Programs & Finance Solutions

Equipment Business Financing Solutions

All We Need To Get A Decision For You in Minutes Is An Application

At BS&S, we offer Asset-Backed Equipment Acquisition Funding options, backed by heavy equipment or titled vehicles at a 2:1 total collateral to funding ratio with transactions ranging from $20,000 to $150,000.

Limited Financial & Full Financial Funding Options

Other than the offers stated above, BS&S provides collateral-based debt financing to businesses with a ?common sense? economic approach. In spite of the difference between each transaction, these deals require two-to-one collateral coverage on the requested funding amount; which can be secured by equipment, real property, real estate, or any other assets with a well-defined secondary market value. The range are extensive for each transaction; $20,000 to $250,000 for Limited Financial Transactions and $250,000 to $2,500,000 for Full Financial transactions.

Transaction Types

  • Working Capital
  • Start-up Financing
  • Sale and Leaseback
  • Equipment Acquisitions
  • Debt Refinancing and Restructuring
  • Bridge Loan and Mezzanine Financing
Equipment Competency

Minimum Forced Liquidation Value (FLV) of $20,000 per asset
Equipment must have an active and verifiable secondary market
Information required to value equipment include:

  • Year
  • Make
  • Model
  • Condition
  • Mileage/Hours
  • VIN/Serial Number
  • Proof of Ownership

Real Estate Collateral

With the advantage of leading industry software along with our in-house real estate valuations team, BS&S ensures swift and precise analysis of real estate being pledged as additional collateral, to support funding requests.


  • Markets: All markets
  • Position: First, Second, and Third-Position Liens
  • Property Type: Residential, Commercial, & Land
  • Total Loan-to-Value (LTV): Up to 65%, including proposed debt

Real Estate Worksheet

Other assets will be reviewed and analyzed on an individual basis as needed. Assets which BS&S will consider to include are:

  • Cash Value of Life Insurance
  • Notes and Mortgages Receivable
  • Cars
  • Gold

What We Need To Get You Funded FAS
General Market Commercial Truck Equipment

  • Funding Request Application
  • Bill of Sale/Invoice or Quote on equipment
  • Bank Statement One (1) month
  • Copy of Driver License

Prime Commercial Truck Equipment

Premium Placement Commercial Truck Equipment

  • Funding Request Application
  • Bill of Sale /Invoice or Quote on equipment
  • Bank Statements; Three (3) months
  • Tax Returns Two (2) years and financial interim 2016
  • Copy of Driver License
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