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Rebuttals

Equipment

DON'T BUY EQUIPMENT

DONT BUY EQUIPMENT

Bob your a construction company.
Maybe your not buying equipment now but your a million dollar company.
You did over a million dollars in Sales last year. Of course you buy equipment.

Do you buy on a Schedule OR as it Breaks down?
What do you think your next Equipment Acquisition looks like?

NO CAPEX THIS YEAR

I understand—just to clarify, is there a specific reason for holding off on capital expenditures?

Many of our clients in similar situations still explore financing as a way to secure equipment without impacting their budget or cash flow.

If I could secure a low monthly payment with an extended 72-month term, would it be worth at least exploring some options so you’re prepared?

If you were to consider acquiring equipment in Q1, what would that look like for you?

Finance

WE DON.T FINANCE

I hear you, but I did notice some prior financing activity under your company. That’s why I wanted to reach out—I work with businesses like yours to structure financing in a way that makes sense for their cash flow and growth plans.

If the right terms were available, (low monthly payment, low Interest Rate) would it be worth at least reviewing some options? Worst case, you have something in place if an opportunity comes up.

Are you guys looking to acquire any equipment in Q1?

What does your next CapEx Acquisition look like?

WE USE BANKS

REPLACE YOUR BANK

Im not trying to replace your bank.
They have your checking Account.
Your Savings Account.
An exisiting relationship.
You probably have a money market account.
But sometimes it makes sense to get a second offer.

Closing Statement
Would you be open to us quoting your next capex if I could get you a lower rate.

CREDIT BASED PRODUCT

We have some of the lowest rates in the industry.
Its a credit based product!
How is your credit?
Where are you at with your Bank?
Most of the time we can save you .50 - .75 basis point below your bank.

Closing Statement
Would you be open to us quoting your next capex if I could get you a lower rate.

BUY RATES & SWAP RATES

I can streamline any financing your doing outside of your Bank rates.
We do a high Volume of Tranactions.
Hundreds of millions of dollars each year.
We have access to highly competitive buy rates, and I can offer you a lower rate than most traditional lenders.
And, for larger dollar amounts, we can leverage swap rates to secure terms that are often better than most banks.

Closing Statement
If your putting money down I can get you a lower rate?
What do you think your next Equipment Acquisition looks like?

WHAT ARE YOUR RATES

CREDIT BASED PRODUCT

We have some of the lowest rates in the industry.
Its a credit based product!
How is your credit?
Where are you at with your Bank?
Most of the time we can save you .50 - .75 basis point below your bank.

Closing Statement
Are you talking to a Dealer right now

BUY RATES & SWAP RATES

I can streamline any financing your doing outside of your Bank rates.
We do a high Volume of Tranactions.
Hundreds of millions of dollars each year.
We have access to highly competitive buy rates, and I can offer you a lower rate than most traditional lenders.
And, for larger dollar amounts, we can leverage swap rates to secure terms that are often better than most banks.

Closing Statement
If your putting money down I can get you a lower rate?
Are you talking to a Dealer right now?

DEALER SPECIAL RATES

Manufacturers put out some great promo rates.
And I dont want to take you away from that. But sometimes, those often come with strings attached, like higher equipment pricing, shorter terms, or limited options.

In many cases, we can structure something with better flexibility—longer terms, lower payments, or even 100% financing.

If I could run some numbers and show you a side-by-side comparison, would it be worth taking a quick look? Worst case, you have more options on the table.

Also, do you guys buy used equipment? What do you do when something breaks down? I might be able to help in those situations too.

Are you looking at some equipment right now?
What does your next CapEx Acquisition look like?

Make Sure

TODAY APP & QUOTE

CUSTOMER HAS QUOTE
Great! Hold On. Dont Move Forward on this deal. I can probably save you thousands of dollars on this deal.

Do you have Sellers Quote:
What type of equipment are you looking to acquire?
What is the purchase amount?

Thats alot of money
What kind of rate did they give you?
What is the term?
Did you put a down Payment?
What is the exact monthly payment?

BUILD VALUE - SAVINGS
Its risk free lets compare apples to apples
If I can save you 1 point that $ ________________
Is 5 minutes of your time worth $________________

What is your email?
Give me 5 minutes and fill out this credit App.
Send me the Quote and I will get you some numbers in a couple of hours.
Do the APP --I have 90 percent of the info is the business address)

KEEP PRESSING
Are you happy with the monthly payment?
If I can Save you $200 per month thats $12,000 Savings
Is $12,000 worth literally 2 minutes of your time?
Just answer a couple of questions
(do the APP - How long have you been in business)

Great good job!
Give me a 2 hours and I will get you some numbers?
Are you in front of your computer?
Can you send the Sellers Quote?

PRE-APPROVED $500K

I am going to send you our Credit App.

Go ahead fill it out and send it back, and I’ll streamline the financing and get you pre-approved for up to $500K.

The sooner I receive it, the faster I can take it to our Senior Management Team to secure the most competitive terms for you. This way, you’ll have financing in place and be ready to move when we get the Quote. Let’s get this wrapped up!
Is This a Real Deal
Do you have the seller’s quote?
What is the loan amount?
Is the equipment New or Used?
What is the year and model?
What is your Delivery Date?
What type of term do you want?
Are you making a down payment? How much?

DEALER -
Have you spoken to the dealer on this _________(equipment)

FINANCING
Who handles the financing decisions for the company?
Have you already been pre-approved or quoted by another lender? What kind of rates are you getting?
Do you want bundling options, such as warranties, maintenance plans, or accessories?

COMPANY INFO.
Do you know Your Paynet Score?
Personal credit score?
Gross Annual Sales last year?
How long have you been in business?

Financial Package

$1M+ Anything over 1M you need 3 years of financial statements
$500K Anything under 1M you need 2 years of financials statements

A)2022, 2023, 2024 Financials (Audit or Review Preferrably) If compiled through QB, please send 2020, 2021, 2022 Tax Returns

B) 2024 Interims (Income Statement + Balance Sheet)
C) Debt Schedule
D) Application
E) Equipment Quote

GO TO STATEMENT

We are large financial Group.

We Finance Construction Equipment thats all we do.
We do hundred of millions of dollars in financing each year.
Our underwriters go to all the Trades Shows. We know all the manufacturers We can structure the deal to make it a perfect fit for you.
We have a App only program up to $500K
And we can go up to $5m on a single piece of equipment.

Do you have any bids or contracts where you will need to replace, upgrade, or Add New or Used equipment?

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