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  • Financing
    • Commercial
    • House of Worship
    • Municipal & Government
    • Working Capital
  • Industries
  • Equipment Sellers
  • Contact
    • Meet Our Team
  • Payment Calculators
    • Payment Calculator
    • Section 179 Tax Savings
  • Apply Now
    • Commercial Programs
    • House of Worship Options
    • Municipal & Government
    • Working Capital

Commercial Financing

Financing your equipment will help you to maintain strong cash flow while helping your business grow.

APPLY NOW

COMMERCIAL FINANCING

Get the equipment you need, when you need it!

When it comes time to purchase new or used equipment needed to run your business, you don’t have time to wait for the bank.  Get a fast approval decision and have your equipment ordered the same day as your approval!  Apply Now in just a few minutes!

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REVENUE GENERATING

Let the equipment you buy pay for itself over time with a fixed monthly payment.

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100% TAX DEDUCTIBLE

Lease payments may be fully tax-deductible as an operating expense. Consult your tax advisor today!

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SAVE YOUR CREDIT LINES

Financing with HRF allows you to keep your existing lines of credit open and still acquire the equipment you need.

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Fast approval Process

Fill out our one page application and get approved in just a few hours.

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Low upfront Costs

Typical HRF lease programs only require two advance payments (or less) along with the documentation fee. Our upfront costs are lower compared to a bank loan that may require 10-30% or more.

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Always have the newest equipment

Impress your customers by always having the newest and most efficient technology. Keeping your equipment up-to-date will give you an edge on your competition!

Choose Your Perfect Program

  • Standard
  • Corp Only
  • Start Up
  • Second Chance

Standard

Most businesses will qualify under the Standard Commercial Program. This program can help a wide range of businesses, from average to great credit strength. The stronger the credit of the business and personal guarantor, the lower your monthly payment will be. Have less than perfect credit? No problem – this program is very flexible and will adjust to your situation.

BUSINESS REQUIREMENTS
–  2+ years in existence
–  Sole Proprietors, Partnerships, LLC and Corporations all accepted
–  Personal Guarantor is required
–  $1,000+ minimum purchase
–  Business must maintain active registration with your U.S. state

PERSONAL GUARANTOR REQUIREMENTS
–  600+ FICO Score
–  Positive credit history for 1+ year
–  History of installment loans preferred
–  5+ open credit lines

PROGRAM HIGHLIGHTS
The Standard Commercial Program offers flexible payment terms with 12-60 month options available. Apply today within minutes and have your equipment ordered within 1-2 business days!

APPLY NOW!

REQUIREMENTS

2+ YEARS IN EXISTENCE
ANY BUSINESS TYPE
PERSONAL GUARANTOR REQUIRED

Purchases of $1,000 - $15,000

- Online Application

- Quote or list of equipment to be purchased

Purchases of $15,000 - $250,000

- Online Application

- Last (3) months bank statements

- Quote or list of equipment to be purchased

Purchases of $250,000+

- Online Application

- Last (3) months bank statements

- Last (2) years Financial Statements

- Current Interim Statement

- Quote or list of equipment to be purchased

Premier Commercial Program

The Premier Commercial Program is for well-established businesses with a strong financial base. Typically, a personal guarantor is not required for this program. Check out our requirements below to see if you qualify. Please understand these are guidelines, we may be able to approve you for this program even if you do not meet each of the requirements.

BUSINESS REQUIREMENTS
– Must be a well established business
– LLC’s, Incorporation’s, Non-Profit’s 
– Dunn & Bradstreet rated will help

FINANCIAL REQUIREMENTS
– Business must maintain strong Cash Flow
– Audited/Reviewed Financial Statements may be requested
– Commercial Credit history required

PROGRAM HIGHLIGHTS
The Premier Commercial Program is our strongest program available to businesses. Your business will be paying some of the lowest lease payments available in the market today.

REQUIREMENTS

15+ YEARS IN EXISTENCE
LLC’S, INCORPORATION’S, NON PROFIT’S
NO PERSONAL GUARANTOR REQUIRED
STRONG CASH FLOW

Purchases of $1,000 - $15,000

- Online Application

- Quote or list of equipment to be purchased

Purchases of $15,000 - $250,000

- Online Application

- Last (3) months bank statements

- Quote or list of equipment to be purchased

Purchases of $250,000+

- Online Application

- Last (3) months bank statements

- Last (2) years Financial Statements

- Current Interim Statement

- Quote or list of equipment to be purchased

APPLY NOW!

Start-up Commercial Program

You are going to need a variety of equipment to get your business off the ground.  Hampton Ridge Financial specializes in assisting new businesses with their equipment purchases.  We want to be your preferred finance source as you grow your business.

BUSINESS REQUIREMENTS
– 0 – 2 years in existence
– All Business Types including Sole Proprietorships
– Personal Guarantor is required
– $1,000+ minimum purchase

PERSONAL GUARANTOR REQUIREMENTS
– 600+ FICO Score
– Positive credit history for 1+ year
– History of installment loans preferred
– 5+ open credit lines

You’ve got options!

Many financial institutions simply do not offer financing to new organizations. With Hampton Ridge Financial, you’ve found a partner that will not only help you get off the ground, but will be there to help you grow for years to come.

APPLY NOW!

REQUIREMENTS

0-2 YEARS IN EXISTENCE
ALL BUSINESS TYPES
PERSONAL GUARANTOR REQUIRED

Purchases of $1,000 - $25,000+

- Online Application

- Quote or list of equipment to be purchased
- Bank statements may be required

Second Chance Commercial Program

Challenged credit? We believe everyone deserves a second chance. If you filed for bankruptcy in the last few years or simply fell behind on payments causing your credit score to suffer, we can get you approved! Our goal is to help you get back on track and help you build your credit back up to where it should be.

BUSIENSS REQUIREMENTS
– 0+ years in existence
– All business types including Sole Proprietorships
– Personal Guarantor is required
– $1,000.00+ minimum purchase

PERSONAL GUARANTOR REQUIREMENTS
– 550+ FICO Score
– No currently past due accounts
– If a previous bankruptcy, must have newly established installment history since dismissal
– No open tax liens or judgments

APPLY NOW!

REQUIREMENTS

0+ YEARS IN EXISTENCE
ALL BUSINESS TYPES
PERSONAL GUARANTOR REQUIRED
NO CURRENTLY PAST DUE ACCOUNTS

Purchases of $1,000 - $25,000+

- Online Application

- Quote or list of equipment to be purchased
- Bank Statements may be required

FAQs

Why Lease?

Can I own the equipment if I lease?
Yes, many HRF leasing options allow your business to own the equipment after your last payment is made. End of lease options include $1 buyout, Term Residual Lease, 10-15% buyout, or Fair Market Value leases.
What kind of equipment can I lease?

If you need it for your business, there is a good chance we have leased it. Almost any type of business equipment qualifies, even used equipment.

Does leasing equipment improve my cash flow?

Yes! Instead of expending your cash reserves, you can generate revenue while making low monthly payments. This keeps your cash reserves available for other expenses.

My business is brand new, can I apply?

Yes! We provide financing for start-up businesses. Let us help you grow you business for years to come.

Is there a prepayment penalty?

With a lease, there is no prepayment penalty if you choose to pay off your contract early. If your goal is to pay the contract off early, we recommend choosing the shortest term that your budget can handle. This will provide you with the lowest out of pocket cost to fulfill your contract. Your early payoff amount is simply the remaining payments left in the contract, minus any discounts.

What if I have a low credit score or past bankruptcy?

We believe in second chances. Even if you have a previous bankruptcy and have re-established your credit, or simply went through a rough patch and missed a few payments, we can still get you approved.

EQUIPMENT EXPENSE

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CONTACT US

Let's Get Started!

Are you ready to grow your business?
Get started today!
APPLY NOW

Connect With Us

Headquarters
Hampton Ridge Financial
1650 W College Dr #104
Marshall, MN 56258

Branch Office
108 W Church St
Belle Plaine, MN 56011

info@hamptonridgefinancial.com
866.815.4448

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