$92K of new equipment, financed at the right rate
Roberto had been quoted 18 percent on a piece of HVAC equipment he could write off as a 6-year asset. He didn't have to take that quote. He just didn't know there was a different room to walk into.
Roberto's two-truck HVAC operation was profitable — six years in, just over a million in trailing twelve revenue, almost no debt. The problem was that he had been buying equipment through a dealer-financed channel that priced the loan into the equipment, and he didn't realize how much margin was being lost on the spread.
The personal file was clean. The business file was thin in a specific way: lots of bank activity, almost no furnished business accounts. Lenders were treating him like a younger business than he was.
The file didn't need a rebuild — it needed depth. A few targeted furnished business accounts, a clean entity record, and a packet that showed the operation's revenue history at scale was enough to move the conversation from a dealer financing desk to a direct equipment lender.
- 01Opened 3 reported business trade lines (parts supplier, fleet fuel, uniform vendor) to add depth to the profile
- 02Reconciled the LLC name across the bureaus, the bank-of-record, and the equipment dealer's quote
- 03Compiled 24 months of bank statements into one packet alongside the equipment quote and use-of-funds memo
- 04Submitted to a direct equipment finance lender first, then a community bank as the second option
- 05Declined the dealer's original 18 percent quote in writing once the new offer came in
“The equipment was always the same equipment. The financing was the part I should have shopped years ago.”