Equipment Financing with Peace of Mind

We believe in helping business owners reach their goals by offering fast, flexible, and easy equipment financing with a variety of structures designed to suit the business owner’s needs.

With Aztec, not only do you get the peace of mind that comes with industry specific financing, you also receive support from a dedicated team, whose primary responsibility is helping you get the best financing possible.

Our Account Managers are specially trained in the carpet cleaning, restoration, surface preparation, and pressure washing industries. We add new industries periodically, making sure that we understand the nuances and unique challenges faced by each specialty contractor. Our attention to detail means that we are able to tailor our vehicle and equipment financing options to meet the needs of each business owner.

With Aztec Financial, you get financing that is built for you. We don’t ask everyone to fit into the same mold.

Assumable Contracts

Assumable ContractsEquipment not working out? Financing can be transferred to another applicant.

Normally, equipment finance companies and commercial lenders lock their customers into the contract, leaving them no way out, regardless of the circumstance. We offer multiple options for ending a loan, including contract assumptions. This means that, if the equipment no longer meets the needs of your business, an interested buyer can take over the contract and begin making payments*.

This is an excellent resale advantage!

We have many programs and financing terms to meet the needs of individual business owners. Contact your Account Manager at 800-644-9537 for additional information.

*Contracts originating after 6/1/2011. OAC.

Challenged Credit

Challenged CreditChallenged credit? New business? No Problem!

We know that life is full of surprises and situations that can negatively affect your credit. Traditional lending sources use this information to decline your application. We understand that no matter what your credit challenges are, you need to keep your business moving forward.

Our industry specific programs allow us to use an “outside the box” approval process to give you the best financing opportunities available. We look at your entire business portfolio to get you approved, often saying “Yes” when others say “No”.

Aztec Financial uses the following information to approve applicants with credit challenges:

  • Business Financials – Bank statements that show a steady history of income. This strengthens your overall profile.
  • Security Deposit – Putting money down as a security deposit helps reduce your risk profile. The deposit is held in your account and can be refunded at the end of the contract, or used to make your last few payments.
  • Cosigners – We are happy to work with qualified cosigners, giving you more flexibility and financial strength.
  • Collateral – By placing a vehicle or other asset as collateral on your contract, we are able to use this to secure your performance and offset credit challenges.

We work hard to approve EVERY application we receive. We are likely to approve YOUR application, even if you have had challenges in the past.

For more information, call 800-644-9537 or SEND US A MESSAGE


Avoid Traps
We have the well-being of your business in mind, which means there are certain things we won’t do. This includes adding “Gotchas” into the fine print.

  • We don’t do Blanket UCC Liens
    ‘Blanket’ liens are called such because they cover all of your assets. This can include business assets, personal assets, or both. What does this mean to you? Should anything go wrong or an accident happen, you could lose much more than your financed equipment!
  • Aztec maintains its liens only on the financed equipment and any agreed upon collateral. You know exactly what you have invested in your contract!
  • We don’t sneak in Contractual Changes
    Some lenders will include fine print that allows them to make changes during the contract if your credit profile changes, even if you’ve paid as agreed. This could result in a higher payment, additional fees or a request for payoff in full.
  • Aztec contracts are short and simple to understand, with no fine print clauses or addendums. Know what you are getting up front, without negative surprises.
  • Automatic Renewal
    Many commercial contracts automatically renew unless you give written notice of your intent to terminate the contract at the end of its term. This is called an auto-renewal clause, and it can keep you making payments long after the originally agreed upon contract term.
  • Aztec contracts have no automatic renewal. Instead, our contracts terminate at the agreed upon time and include equipment buy out options for as little as $1.

For more information, call 800-644-9537 or SEND US A MESSAGE

New Start-Up Businesses

Business StartupStarting a new business can be an intimidating and overwhelming process, whether you’re a seasoned professional or a brand new start-up.

Aztec Financial is here to help you by offering the best financing options for new businesses. Where many lenders would turn a new business away we work to find creative, flexible options so that funding your vehicle and equipment purchases can be one less thing for you to worry about.

We help new businesses by:

  • Freeing up cash flow – Cash flow is one of the most difficult things for a new business to manage, with insufficient cash flow listed as the #1 reason many new businesses fail.
    • Keep your cash, rather than spending everything you have on equipment purchases. By financing, your cash flow remains under your control so that you can compensate for any unexpected expenses or overhead costs.
    • Easily manage your cash flow by breaking the cost of equipment into smaller monthly payments.
  • Commercial Financing – Aztec Financial is a Business Finance company, which provides a variety of benefits for your business.
    • Business Financing, does not report on your personal credit. This keeps your personal credit available for personal purchases, such as a home or new car.
    • Business Financing protects your personal assets, so that you can run your business with less personal risk.
  • Direct lending – Aztec Financial is a direct lender. This means that we create financial agreements without the intervention of an intermediary. Consequently, we can tailor our financing programs to fit your needs. You can get into a contract that will leave you feeling comfortable and confident.
  • Building commercial credit – As your business grows you will want to show that you have a dependable, reliable and trustworthy business. Build a business credit history with Business Financing, increasing your reputation and giving you increased bargaining power in future equipment financing purchases.

Your business is just a unique as you are. You need a financing company who understands the aspects of your business and what you have to offer, while still being familiar with the industry. With all of these things in mind, we are the best partner you can find to help you build and develop your business from the ground up.

To find out more on how Aztec Financial can help you start or grow your cleaning and restoration company, call us at 800.644.9537 or SEND US A MESSAGE