ADI Business Services LLC / Arizona + Southwest

From equipment selection to a lender decision.

ADI helps construction contractors and equipment dealers prepare a financing file for lender review. ADI submits the file; the lender makes the credit decision.

Broker vs. direct lender

Planning tool

Estimate an equipment payment.

Construction contractors and equipment buyers can explore an estimated monthly payment for a purchase.

Enter a positive amount.

Enter 0 or a positive rate.

Enter a positive whole number of months.

Enter an amount, rate, and term to see an estimate.

Assumes a fixed annual interest rate divided into monthly periods and equal monthly payments over the selected term. This estimate excludes taxes, fees, insurance, down payment, and any residual or balloon payment. Results are illustrative only, not a lender offer or approval; lenders decide whether to approve financing and set actual terms.

The sequence

A file prepared for lender review.

  1. Choose the equipment and establish purchase details

    The buyer selects the construction or heavy equipment and works with the dealer to establish the transaction details.

  2. Assemble buyer and dealer materials

    The buyer and dealer gather the transaction materials. The selected lender may also request an application and supporting items for its review.

  3. ADI prepares and submits the file

    ADI Capital Equipment organizes the financing file and submits it to a lender partner for consideration.

  4. The lender underwrites and decides

    The lender—not ADI—underwrites the file, decides whether to approve, sets any terms, and funds an approved transaction.

Buyer + dealer materials

Examples of what a file may include.

Requirements vary by lender and transaction. These examples are illustrative, not exhaustive or universal, and the selected lender determines what is required.

Illustrative buyer materials

Buyer

  • Business identity and activity. Borrower business name, time in operation, and how the equipment will be used.
  • Equipment selection and quote or order. Selected equipment, configuration, and the dealer quote or order details.
  • Intended use and delivery. Where the equipment will work, where it will be delivered, and any delivery timing.
  • Price, down payment, and trade-in. Purchase price and any proposed down payment or trade-in details, if applicable.
  • Lender application and requested records. Complete the lender application and prepare business, owner, financial, tax, or ownership records only if requested.

Illustrative dealer materials

Dealer

  • Quote, sales order, or invoice. Show buyer and seller details, equipment, and transaction amounts.
  • Equipment description and identifiers. Make, model, year, serial number or VIN, hours, and condition, when available.
  • Seller and delivery details. Seller business and contact details, plus the planned delivery location and terms.
  • Title, ownership, or lien details. For used equipment, have these available if applicable or requested.
  • Trade-in, freight, or installation. Include applicable trade-in values, freight, setup, or installation charges.

Routes to consider

Broker vs. direct lender

Both routes can be reasonable starting points. The right choice depends on how you want to approach the financing inquiry.

Broker

Pros

A broker can coordinate an application and present options from its lender partners.

Considerations

You work through an intermediary. The lender—not ADI—still makes the credit decision, sets terms, and funds an approved transaction.

Direct lender

Pros

Applying directly lets you work with your chosen bank without an intermediary.

Considerations

The inquiry is limited to that lender unless you shop elsewhere.

Roles + fee policy

ADI prepares the file. The lender makes the call.

Lender partners underwrite applications, decide whether to approve, set any terms, and fund approved transactions. ADI does not make the lending decision.

Borrowers are not charged an advance fee to obtain a loan. ADI earns a commission or fee from the funding source when a transaction funds.

ADI does not lend or lease in its own name, hold client funds, carry equipment inventory, or guarantee approval or rates.

Next step

Start with the equipment details.

Share basic contact and purchase information with ADI. Do not include credit answers or upload application documents.

Start a financing inquiryRead financing FAQs