General FAQs
Equipment financing lets businesses acquire equipment through affordable monthly payments instead of paying the full cost up front. It helps preserve cash flow and enables immediate access to essential equipment.
Financing typically leads to ownership at the end of the term. Leasing allows use of equipment for a set time, with options to buy, return, or upgrade. Financing suits long-term needs; leasing is ideal for short-term use or fast-depreciating assets.
Most businesses, including startups and sole proprietors, may qualify. Approval is based on credit, revenue, time in business, and equipment type.
We finance a broad range of IT, furniture, medical, construction, vehicles, security systems, and more. If it supports your business, we will likely finance it.
Yes. Used equipment must meet certain conditions and valuation standards.
Yes. We work with equipment from reputable dealers, vendors, or manufacturers.
We support businesses across healthcare, tech, construction, manufacturing, retail, and more.
Yes. We offer programs tailored for startups and newer businesses, with flexible terms based on your credit and financials.
Often no. Depending on your needs, a small upfront payment may help secure more favorable terms.
Yes. Early payoff is always allowed. Depending on your agreement, you may receive a discount or incur minimal fees.
Buyer & Customer FAQs
Use our secure online application or apply through your vendor. It takes just minutes.
Typically, just a completed application and basic business details. Larger transactions may require financials or tax returns.
Most decisions are made within hours. Larger deals may take 1-2 business days. Funding can occur the same day.
We consider a wide range of credit profiles. A 600+ score is typically sufficient. We also review your business history and revenue.
Pre-approvals use soft pulls (no impact). A hard pull may be required to finalize financing.
From $5,000 up to $5+ million, depending on your business and needs.
We offer competitive fixed rates and flexible terms from 12-60 months, based on credit and equipment type.
You’ll receive digital documents for e-signature. Once signed, we release funds-often the same day.
Most customers use automatic monthly withdrawals. You can manage payments via our Customer Portal.
Yes. Use the secure Customer Portal to view invoices, payment history, and account details.
Yes. We can bundle multiple pieces of equipment and include related costs like training and delivery.
Yes. We provide flexible payment structures to match your cash flow.
Yes. We finance software, shipping, installation, and other soft costs.
Dealer & Originator FAQs
Enroll in our vendor partner program to access tools, submit applications, and track deals.
Offering financing helps close more sales, increase ticket size, and overcome budget objections. We provide fast funding and full support.
Contact us. We’ll assign a specialist to assist with onboarding.
No, it’s free to become a vendor partner.
Monthly payments reduce sticker shock and help customers say yes-especially for larger purchases.
Most happen within hours, sometimes minutes.
Yes. You can customize portals and documents with your branding.
Yes. Use our Vendor Portal for 24/7 access to applications, documents, and status updates.
Via the Vendor Portal or through your assigned specialist.
You’ll have a dedicated Finance Specialist, marketing resources, and direct access to underwriting for escalations.
TurboTools By Navitas™ FAQs
TurboTools by Navitas™, is your 24/7 lead-generation platform offering real-time quotes, branded applications, and embedded finance tools.
It turns website visitors into buyers with instant quotes and pre-qualification forms.
Yes. You can embed calculators and applications branded to your business.
Yes. All tools and customer communications can carry your brand.
Contact a Navitas specialist or submit a request through our website.
Technical & Operational FAQs
Log in securely to our Vendor Portal. New users receive credentials upon setup. For the Customer Portal.
Click “Forgot Password” or contact support for assistance.
Yes. We use encrypted, secure platforms for all transactions and signatures.
Yes. Our entire process-from application to funding-is paperless.
Upload directly through our encrypted Customer Portal or Vendor Portal.
Use the Vendor Portal or contact your assigned specialist.
If funds haven’t been disbursed, the deal can be canceled. If funds were sent, they must be returned to close the transaction.
Post-Funding & Support FAQs
- Phone: 888-978-6353 (Ext. 2)
- Email: [email protected]
You can also message us through your portal.
Balance = remaining payments × monthly amount.
Example: 29 × $100 = $2,900.
Usually, due to sales tax being financed. Tax is not broken out on invoices.
If no sufficient certificate is received within two billing cycles, Assurant provides insurance and bills you directly.
- [email protected]
- 888-521-2787
We offer a three day grace period. Late fees apply if payment is received after the due date.
We don’t provide traditional amortization schedules. We can share original equipment cost, terms, and payment info.
Navitas owns the equipment during the lease term and must report and collect property tax where applicable.
Send your sales tax exemption certificate. Approved exemptions apply going forward.
No, but you can request a payoff to close it early.
You may own, buy, or return the equipment depending on your agreement. For FMV leases, choose to:
- Buy the equipment
- Return it
- Continue month-to-month
Let us know to avoid continued billing.
No. They are rental payments.
No, but we may approve a contract assumption with a new credit application.
It includes remaining payments, fees, and your purchase option-not just equipment value.
Log in to our Customer Portal or contact customer service.
Request through the Customer Portal or by contacting customer service.
You may own, buy, or return the equipment depending on your agreement.
Contact us immediately. We’ll help resolve the issue.
Yes. We offer refinancing and expansion options.
- Wire transfer: Up to 15 business days
- Check/ACH/EFT: Up to 30 days
Yes. Email [email protected].
- ELT states: Visit your DMV
- Paper title: Email us. A fee applies.
Legal & Compliance FAQs
We use a soft pull for pre-approval. A hard pull may follow for final approval.
Yes. We use encrypted servers and follow strict privacy protocols.
Yes. It’s available Here and on our website and outlines how we handle your data.
No, there are no hidden fees. All rates and costs are disclosed upfront.
You’ll receive a copy during the application process, and it’s stored in your portal.
Most financing agreements require customers to provide proof of insurance covering the financed equipment. This ensures the asset is protected against loss or damage. You’ll be asked to submit a certificate of insurance before funding is finished. If you do not provide proof of insurance, your equipment will be protected through a policy with Assurant.
Franchise Financing FAQs
We provide conventional (non-SBA) financing for franchisees looking to build new units or acquire existing stores. Our programs are designed primarily to support existing franchisees looking to expand within their current system or diversify with other established brands.
Our conventional loans offer faster underwriting times, competitive fixed rates, and no requirements for personal collateral. This allows franchisees to move quickly on new opportunities without the lengthy approval process or personal asset pledges often required by SBA programs.
We partner with dozens of national and regional brands across the QSR, fast-casual, beverage, and fitness sectors. We work closely with both franchisees and franchisors from many established concepts and are always looking to add new brands to our approved concept list.
Most deals are pre-qualified within a few business days. Once full financials are received, credit review and approval typically take 1-2 weeks, depending on the complexity of the transaction.
Yes – we regularly establish lender programs with franchisors. These programs allow us to offer consistent terms, streamlined approvals, and dedicated relationship management for your brand’s franchisees.
We typically finance transactions ranging from $250,000 to $5 million per borrower, depending on the project scope and financial strength of the franchisee. Whether you’re building your first location or expanding a multi-unit portfolio, our team tailors each loan to meet your growth goals.