The problem with traditional banks is that when a heavy equipment business owner approaches them for financing, if they don't fit perfectly inside of a one-size-fits-all box, then it is very likely that they will be denied. If fact, most of these businesses are denied by traditional banks for poor credit, lack of time in business, lack of cash flow and most banks just don't lend on equipment. This practice leaves a large number of heavy equipment business owners that are perfectly viable, but can't get the financing they need to purchase or upgrade their equipment. Exponential Commercial Finance is dedicated to the non-traditional way of using heavy equipment business owner's existing free and clear equipment as collateral to secure the financing. We don't care about credit score or time in business. If you have heavy equipment as collateral to back the finance amount then we can do it.