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!
REQUIREMENTS
2+ YEARS IN EXISTENCE
ANY BUSINESS TYPE
PERSONAL GUARANTOR REQUIRED
– Online Application
– Quote or list of equipment to be purchased
– Online Application
– Last (3) months bank statements
– Quote or list of equipment to be purchased
– 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
– Online Application
– Quote or list of equipment to be purchased
– Online Application
– Last (3) months bank statements
– Quote or list of equipment to be purchased
– Online Application
– Last (3) months bank statements
– Last (2) years Financial Statements
– Current Interim Statement
– Quote or list of equipment to be purchased
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.
REQUIREMENTS
0-2 YEARS IN EXISTENCE
ALL BUSINESS TYPES
PERSONAL GUARANTOR REQUIRED
– 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
REQUIREMENTS
0+ YEARS IN EXISTENCE
ALL BUSINESS TYPES
PERSONAL GUARANTOR REQUIRED
NO CURRENTLY PAST DUE ACCOUNTS
– Online Application
– Quote or list of equipment to be purchased
– Bank Statements may be required