Who this is built for
Construction, medical/dental, trucking, manufacturing, tech/office build-outs.
A transaction of this shape
Illustrative example, not a past transaction. An excavation contractor needed $1,000,000 of dozers and trucks to take on highway work. We financed the fleet over 6 years with 10% down; the equipment paid for itself on the first two contracts and the depreciation sheltered income.
Qualification considerations
What the capital sources behind this structure look at. These are their published parameters, not an offer of credit, and a file that misses one is not automatically declined — it is a conversation about which source fits.
- Credit 580+
- 1+ year in business preferred (strong startups can qualify)
- 0–20% down
What usually rules a file out
- No identified equipment
- Very thin financials with no down payment
What the numbers look like
We do not publish rates, and we would not trust a site that did — pricing on a structure like this is set by the file, not by the page. What we publish instead is the model. Run your own figures through the same deterministic calculator the desk runs on a live file, free, with no sign-in and nothing to submit.
Run an equipment payment →What to have ready
You do not need all of this to start a conversation — submit first, and we will tell you what the specific file needs. This is what a transaction of this kind normally opens with.
- The vendor quote or invoice for the equipment
- Recent business bank statements
- The two most recent business tax returns, where the business has filed them
- A current profit & loss and balance sheet
- An accounts receivable and accounts payable aging
- An entity document for the borrowing entity, and a personal financial statement
How the process runs
Submit
You tell us about the transaction. Six questions, about sixty seconds.
Underwrite
We size it against the capital sources' documented parameters and tell you where it stands.
Execute
We manage the process through term sheet, diligence, and closing.
Close
You get results, and we stay involved for the next transaction.
Worth reading beside this
Have a transaction that looks like this?
Tell us what you are working on — six questions, about sixty seconds. We review it and come back with next steps, and if this is not the right structure for it, we will say which one is.
Submit an Opportunity →Business-purpose financing only. Canady Investments is not a bank and does not lend its own funds. This page describes a financing structure and the criteria the capital sources behind it publish; it is not an offer of credit, a commitment to lend, or a guarantee of financing, and nothing here is a quoted rate or term. All terms are subject to underwriting, documentation, and third-party capital source approval.