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Vadim Minchuk

COMMERCIAL EQUIPMENT FINANCING · NATIONWIDE

Get Your Truck Financed
Get Moving

We’re not a bank or a dealer — we’re your access to 50+ lenders,
and we know which one is right for your deal. Trucks, trailers,
and construction equipment financed nationwide.

For Owner-Operators, Growing Fleets & First-Time Buyers

Sharp Logo TWBG_Official
Menu

COMMERCIAL EQUIPMENT FINANCING · NATIONWIDE

Get Your Truck Financed
Get Moving

We’re not a bank or a dealer — we’re your access to 50+ lenders, and we know which one is right for your deal. Trucks, trailers, and construction equipment financed nationwide.

For Owner-Operators, Growing Fleets &
First-Time Buyers

2015

Licensed Brokerage since

5000+

Deals
Closed

50+

Lenders in Network

99%

Approval
Rate

2015

Licensed brokerage since

5000+

Deals closed

50+

Lenders in Network

99%

Approval Rate

WHAT WE FINANCE

From your First Truck to your Growing Fleet.

From your first truck to a growing fleet, we match the deal to a lender that actually wants it.

VEHICLES

Truck & Trailers

Semi-trucks, box trucks, dump trucks, tow trucks, dry van, reefer, flatbed, and car hauler trailers.

MACHINERY

Construction & Specialized Equipment

Financing for construction machinery and specialized commercial equipment across industries.

CAPITAL

Working Capital & SBA

Business cash loans, SBA loans, Equipment credit lines, and accounts receivable financing.

PROTECTION

Gap Insurance

Cover the gap between what you owe and what your equipment’s worth if it’s totaled or stolen.

PROTECTION

Extended Warranty

Keep repair costs predictable well past the factory warranty window.

DEAL TYPES

Dealer & Private Party

Including private-party deals with an active lien — we handle the payoff and release.

ANY PURCHASE

Buying from a Dealer or a Private seller? We finance both!

Whether you’re buying from a licensed dealer or a private seller — even if there’s still 
a loan on it — we know how to structure the deal and get it funded.

HOW IT WORKS

Three Steps
From Application to Keys

1

Getting started

We’ll just need a copy of your license, along with the invoice and spec sheet for the equipment you’re looking at.

2

Finding your lender match

Out of 50+ lenders, we know exactly who’s most likely to approve your deal and get you the best terms.

3

Getting you financed

We handle the funding and the title work — often within days, not weeks.

First-time Buyer Program

Never financed equipment before?
That’s exactly who this is for!

Banks weigh commercial credit history heavily — so first-time buyers usually see a higher down payment and rate than repeat owners. It doesn’t mean no. It means the right program and lender matter more.

Paying down early and putting more down up front cuts your interest
overpayment fast — something our first-time buyers ask about constantly.

Down payment

Commercial credit history

Investor deals (no CDL)

Work permit holders

Green card holders

Varies by Profile

Not required

Available

Eligible

Eligible

First-time Buyer Program

Never financed equipment before? That’s exactly who this is for!

Banks weigh commercial credit history heavily —so first-time buyers usually see a higher down payment and rate than repeat owners. It doesn’t mean no. It means the right program and lender matter more.

Paying down early and putting more down up front cuts your interest overpayment fast — something our first-time buyers ask about constantly.

Down payment

Commercial credit history

Investor deals (no CDL)

Work permit holders

Green card holders

Varies by Profile

Not required

Available

Eligible

Eligible

IMG_4940

WHO YOU’RE WORKING WITH

Meet Vadim

I’ve spent over a decade in the commercial truck industry — shop management, service, parts, warranty, dispatch, safety, and truck sales. 

There isn’t much about this business I haven’t seen from the inside. I’ve sat across the table from first-time buyers and growing fleets alike, and I know exactly what it takes to get a deal done right, not just approved.

Now I help fleets and owner-operators get financed. I’ve seen this industry from every angle, and I want to help you get the deal that’s actually right for you and your business.

WHAT CLIENT SAYS

Real reviews from real deals.

Straight from our Google reviews — no edits, just the good ones.

⭐⭐⭐⭐⭐

“I have already bought over 15 trucks and trailers through their financing! The team works quickly, accurately and very competently!”

Vick · Local Guide, Google review

⭐⭐⭐⭐⭐

“As first-time buyers seeking a commercial loan, Larisa and Elena were absolutely amazing throughout the entire process.”

Olga R. · Google review

⭐⭐⭐⭐⭐

“We financed several trucks through this company, and the process was smooth and professional. Great service, fast communication.”

Katia P. · Google review

⭐⭐⭐⭐⭐

“Best of the best!!!” — Sharp reply: “I was happy to assist you buying your very first truck and become a business owner!”

Kirk G. · Google review

COMMON QUESTIONS

What people ask before they call

Why are your approvals better than a dealer’s financing?

Dealers typically work with 3-5 banks and submit to only 1-2 per deal. We have access to 50+ lenders and know which ones fit your specific profile — for the same client and truck, rates can vary significantly between lenders.

Will applying with multiple lenders hurt my credit?

No. We strategically submit to just 2-3 carefully selected lenders based on your profile, so you get strong options to compare without excessive inquiries.

How long does the process take?

Typically 1-2 business days to get terms once we have your complete application, and about a week to close. In some cases we can close in as fast as 3 days.

How much down payment do I need?

It depends on your credit profile, loan type, and the equipment’s value and age. We’ll walk you through your real options and help structure a plan that works for your business.

GET STARTED

Tell us what you’re financing.

Send the basics and Vadim will call you back — usually the same day.

(916)342-7317
Vadim@sharpfinservices.com

GET STARTED

Tell us what you’re financing.

Send the basics and Vadim will call you back — usually the same day.

(916)342-7317
Vadim@sharpfinservices.com
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