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Many vendors hesitate to bring up financing because they worry the conversation will turn into a rate discussion. Rates feel sensitive. They change. And once a number is mentioned too early, it can anchor expectations in a way that makes the deal harder to close. The good news is that vendors do not need to talk about rates to set strong financing expectations. In fact, focusing on the right points early often leads to smoother approvals and more confident customers. Wh

Vendors offering financing to customers often face a choice they don’t always realize they’re making. Do you send deals to a large, technology-driven equipment lender built for speed and automation? Or do you work with a smaller, relationship-based lender that takes a more hands-on approach? I think the best option is both. But choosing the wrong one for a specific transaction can slow approvals, weaken terms, or cause deals to fall apart entirely. Understandin

Most vendors don’t lose deals because of price, product quality, or even competition. They lose deals because the financing experience breaks down. When financing isn’t handled correctly, it creates friction at the exact moment a customer should be moving forward. Delays, confusion, and misalignment between the vendor, lender, and customer can quietly derail a deal that otherwise should have closed. Let’s walk through the most common reasons vendors lose deals when financi

When vendors think about offering financing, the goal is simple. Help customers move forward and close more deals. But in practice, financing can become a friction point. Applications stall. Credit questions go unanswered. Approvals come back weaker than expected or not at all. That’s where the right financing partner makes a measurable difference. At Brilliance Funding Partners, our role is not just to submit applications. It is to help deals get done , both toda

Logging, timber harvesting, and land management depend on equipment that is not only capable, but durable enough to take a beating. Skidders, feller bunchers, chippers, loaders, forwarders, and harvesters are the backbone of the operation. When a major component fails or a contract requires added capacity, you need financing options that work as hard as you do. This guide breaks down what lenders look for when approving forestry equipment financing and how to prepare your

In New England, you don’t need a dramatic storm to lose power. A heavy wind gust, an ice-loaded line, or a transformer that’s older than your pickup can shut your business down in seconds. And when your operations depend on equipment, production schedules, or service calls, downtime is expensive. That’s why more businesses are adding commercial generators before the next outage hits — and financing them to protect cash flow along the way. Here’s what you should know bef

If you live and work in New England, you know the rule: Winter doesn’t care about your schedule. Storms roll in early, late, or back-to-back. And the businesses that stay ahead of it all aren’t the ones crossing their fingers, they’re the ones keeping their equipment modern, reliable, and ready to move when the forecast turns ugly. Whether you handle commercial lots, municipalities, or subcontracted plow routes, the right financing strategy can be the difference between

Living and working in Maine changes the way you see business. Here, small businesses are not just economic drivers. They are family legacies, community staples, and the people who keep the state running during long winters, short seasons, and everything in between. When I started Brilliance Funding Partners, my goal was simple. I wanted to help business owners across the country access the tools and equipment they need to grow. But the longer I have been in this field, the

Upgrading or adding a CNC machine isn’t like buying a pickup truck. These high-precision systems can cost six figures or more and often involve months of coordination between manufacturers, vendors, and installers. To finance them effectively you need a strategy that accounts for the full acquisition lifecycle, not just the purchase price. 1. Navigating Foreign Vendors and Distributors Many U.S. manufacturers source CNC machinery from overseas brands known for reliability

Recycling businesses face a unique and unavoidable challenge: your equipment isn't optional—it is your revenue engine . It’s what keeps materials moving, waste minimized, and contracts profitably fulfilled. Whether you’re processing scrap metal, plastics, paper, or C&D waste, staying competitive and profitable demands you upgrade compactors, balers, shredders, or conveyors before  they wear out and cause costly downtime. That’s precisely why equipment financing  is no long

When you apply for equipment financing, you’re not just being judged on your credit score. Lenders look at a full financial picture, one that includes your business performance, the asset you’re buying, and even your industry’s risk profile. Understanding what underwriting actually looks for can help you prepare stronger applications, avoid unnecessary declines, and negotiate better terms. 1. Personal Credit: The Foundation of Small Business Lending Even though equipmen

For many business owners, especially in the trades and manufacturing sectors, bringing on outside investors can mean giving up control over how the business runs. Equipment financing offers a way to scale operations, upgrade technology, and increase production without diluting ownership or handing over decision-making power. Let’s explore how equipment financing can help your business grow without taking on investors. 1. Expansion Without Equity Dilution Investors bring

When most business owners think about equipment financing , they focus on the immediate benefit — getting the machinery, vehicles, or tools they need without a massive cash outlay. But there’s another angle that often gets overlooked: how equipment financing impacts your business credit profile . Your business credit isn’t just a number; it’s your reputation with lenders. And the way you handle an equipment loan or lease can directly affect how future lenders view your

If you’ve ever asked yourself, “Do I need a down payment to finance equipment?” —you’re not alone. It’s one of the first questions business owners bring up when looking at financing options. The short answer? It depends on the type of equipment, your business credit profile, and how the lender structures the deal.   Let’s unpack when down payments are required, why they matter, and how much you can expect to put down. When a Down Payment Is Required Most equipment le

When the federal government shuts down, many small business owners understandably panic—especially those pursuing SBA-backed financing. The truth is: yes, SBA loan processing is impacted during a shutdown, but there are steps you can take now to mitigate delays and keep your funding strategy moving forward. How SBA Lending Is Affected in a Government Shutdown 1. New SBA 7(a) & 504 Applications Are Paused During a shutdown, the Small Business Administration temporarily susp

When most business owners think about financing, they focus on rates, terms, and how quickly they can get approved. But those factors are...