Most applications receive a decision within 24 – 48 hours. Some approvals may be even faster, depending on the program and documents submitted.

Yes! Sharp Financial Services, LLC works with all credit types, including good, challenged, or no credit. We specialize in finding financing solutions tailored to your unique situation to help you get approved quickly.

Yes! We work with startups, small businesses, and established companies. Even if your business is new or has limited credit history, we’ll help explore the best options available for you.

We offer flexible business loan options to support working capital, expansion, inventory purchases, and day-to-day operations for small and growing businesses. Our loans are tailored to meet your specific business needs.

Absolutely. We offer financing for both new and used trucks, trailers, and commercial equipment. Whether you’re looking to purchase a single truck or expand a fleet, we can provide flexible options.

Down payment requirements vary depending on your credit profile, loan type, and equipment value. Our team will guide you through your options and help structure a plan that works best for your business.

Requirements vary by program, but commonly requested documents include:

• Valid ID

• Business information

• Recent bank statements

• Equipment or vehicle details (if applicable)

Our team will guide you step by step and keep the process simple.

We offer Extended Warranty Plans that provide additional protection beyond standard warranties, along with customized coverage options tailored to your specific assets and business needs.

A: GAP insurance is highly recommended for anyone financing or leasing a vehicle or equipment, particularly if:

• You made a small down payment and want protection against unexpected losses

• You are purchasing a new or high-value truck, trailer, or commercial equipment

• You want peace of mind knowing you won’t be left responsible for any remaining loan balance in the event of a total loss

Funding can often be completed in as little as a few days once all documents are submitted and approved. We strive to make the process fast and simple so you can get your equipment without unnecessary delays.