Commercial Programs
Grow Your Business with the Right Financing
Transactions of $5,000 and Up
Commercial Programs
One Application works for your best credit customers and the No Credit Challenged customer. Because we are not a lender but represent 18 lenders and counting, we are able to offer a broad range of programs to a wide audience. Use the guide below to determine which features are most important to you, and we will work with you to match you with a lender and program that meet your needs.
Variations of these programs may be available to suit your unique needs.
Speak with a representative for a personalized assessment.
Deduct 100% of your Q4
Equipment Purchase
Finance your equipment purchase with deferred payments and deduct 100% of your equipment purchase!
New! Collateral Based Financing Program
Amounts $20,000 – $400,000.
Use the cash, collateral, or real estate you already own to leverage acquisition of more equipment.
New businesses, past bankruptcy, credit challenges all considered.
NEW! Fleet Lease Program
Amounts up to $250,000.
Take advantage of the remaining value in your old mower when you need a new one.
NEW! Commercial Express Program
Amounts of $500-$15,000.
Full approvals in seconds!
No Credit Needed
NEW! 10% Residual Program
Amounts up to $250,000.
Take advantage of the remaining value in your old mower when you need a new one.
$1 Buy-Out Program
Amounts up to $250,000.
This tried & true program can be structured as a lease or finance agreement.
9 Month/ 3Month Program
Amounts of $5,000 – $35,000.
Synch your payments to the seasonal rhythm of your business.
Start-Up Program
Amounts of $5,000 –$30,000.
In businesses for under 2 years? This program can help you get started and grow.
90 Day Deferred Program
Amounts of $5,000 – $150,000.
Get a headstart on cashflow before full payments kick in.
6 Month Deferred/Step Program
Amounts of $35,000 – $75,000.
Get an even bigger headstart on cashflow before full payments kick in.
Working Capital
Amounts up to $100,000.
When you need capital for expansion, operations, renovation, buying out a partner, consolidating debt.
Municipal Financing
For government entities and certain non-profits.
Learn more here or through the printable 1-pager below.
SBA Paycheck Protection Program (PPP) and Economic Injury Disaster Loans (EIDL)
The Small Business Administration provides our bank partners with a guarantee that you will repay the loan our bank partners make to you. Our banks are some of the most experienced lenders in these programs. A few have been granted Preferred status by the SBA, allowing them to in effect make decisions for the SBA.
If you have been unsuccessful applying through your own bank or prefer to have the help of Mower Finance, fill out an application here. A team member will get back to you to discuss your unique situation and further documentation needed.
How Equipment Financing Works
Applying for financing through Mower Finance gives you access to our network of lenders curated to serve a wide range of credit profiles and needs.
Apply
Fill out the Mower Finance online application at home or through your dealer’s portal to get the ball rolling. It’s one page and only takes a minute or two.
Tell Us Your Story
The Mower Finance team will contact you to assess your needs further and help you compile the necessary documentation.
Get Matched to a Lender
The Mower Finance team will match you with an appropriate deal and lender based on your credit profile and unique needs. We can also match you with a dealer that carries your desired equipment if you haven’t selected one already.
Get Funded
Once you accept the lender’s terms, and your dealer submits the invoice for your equipment and any accessories to the lender, your transaction is complete. The lender will fund the purchase via ACH and notify the dealer to release the equipment to you.
Second Chance Financing
Mower Finance proud to be able to secure funding for over 30% of the turn-downs we receive from other lenders. Our lender network and the experience of our agents make it possible for Mower Finance to find creative solutions for customers in all kinds of situations.
Sample Rates
A Rates*
As Low As 0.0%
- 5+ years time in business required
- Terms of 24 months to 72 months
- 750+ Credit Score
- 660+ Paynet
- Comparable business borrowing
- No Bankruptcy
Application-Only Up To
$250,000
B Rates*
As Low As 7.5%
- 2+ years time in business required
- Terms of 24 months to 60 months
- 660+ Credit Score
- 650+ Paynet
- Comparable business borrowing
- No Bankruptcy
Application-Only Up To
$75,000
C Rates*
As Low As 15.5%
- 2+ years time in business required
- Terms of 24 months to 48 months
- 580+ Credit Score
- 640+ Paynet
- Comparable business borrowing
- Credit re-established after bankruptcy
Application-Only Up To
$39,000
Transactions over $250,000
We finance fleets and larger equipment. Mower Finance will provide you with a customized quote based on your unique situation.
Speak to Bob Zinn 954-522-3773 for an assessment.
*Rates are approximate for purposes of comparison and depend on the particular lending product and many other factors unique to each applicant.
