Presented by:
Dan Robinson, COO, Universal Finance Corp.
Scott Worth, EVP of Credit, Universal Finance Corp.
When it comes to financing construction equipment, a strong credit score is only part of the story. For contractors, understanding how lenders evaluate a financing request can make a meaningful difference when it’s time to purchase equipment, replace aging assets, or invest in growth.
As you begin planning for 2027, it’s important to understand not only what lenders look at, but also how working with an independent equipment lender can provide financing options that may not be available through traditional bank lending.
Join Universal Finance Corp., a leading lender serving construction, vocational trucking, and landscaping companies nationwide for more than 40 years, for an inside look at what really drives equipment financing decisions.
Our experts will explain how independent lenders can take a more comprehensive approach to underwriting, looking beyond a credit score to consider the equipment, strength of the business, and structure of the transaction.
What You’ll Learn:
- The difference between independent underwriting lenders and traditional bank lending
- How equipment type, value, condition, and equity can impact financing decisions
- The role that down payments and equipment equity play in the transaction structure
- Financing options for challenged credit, startups, and unique business situations
- How to utilize cash-out and working capital to manage business needs and support growth
Whether you’re an established contractor replacing equipment, expanding your fleet, or planning your next phase of growth, you’ll leave with a better understanding of how lenders evaluate the whole transaction and how different financing approaches can create opportunities to move your business forward.
Sign up today!