Trucking LLC, 11 trucks · Orlando, FL · 10 months
Orlando Trucking Company Secured EIN-Only Equipment Financing
After 10 months of Tier 1-4 build, qualified for $180K equipment financing on a no-PG basis.
PAYDEX
N/A82
EIN-only financing
$0$180,000
Challenge
Owner's personal credit was strong (740) but he wanted future expansion to be PG-free to protect personal assets.
Approach
- 01Completed Tier 1-3 stack over 7 months.
- 02Added two reporting fuel cards and one vehicle-finance tradeline.
- 03Built D&B financial stress and PAYDEX to 80+/low risk.
- 04Applied to a commercial equipment lender with EIN-only underwriting program.
Outcome
Approved for $180,000 in equipment financing with no personal guarantee. Owner expanded fleet by 3 trucks.
FAQs
Can businesses really get EIN-only financing?
Yes — but it requires 24+ months in business, strong revenue, established business credit, and typically equipment/asset collateral.
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