. Business financing only.

Equipment Finance & Leasing

New or used · up to 100% financing · up to 84 months

  • Excavators, dozers, skidders, cranes, trucks. Dealer or private party
  • $0 down structures available on qualifying equipment
  • Section 179 and bonus depreciation may apply. Ask your CPA
  • Approval leans on the machine as much as your score

Working Capital

Up to $5 million · decisions in as little as 24 hours

  • Cover payroll while you wait on retainage
  • Buy materials at volume pricing before the season
  • Bridge the gap between mobilization and first draw
  • One cost, stated once. No daily drafts from your account

Business Line of Credit

Revolving · draw as needed · pay on what you use

  • Standby money for breakdowns and surprise bids
  • Built for seasonal logging and excavation cycles
  • Reuse the line as you pay it down. No reapplying

How it works

Application to wire in four steps.

One process. Same in all 50 states. No branch visits. No committees.

01

Apply online

One secure form covers your funding need and key business details. No 40-page bank packet.

02

Desk review

A real underwriter reads your file. Someone who knows what retainage is. You get options back.

03

Send docs, get terms

Send your financials and tax IDs. We return firm terms in plain English, with the full cost on one page.

04

Funds wired

Sign, and the money lands in your business account. Buy the machine, make payroll, win the bid.

Free, no application required

Run your own numbers before you call anybody.

Find out what a machine really costs after the tax break, without handing over your information.

Calculator

Equipment Tax Savings

Estimate your Section 179 and bonus depreciation write-off on a machine, and see how financing it can leave more cash in your pocket this year.

Estimate my savings →

After you hit submit

Here is what you get.

  • A decision in as little as 24 hoursA real answer with real numbers.
  • A tax walkthrough before you buyHow Section 179 and bonus depreciation may apply, so you can take the numbers to your CPA.
  • One funding advisor, start to finishOne person. Direct line. Knows your file from application to wire, and on your next deal too.

Cost to apply: nothing, and no hit to your credit score.

Straight answers

FAQ

Still have a question? Call the desk at (972) 419-4373.

Do I have to move my banking over?
No. Keep every account and every line exactly where it is. This sits alongside what you already have. Most of our customers run both.
Will applying hurt my credit score?
No. The first look is a soft pull, which has zero impact on your score. A hard pull only happens later, with your say-so, if you decide to move forward on a specific offer.
What are your rates?
It depends on the deal. Anyone quoting you a rate before seeing your file is guessing. Strong files price near bank rates. Tougher files cost more. You see the full dollar cost on one page before you sign anything.
What does it take to qualify?
An operating business, real revenue, and a deal that makes sense. On equipment deals the machine itself carries a lot of the weight, so your revenue and the machine often matter as much as the score. Tell us the situation and you get a straight answer either way.
How fast is fast, really?
The application takes about 4 minutes. Decisions come back in as little as 24 hours. On equipment deals, once you are approved we verify the seller and the machine, then get the seller paid quickly so you can get to work. Complex or larger deals take longer, and we tell you that up front.
I already have a cash advance. Can you help?
Often, yes. Bring the contract. We read the real cost out of it and tell you honestly whether refinancing saves you money. Sometimes the answer is to ride it out, and we will say so.
Do you finance used or private-party equipment?
Both. Dealer sales, auctions, and private-party purchases, new and used. Up to 100% financing is available on qualifying equipment for qualified applicants.
What documents do I need?
For most deals under $250K: the application and 3 to 6 months of business bank statements. Larger files add business financials and tax returns.
What does it cost to find out what I qualify for?
Nothing. No application fee and no obligation. You get real numbers and you decide from there.

About a minute · soft pull only

The job won't wait. Neither should the money.

Answer four quick questions and a real person calls you back with real numbers. No documents to dig up yet.

Rather talk? Call (972) 419-4373. Mon to Fri 8 to 6, Sat 9 to 2 CT.

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