DEALER FINANCING
Equipment dealer financing that closes the sale on your floor
American Capital Group is a direct lender that has worked with equipment dealers since 1995. Your customer gets a payment, you get paid at funding, and nobody waits on a bank.
THE PARTNERSHIP
Advantages of a dealer financing partnership
American Capital Group provides equipment dealers and distributors with commercial lease and finance programs for their customers across North America and across industries. Here is what the partnership gives you.
01
More sales
A monthly payment makes the equipment affordable to customers who would not, or could not, write the cheque. Buyers who were comparing prices start comparing payments.
02
Flexible payment options
Terms and structures chosen to fit the customer's cash flow, including deferred first payments and seasonal schedules where the business needs them.
03
No extra paperwork
When you arrange financing through us, we handle the application, credit, documents and collection. Your time goes to more productive work and more selling.
04
Paid directly, in full
We purchase the equipment from you and pay you at funding. There is no waiting for a customer's payments and no recourse to you.
HOW WE ARE DIFFERENT
How American Capital Group is different
01
Direct lender
We are not a broker passing your customer's file around. Underwriting, documents and funding are done here, by the account executive you know.
02
Private label
A customized online application page and documents carrying your logo and branding, so financing feels like part of your offer.
03
Soft costs included
Our leases are all-inclusive. Installation, shipping, software, training and warranties can be financed alongside the equipment.
04
Service you can see
A named account executive on every deal, who tells you where each application stands from submitted to funded.
INDUSTRIES SERVED
Dealers we work with
The dealer program is not limited to these, but they are the floors we know best. Each link opens the program for that equipment.
QUESTIONS
What dealers ask us
Is American Capital Group a direct lender or a broker?
A direct lender. We underwrite, document and fund the transaction ourselves, so the answer your customer gets comes from us and the money you receive at funding comes from us.
What size transactions does the dealer program cover?
Equipment from $10,000 up. There is no fixed ceiling; larger transactions are reviewed individually, and multi-unit or fleet purchases are common.
How quickly does a dealer's customer get a decision?
Most applications receive a decision within one business day, often within hours. The customer applies online in a couple of minutes and your account executive keeps you informed.
Can we private-label the application?
Yes. We build a customized online application page carrying your logo and branding, so the financing your customer sees looks like part of your offer, and the paperwork can carry your name.
Do you finance used equipment sold by dealers?
Yes. New and used equipment, and refurbished units, from your inventory or ordered from a manufacturer. Soft costs such as delivery, installation and training can be included.
What happens after my customer is approved?
We prepare the documents, the customer signs electronically, you deliver the equipment, the customer confirms it, and we pay you in full. Your account executive keeps you posted at each step.
Keep reading
The vendor program
What a vendor account includes, and the form that opens one.
Benefits of financing
What a payment does for the buyer, and for your close rate.
How it works
The eight steps from a quote with a payment on it to money in your account.
What we finance
Every equipment program on the site, by industry.
Ready to put a payment on your next quote?
Set up a vendor account and an ACG account executive walks you through the first deal. Or write to vendor services and ask anything first.