01
EquifyReady to useSpencer Daigle
Direct customer application
Program hubEquify × QuickFi operating hub
Every Equify path.
One clear place.
Verified application links, current program rules, onboarding forms, and the operating context needed to route a deal correctly.
26custom
applications
applications
Application directory
Route the customer correctly
Choose the channel first. The application link preserves the correct credit line and sales attribution.
02
EquifyReady to useMarcos Castillo
Direct customer application
03
EquifyReady to useRobert Haynes
Direct customer application
04
EquifyReady to useJoe Burleson
Direct customer application
05
EquifyReady to useTodd Ewoldt
Direct customer application
06
EquifyReady to useJames Busso
Direct customer application
App-Only 2.0 · June 2026 revision
Program guide
The scorecard covers standard construction and vocational titled equipment. All grades require 3+ years in business and ACH payments.
Minimum request$25K
Requests below the threshold currently auto-decline.
Maximum advance$750K
Available at A+; lower caps apply by grade.
New-equipment term60–72
Maximum months depend on credit grade.
PaymentsACH
Required across every published tier.
| Grade | Max advance | FICO | PayNet | Comparable credit | Minimum rate | Down payment | Max term* | Homeowner |
|---|---|---|---|---|---|---|---|---|
| A+ | $750K | 700+ | 690+ | 50% | 7.99% | 0.0% | 72 mo. | No |
| A | $500K | 690+ | 680+ | 50% | 8.99% | 0.0% | 72 mo. | No |
| A- | $500K | 680+ | 670+ | 50% | 9.99% | 0.0% | 72 mo. | No |
| B+ | $500K | 670+ | 665+ | 50% | 10.00% | 2.5% | 66 mo. | Yes |
| B | $500K | 660+ | 655+ | 50% | 11.00% | 5.0% | 66 mo. | Yes |
| B- | $350K | 650+ | 645+ | 60% | 12.00% | 10.0% | 66 mo. | Yes |
| C+ | $350K | 645+ | 640+ | 60% | 15.00% | 15.0% | 60 mo. | Yes |
| C | $250K | 635+ | 630+ | 60% | 16.00% | 20.0% | 60 mo. | Yes |
| C- | $150K | 625+ | 620+ | 60% | 17.00% | 25.0% | 60 mo. | Yes |
* Maximum term shown is for new equipment. Published rates are minimums and do not replace underwriting or an approval decision.
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Credit-line map
Equify Auction - BN
Special pricing for Bar None Auction Exchange
Equify Construction
Standard construction line
Equify Construction - R
No auto-approval; manual Equify decision
Equify Construction - B
Higher rate structure to account for referral fee
Equify Vocational Trucks
Standard vocational titled-equipment line
Equify Vocational Trucks - R
No auto-approval; manual Equify decision
Equify Vocational Trucks - B
Higher rate structure to account for referral fee
02
Operating guardrails
- Applications can auto-decline below $25,000 or when published FICO and PayNet requirements are not met.
- Broker and third-party vendor deals require additional due diligence before funding.
- Scott Equipment is mapped to an R-line and does not auto-approve.
- Equipment make, model, and year matter because useful life constrains the approved term.
- Sole proprietors and corp-only structures are not currently within the stated Equify credit box.
03
Vocational titled equipment
The program defines vocational vehicles as equipment built for a particular industry or trade.
Partner onboarding
Start with the right intake
Use the formal information forms to standardize new dealer and auction relationships before creating custom application pathways.
Dealer onboarding form
Collect dealer identity, remittance instructions, banking information, and logo details.
Auction-house information form
Standardize new auction relationships before a custom application path is created.
Program stewardship
Keep the hub dependable
- 01Use the custom link assigned to the sales professional, dealer, or broker.
- 02Submit new partners through the appropriate onboarding form.
- 03Preserve both dealer and lender-sales-professional attribution.
- 04Escalate R-line and broker transactions for the required review.
- 05Update the scorecard when Equify publishes revised program terms.