⯆ Do you offer custom payment plans tailored to seasonal businesses or cash flow variations?

Yes, we are happy to develop customized financing solutions that fit the needs of your customers. Contact your sales rep  to discuss specific needs and for a custom quote.

⯆  What are the typical interest rates and terms for equipment financing?

Our interest rates are determined by a number of factors including customer creditworthiness, market conditions, and the type of financing and term. We are happy to provide a timely quote – simply contact your rep.

⯆  Are there any options for zero-down payments or deferred payment plans?

Yes, we offer flexible financing programs that include zero-down payments and deferred or skip payment plans. Specifics depend on the customer’s credit, the equipment and the financing type and loan. We can talk through options and customize a solution for the customer’s needs.

⯆  What criteria do end-user customers need to meet to qualify for financing?

Mitsubishi HC Capital America is proud to offer an industry-leading $1 million application-only process for qualified customers. To begin, simply fill out a one-page credit application (refer to the representative map to complete the credit application linked to your area).

If a full financial package is needed, we require the last two years of business audited statements or tax returns, year-to-day internally prepared statements (such as P&L and balance sheets) and the current debt schedule.

⯆  How quickly can financing applications be approved for customers?

Our goal is to review and provide a decision on application-only submissions within 4 hours and full financial review credit packages within 2 business days.

⯆  What kind of support or tools do you provide to help dealers present financing options to their customers?

We can provide a simple rate factor which allows dealers to quickly estimate payments for customers. We also are happy to provide custom quotes and talk through the financing process with interested customers.

⯆  Are your financing agreements easy to understand and customer-friendly?

Mitsubishi HC Capital America has decades of experience in the construction industry and our documents are simple and customer friendly. We pride ourselves on a seamless transaction for all parties involved.