Equipment financing, made simple support@fivewestfinancial.com
Five West Financial
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Credit application.

Soft credit inquiry only — applying does not affect your credit score  ·  Expect to hear back within 1–2 business hours  ·  Mon–Fri, 7:00 AM – 5:00 PM MST

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Step 1 of 8 · Financing type
Section 1
What are you looking to do?

Choose the option that fits. The rest of the application adjusts to it, so you only see the questions that apply.

Equipment Finance ($1 buyout)

Every payment goes toward owning the machine. At the end of the term you pay one dollar and it is yours outright. Payments run higher than a lease, but nothing is left to negotiate at the end.

Makes most sense for equipment you will run for its full working life and that holds its value: medical and dental imaging, CBCT and operatory build-outs, excavators, dozers and skid steers, trucks and trailers, CNC machines and press brakes, commercial kitchen lines, tractors and harvesters.

Equipment Lease (FMV)

You pay for the use of the equipment, not the whole machine, so the payment is lower. At the end you hand it back, renew, or buy it for what it is worth then. The choice is yours, and none of it is forced.

Makes most sense for equipment a newer model meaningfully improves on, or when the lowest monthly payment matters more than owning it at the end: IT and server hardware, point-of-sale and kiosk systems, copiers and production printing, phone and network systems.

Equipment Leaseback

You already own the equipment. We purchase it from you and lease it back, which puts cash in your account while you keep using it every day. At the end of the term the equipment returns to you.

Makes most sense for businesses with paid-off or mostly paid-off equipment that need working capital without taking on a traditional loan: trucks and trailers, construction and ag equipment, manufacturing lines, medical and dental equipment.

Still unsure? Pick the closest fit and note your situation in the comments at the end. We will confirm the right structure with you when we call, and it does not hold up your application.

Section 2
About the request

Four quick answers. Together with your credit range, these decide what, if anything, we will need from you in the way of financials.
Equipment price before any down payment.
A comparable obligation paid as agreed is one of the strongest things a file can show.
Corporate-only financingBased on your revenue, time in business, and borrowing history, you may qualify to finance in the business name alone, with no personal guarantee.

Corporate-only financing is underwritten on the business itself, with no personal guarantee from the owners. For qualified borrowers with previous business borrowing history at similar dollar amounts, the business’s own credit and financials may be enough to qualify. Because there is no personal guarantor, underwriting relies more heavily on business financials, and we confirm eligibility when we review your file. If corporate only is not approved, we will let you know and can proceed with a personal guarantee instead.

Tick this to continue.

A startup file is underwritten on these documents, so tell us where yours stand.

Tick one of these to continue.

Section 3
Business information
Additional businessAn established business you also own can strengthen the file as a corporate co-guarantor. Tell us about it here.
Section 4
Ownership

Tell us about the owner(s) or personal guarantor(s). Ownership percentages must add up to 100%. If one owner holds less than 100%, add the other owners below (up to three total).
Your best estimate is fine. We review credit with a soft inquiry, which does not affect your score.
An approval at this credit tier needs at least two of these. Check everything that applies.

At this amount, full financials are required in addition to one other item above.

Email these to support@fivewestfinancial.com

Use the subject line Financials for your legal business name.

  • 2 years of business tax returns (if applicable)
  • 2 years of personal tax returns
  • 3 months of business bank statements
  • Last month’s business savings account statement (if applicable)
Co-signer details

    Email them to support@fivewestfinancial.com with the subject line Financials for your legal business name. Sending them during or right after this application gives you the highest odds of approval and the best terms we can put together.

    Corporate only: owners and authorized signerNo personal guarantee, so we do not need personal credit, Social Security numbers, or home addresses. We do need to know how many owners there are and who signs for the business.
    Total ownership 0% Enter each owner's percentage.
    Owner / Guarantor 1
    %
    Owner / Guarantor 2
    %
    Owner / Guarantor 3
    %
    Section 5
    Equipment

    Tell us what you are financing. If you have not chosen a specific unit yet, give us the vendor you are working with and your best description of the equipment.
    Leaseback detailsSince you already own this equipment, we need its purchase history and how it is titled.
    Titled vehicle details
    Please email a copy of the title and photos of the equipment to support@fivewestfinancial.com.

    A clear photo or scan of the front and back of the title is fine. For the equipment, a few phone photos are plenty: the front, each side, the VIN plate, and the odometer if it has one. Sending them now, during or right after this application, keeps your file moving and avoids a follow-up request later.

    Tick one of these to continue.

    Section 6
    Terms
    Percentage of the equipment price you plan to put down.
    Your best guess is fine and can change later. It helps us structure the lease and the end-of-term options up front.
    Section 7
    Additional information

    Optional but highly recommended. Include anything you want us to know that the fields above did not cover including context on the business, the deal, a past credit event, timing, or anything else that helps us position your file.
    Section 8
    Authorization & signature
    By signing below, the undersigned individual(s), who is either a principal of the credit applicant or a personal guarantor of its obligations, provides written instruction and authority to Five West Financial or its Designee as well as and in addition to any assignee or potential assignee thereof authorizing review of his/her personal credit profile from a national credit bureau. Such authorization shall extend to obtaining a credit profile in considering this application and subsequently for the purpose of update, renewal or extension of such credit or additional credit and for reviewing or collecting the resulting account. A photo static or facsimile copy of this authorization shall be valid as the original.
    Admin mode · validation off

    Submitting this application is free and does not obligate you to accept any offer. Prefer paper? Download the PDF application and email it to support@fivewestfinancial.com with the subject line “New Application - Your Business Name”.

    Your application has been submitted.

    Thank you — we've received your application and we will be in touch soon, usually within 1–2 business hours (Mon–Fri, 7:00 AM – 5:00 PM MST).

    Two things that keep your file moving:
    • Please unfreeze your credit. If you have a freeze or lock in place at Experian or Equifax, lift it now. We cannot complete the credit review in step 1 while your file is frozen, and that is the most common reason an application stalls.
    • Sending financials? Email bank statements, tax returns, or anything else you would like considered to support@fivewestfinancial.com and we will add them to your application.

    Application process overview

    1
    Application review
    We review both personal and business credit via soft inquiry and reach out if anything else is needed.
    2
    Approval options
    We secure approval options for you to compare.
    3
    Documents & deposit funding
    Documents are sent out for signature. We release deposit funding to the vendor if required for equipment once documents are signed.
    4
    Delivery confirmation & final funding
    Final funding is released after delivery confirmation and verbal authorization from the signor.
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