What is required, and how do I get started?

  • We provide financing for equipment purchases of $3,000 or more.
 
  • Any business/organization can qualify, including Start-ups
 
  • Positive credit history with a 600+ credit score can qualify

The process is simple!

01.

Applying only takes a few minutes. We will contact you with your approved payment options and you choose the option that best suits your monthly budget.

02.

We will prepare your final documents with the payment that fits your budget and the equipment you need to grow your business.

03.

Your equipment is ordered and you will receive your equipment. It’s that easy!

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Revenue Generating
Using our financing, you can generate revenue on your equipment while making small, manageable monthly payments.
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100% Tax Deductible
Lease payments may be fully tax-deductible as an operating expense. Consult your tax advisor today!
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Save your credit lines
Financing with HRF allows you to keep your existing lines of credit open and still acquire the equipment you need.
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Fast Approval Process
Fill out our one page application online anytime. Pick the term that best suits your business. All types of credit and start-up businesses qualify, too!
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Low Upfront Costs
Typical HRF lease programs only require two advance payments (or less) along with the documentation fee.
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Always have the newest equipment
Impress your customers by always having the newest and most efficient technology. Keeping your equipment up-to-date will give you an edge on your competition!
FAQ Section
Can I own the equipment if I lease?
Yes, many HRF leasing options allow your business to own the equipment after your last payment is made. End of lease options include $1 buyout, Term Residual Lease, 10-15% buyout, or Fair Market Value leases.
Does my start-up business qualify?
Yes! We provide financing for start-up businesses. Let us help you grow your business for years to come.
What kind of equipment can I lease?
If you need it for your business, there is a good chance we have leased it. Almost any type of business equipment qualifies, even used equipment.
Is there a prepayment penalty?
With a lease, there is no prepayment penalty if you choose to pay off your contract early. If your goal is to pay the contract off early, we recommend choosing the shortest term that your budget can handle. This will provide you with the lowest out of pocket cost to fulfill your contract. Your early payoff amount is simply the remaining payments left in the contract, minus any discounts.
Does leasing equipment improve my cash flow?
Yes! Instead of expending your cash reserves, you can generate revenue while making low monthly payments. This keeps your cash reserves available for other expenses.
What if I have a low credit score or past bankruptcy?
We believe in second chances. Even if you have a previous bankruptcy and have re-established your credit, or simply went through a rough patch and missed a few payments, we can still get you approved.

Terms & Conditions

Any applications submitted electronically shall have the same force and effect as if the application bore an inked original signature(s). The above information, together with any accompanying financial statements, schedules, or other materials, is submitted for the purpose of obtaining credit and is warranted to be true, correct, and complete.

Communication Consent:
By checking this box, you agree to receive SMS text messages from Hampton Ridge Financial. Reply STOP to opt out at any time. Reply HELP for Customer Care Contact Information. Messages and data rates may apply. Messages and data rates may apply. Message frequency will vary.

For Loan/Merchant Services:
The Merchant and Owner(s)/Officer(s) identified in the application (individually, an “Applicant”) each represents, acknowledges and agrees that (1) all information and documents provided to Hampton Ridge Financial, LLC. (“HRF”) including credit card processor statements are true, accurate and complete, (2) Applicant will immediately notify HRF of any change in such information or financial condition, (3) Applicant authorizes HRF to disclose all information and documents that HRF may obtain including credit reports to other persons or entities (collectively, “Assignees”) that may be involved with or acquire commercial loans having daily repayment features and/or Merchant Cash Advance transactions, including without limitation the application therefor (collectively, “Transactions”) and each Assignee is authorized to use such information and documents, and share such information and documents with other Assignees, in connection with potential Transactions, (4) each Assignee will rely upon the accuracy and completeness of such information and documents, (5) HRF, Assignees, and each of their representatives, successors, assigns and designees (collectively, “Recipients”) are authorized to request and receive any investigative reports, credit reports, statements from creditors or financial institutions, verification of information, or any other information that a Recipient deems necessary, (6) Applicant waives and releases any claims against Recipients and any information-providers arising from any act or omission relating to the requesting, receiving or release of information, and (7) each Owner/Officer represents that he or she is authorized to sign this form on behalf of Merchant.(8) I consent to receive direct mail, faxes, and e-mails sent by Hampton Ridge Financial, LLC and its affiliates for the purposes of transmitting account updates, requests for information and notices, and (9) this request is for business and not for consumer purposes.

For Equipment Services:
I hereby certify: (1) the information provided is true and correct, (2) you are hereby authorized to investigate all bank, credit, and trade references, and said references are hereby authorized to release any requested information to you or your nominee, (3) such authorization shall extend to obtaining personal credit profile in considering this application and subsequently for the purposes of update, renewal or extension of such credit or additional credit and for reviewing or collecting the resulting account, (4) this information may be transmitted by us to you and by you to underwriter(s) for the purpose of granting me credit, either electronically or manually, and that by submitting this application, I take full responsibility for transmission thereof, (5) I am over 18 years of age, (6) I acknowledge my rights under the Fair Credit Reporting Act, (7) I consent to receive direct mail, faxes, and e-mails sent by Hampton Ridge Financial, LLC and its affiliates for the purposes of transmitting account updates, requests for information and notices, and (8) this request is for business and not for consumer purposes.

The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status or age (provided the applicant has the capacity to enter into the binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. If for any reason your application for business credit is denied, you have the right to a written statement of the specific reasons for the denial. To obtain the statement, please write to Hampton Ridge Financial, LLC, 1650 W College Dr, Marshall, MN 56258. Funding amount and credit approval is subject to a full credit profile review.