Truck Financing Made Easier: Financing for Diverse Clients

At East Harbor Financial, we specialize in providing equipment financing solutions designed to meet the unique needs of C and D credit customers, as well as domestic and international investors. Our focus is on helping your customers access the equipment they need to grow their businesses, regardless of their credit history or experience.

Why Choose Us?

Flexible Criteria:

We understand that every client is different. That’s why we don’t have strict requirements like minimum fleet sizes or time in business. We cater to first-time buyers and are open to considering various situations, including those with no credit history.

Wide Range of Financing Options:

Our financing products include Equipment Finance Agreements (EFA) and True Leases. We offer competitive terms with a typical rate of 25.9% over 60 months and a down payment range of 30-40%. Plus, we finance sales taxes, simplifying the process for your clients.

Collateral Guidelines:

We accept a variety of equipment types, including:

Standard Sleepers: 2023 or newer, Class 7-8, under 300k miles (over $80k)

Classics: 2020 or newer

Light and Medium Duty Trucks: Must be brand new

Submission Guidelines

For submitting deals, please reach out to us at [email protected].

FICO Range: None required

Fleet Size: None required

CDL Requirement: None; we will consider investors with a 40% down payment

International Investors: No social security required

Credit Pulls: We perform soft pulls through TransUnion and Equifax, and do not require Paynet or a Master Score.

Additional Information

Application Amount: $80k or more

For documentation, we typically use paper but are willing to adopt DocuSign if necessary.

Contact Us Today!

With no prepayment penalties and a funding cutoff time of 4:30 PM, we strive to make the financing process as smooth as possible for you and your clients. Let’s open new opportunities together!

For more details, reach out at [email protected].