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Credit Application

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Carried over from your quote, so you will not be asked again: .
Financing type
Section 1
What are you looking to do?

Choose the option that fits. The rest of the application adjusts to it, so you only see the questions that apply.
  • Soft credit inquiry only — applying does not affect your credit score
  • Expect to hear back within 1–2 business hours
  • Mon–Fri, 7:00 AM – 5:00 PM MST

Equipment Finance ($1 buyout)

Every payment goes toward owning the machine. At the end of the term you pay one dollar and it is yours outright. Payments run higher than a lease, but nothing is left to negotiate at the end.

Makes most sense for equipment you will run for its full working life and that holds its value: medical and dental imaging, CBCT and operatory build-outs, excavators, dozers and skid steers, trucks and trailers, CNC machines and press brakes, commercial kitchen lines, tractors and harvesters.

Equipment Lease (FMV)

You pay for the use of the equipment, not the whole machine, so the payment is lower. At the end you hand it back, renew, or buy it for what it is worth then. The choice is yours, and none of it is forced.

Makes most sense for equipment a newer model meaningfully improves on, or when the lowest monthly payment matters more than owning it at the end: IT and server hardware, point-of-sale and kiosk systems, copiers and production printing, phone and network systems.

Equipment Leaseback

You already own the equipment. We purchase it from you and lease it back, which puts cash in your account while you keep using it every day. At the end of the term the equipment returns to you.

Makes most sense for businesses with paid-off or mostly paid-off equipment that need working capital without taking on a traditional loan: trucks and trailers, construction and ag equipment, manufacturing lines, medical and dental equipment.

Still unsure? Pick the closest fit and note your situation in the comments at the end. We will confirm the right structure with you when we call, and it does not hold up your application.

Want a payment estimate first?The Quote Builder gives you a rate and payment range in about two minutes, then carries your answers straight into this application.
Open the Quote Builder →
Section 2
What industry is the business in?

Different industries run through different programs. This trims the questions that do not apply to you and tells us which programs to line up.
Section 3
About the request

Four quick answers. Together with your credit range, these decide what, if anything, we will need from you in the way of financials.
Equipment price before any down payment. We finance from $5,000 to $50 million.
A comparable obligation paid as agreed is one of the strongest things a file can show.
Corporate-only financingBased on your revenue, time in business, and borrowing history, you may qualify to finance in the business name alone, with no personal guarantee.

Corporate-only financing is underwritten on the business itself, with no personal guarantee from the owners. For qualified borrowers with previous business borrowing history at similar dollar amounts, the business’s own credit and financials may be enough to qualify. Because there is no personal guarantor, underwriting relies more heavily on business financials, and we confirm eligibility when we review your file. If corporate only is not approved, we will let you know and can proceed with a personal guarantee instead.

Tick this to continue.

A startup file is underwritten on these documents, so tell us where yours stand.

Tick one of these to continue.

Section 4
Business information
Section 5
Ownership

Tell us about the owner(s) or personal guarantor(s). Ownership percentages must add up to 100%. If one owner holds less than 100%, add the other owners below (up to three total).
Your best estimate is fine. We review credit with a soft inquiry, which does not affect your score.
An approval at this credit tier needs at least two of these. Check everything that applies.

At this amount, full financials are required in addition to one other item above.

Email these to support@fivewestfinancial.com

Use the subject line Financials for your legal business name.

  • 2 years of business tax returns (if applicable)
  • 2 years of personal tax returns
  • 3 months of business bank statements
  • Last month’s business savings account statement (if applicable)
Co-signer details

    Email them to support@fivewestfinancial.com with the subject line Financials for your legal business name. Sending them during or right after this application gives you the highest odds of approval and the best terms we can put together.

    Corporate only: owners and authorized signerNo personal guarantee, so we do not need personal credit, Social Security numbers, or home addresses. We do need to know how many owners there are and who signs for the business.
    Total ownership 0% Enter each owner's percentage.
    Owner / Guarantor 1
    %
    Owner / Guarantor 2
    %
    Owner / Guarantor 3
    %
    Section 6
    Equipment

    Tell us what you are financing. If you have not chosen a specific unit yet, give us the vendor you are working with and your best description of the equipment.
    Leaseback detailsSince you already own this equipment, we need its purchase history and how it is titled.
    Titled vehicle details
    Please email a copy of the title and photos of the equipment to support@fivewestfinancial.com.

    A clear photo or scan of the front and back of the title is fine. For the equipment, a few phone photos are plenty: the front, each side, the VIN plate, and the odometer if it has one. Sending them now, during or right after this application, keeps your file moving and avoids a follow-up request later.

    Tick one of these to continue.

    Section 7
    Terms
    Percentage of the equipment price you plan to put down.
    Your best guess is fine and can change later. It helps us structure the lease and the end-of-term options up front.
    Section 8
    Additional information

    Optional but highly recommended. Include anything you want us to know that the fields above did not cover including context on the business, the deal, a past credit event, timing, or anything else that helps us position your file.
    Section 9
    Authorization & signature
    By signing below, the undersigned individual(s), who is either a principal of the credit applicant or a personal guarantor of its obligations, provides written instruction and authority to Five West Financial or its Designee as well as and in addition to any assignee or potential assignee thereof authorizing review of his/her personal credit profile from a national credit bureau. Such authorization shall extend to obtaining a credit profile in considering this application and subsequently for the purpose of update, renewal or extension of such credit or additional credit and for reviewing or collecting the resulting account. A photo static or facsimile copy of this authorization shall be valid as the original.
    Admin mode · validation off · not emailed

    Submitting this application is free and does not obligate you to accept any offer.Prefer paper? Download the PDF application and email it to support@fivewestfinancial.com.Use the subject line “New Application - Your Business Name”.

    Your application has been submitted.

    Thank you — we've received your application and we will be in touch soon, usually within 1–2 business hours (Mon–Fri, 7:00 AM – 5:00 PM MST).

    Your application number FW-XXXX-XXXX Keep it. It is in the subject line of the email you just received and at the top of the PDF copy. Use it with your legal business name in the Approval Builder to check your status and, once you are approved, to open your offers and request documents.
    Admin mode. This test run was not emailed to support and nothing was sent anywhere.

    What to send us

    Email everything to support@fivewestfinancial.com with the subject line Financials for your legal business name. Sending it now keeps your file at the front of the line.

    Application process overview

    1
    Application review
    We review both personal and business credit via soft inquiry and reach out if anything else is needed.
    2
    Approval options
    We secure approval options for you to compare.
    3
    Documents & deposit funding
    Documents are sent out for signature. We release deposit funding to the vendor if required for equipment once documents are signed.
    4
    Delivery confirmation & final funding
    Final funding is released after delivery confirmation and verbal authorization from the signor.

    Most common reasons applications get delayed

    • Missing information. A field left blank, a document we asked for that has not arrived, or a number that does not match what is on file. Everything you send us up front saves a round trip.
    • Frozen credit. A freeze or lock at Experian or Equifax stops the soft inquiry cold. If you have one in place, lift it now so the review can start.
    • Inactive business entity or past-due annual filing fees. Every program checks the Secretary of State record. If the business shows as inactive, delinquent, or not in good standing, bring the filing current before we submit.

    Frequently asked questions

    How soon will I hear back?
    Within 1 to 2 business hours, Mon–Fri, 7:00 AM – 5:00 PM MST. If you have not heard from us by then, email support@fivewestfinancial.com and we will pick it up right away.
    Is this a soft pull or a hard pull?
    A soft pull. Reviewing your credit for this application does not affect your credit score.
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