Spray Foam Equipment and Materials Financing

SprayEZ makes financing easier than ever. Get flexible options for your rig packages, equipment and materials purchases through our trusted financing partners.

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Spray Foam Rigs & Equipment Financing

Get up to 100% financing through our lending partner that specializes in commercial equipment, foam and accessory loans. Applying for a loan takes just a few minutes to complete and the approval process usually takes less than one business day.

You will be notified of your loan application status and the amount you qualify for by our H.I.L. Financial representative.

  • Dedicated finance manager with personalized service
  • New business and startup financing options
  • Up to 100% financing upon approval
  • Financing available up to $1,000,000
  • Funding options for EIN/TIN applications
  • Business growth and structure consultation
  • Flexible rates and terms

You will need the following business information:

  • Loan amount desired
  • Business name (full legal name)
  • DBA (doing business as)
  • Business structure and ownership
  • Business contact information
Finance Rigs & Equipment

Spray Foam Rigs & Accessory Financing

Get the inventory, equipment, and supplies you need today while freeing up working capital and keeping your cash flow strong. Apply via BackdPayments in under two minutes with minimal details.

  • Businesses active one year or more: INSTANT APPROVAL!
  • Businesses active less than 1 year: Submit additional info for quick and easy manual approval.
  • Net 30 Terms with $0 fees
  • Terms up to 24 months
  • Buy now, pay later
  • No hard credit check
  • No down payment
  • Purchasing power up to $1.5M
Finance Foam & Accessories

FAQs

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Here are the key things you need to know about financing with SprayEZ:

  • Applications for financing up to $1,000,000.
  • Speedy approval or disapproval status.
  • Phone call and/or text confirmation of approval status.
  • Phone call notification in the event of disapproval and discussion on how to improve scores.
  • Single point of contact throughout the application process.
  • Flexible rate and terms.

All businesses that need funding to buy spray foam equipment are eligible to apply. The financial status and credit score of your business will be a significant factor in the amount, terms and source of the loan. Any business that is purchasing equipment or a product for a business purpose is eligible to apply.

Examples of eligible businesses include corporations, LLCs, nonprofits, partnerships or sole proprietors. You are considered a sole proprietor if you get paid via a 1099 or operate a business and report your income via a Schedule C or F on your 1040 tax return.

Business owners with at least 25% ownership will be subject to a personal credit review. When the transaction funds, it does not get recorded on your personal credit as a new trade line of debt. It only reports to your business credit, helping you build your business credit profile.

Factors that will be evaluated include:

  • Time in business (TIB) under current ownership.
  • Comparable business credit. This means the credit history of other business transactions comparable to the amount you are requesting.
  • Depth of credit on your personal credit report. This means a credit history with multiple transactions, such as a car loans or mortgage.

Your rate payment will vary and is dependent on the amount financed, credit history, circumstances and documents provided at the time of your application.

Your loan will be structured as an Equipment Finance Agreement (EFA) for titled assets such as trailers.

With an EFA, you own your equipment from the inception of the financing, and there is no end-of-transaction buyout.

Your financial underwriter (loan source) will be listed as a lienholder on the title of your trailer or will file a UCC (Uniform Commercial Code) based on the serial number(s) of your equipment for non-titled assets.

With an EFA, you can buy out the contract early, and the buyout is always less than the sum of remaining payment.

Yes! We have a lending partner that specializes in rig packages, equipment, foam & polyurea loans. The application takes just minutes and you’ll know how much you qualify for in hours.

Finance Rigs & Equipment >

Finance Foam & Accessories >

All spray foam rigs come with a 1-year limited warranty. For more details or assistance, contact us at: +1 (904) 832-2111

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Get a strong start in the spray foam business—or take your current business to the next level—with the tools, equipment, and training support of the professionals at SprayEZ.

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