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Smarter Finance USA Blog

Smarter Finance USA Educational Resources

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3 min read

Can You Qualify for Logging Equipment Financing?

If you've driven anywhere over the past year or so, you may have noticed something...

Everywhere you look, there's a lot of construction going on.

Houses are being built like crazy, which means builders need a lot of wood. When the houses are built...

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4 min read

How Much Does Commercial LED Lighting Financing Cost?

If you're thinking about upgrading to LED lighting to save money, you're probably wondering how much you'll actually save, right?

It should be pretty simple to figure out - just take your current power bill, figure out the new power bill with new...

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4 min read

Daily Payment Loans For Your Business: Do They Ever Make Sense?

Have you ever looked into a "daily payment loan" for your business?   

Daily payment loans are products like some "working capital loans" or "merchant cash advance" products in the marketplace where you end up paying back some enormous amount of money...

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3 min read

Used Truck Financing: How to Finance Older Trucks

If you're in the trucking business, you probably want to be successful, right?

Whether you're running a dump truck, a semi, or a water truck, you've got to make sure the numbers work, or else you won't be driving your own truck for very long.

A lot of...

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6 min read

Food Concession Trailer Financing: How to Qualify for a Loan

Have you always dreamed of starting your own restaurant, but know you'll never be able to come up with half a million dollars to do it?

Concession trucks and trailers can get you in business for about a tenth of the cost of starting a restaurant.  


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8 min read

Truck Financing: How to Avoid Being Ripped off for $7,300+

Are you looking for truck financing?

You probably want to avoid getting ripped off, right?

Maybe you check out some companies online...

Did you know that some companies with an A+ BBB rating...

Show up all over complaint websites like

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6 min read

Commercial Truck Financing for Good Credit, Bad Credit and Startups

If you're trying to get the information you need about commercial truck financing you may be having some difficulty.

The big problem in the truck financing industry -  some people that run financing companies learned early on in their career that if you...

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7 min read

Food Truck Financing: How to Qualify to Lease a Food Truck

Food trucks are awesome.

Maybe you are considering entering the food truck business for one simple reason: startup costs and operating expenses for a food truck are a fraction of the costs to open and run a restaurant...

The problem: you probably don't...

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5 min read

Tow Truck Financing: Rates, Requirements & Down Payments (2021 Update)


Tow truck financing (or leasing)...'s pretty hard to find good information on the internet, right?

If you want to learn how to get qualified to lease or finance a tow truck...

(whether it's a wrecker, a rolloff, a rollback, or anything...

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14 min read

Ultimate Small Business Loans Guide: 59 Ways to Fund Your Business

When I talk to small business owners, they've usually heard of a few ways to apply for small business financing. Occasionally, an article will come out that lists 5 (or sometimes 10) ways to get a small business loans. 

The truth is that there are ...

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How P2P Lending Works for Small Businesses [Infographic]


Are you having a tough time securing the capital you need to grow your business? 


Sure, there are plenty of small business "lenders" out there ready to give you a loan at 100% interest rates, but have you looked into the "other" alternative...

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5 min read

Used Semi Truck Leasing for Owner Operators: What are the Costs?

Getting a new truck?

(Well... new ... to you... right?)

Your big question:

How much does this cost?

The truth is... 

You need to know how much your truck payments will be. 

That way you can figure out if the truck is worth it. 

Bonus: If you hate...

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8 min read

The Best Small Business Funding Option You've Never Heard of

Today I'm going to show you a real funding option for a real small business.

A real small business - not like the banks or the government define it (500 employees or fewer) but how actual people define it.

You can have your money in a week, with no...

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10 min read

15 Ways to Access Small Business Startup Loans

Are you thinking about starting a business, or have you recently started a new venture? 

You certainly aren't alone. In fact, 543,000 small businesses are started in the United States every month

That's the good news. Less good: half won't make it...

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Backhoe Leasing Rates: How Much Will Your Payments Be?

4 min read

Backhoe Leasing Rates: How Much Will Your Payments Be?

With construction demand growing steadily, the amount of people we talk to who need to finance construction equipment such as backhoes is growing as well.

The vast majority of companies purchasing construction equipment will end up financing, and many...

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How Much Does It Cost to Finance or Lease a Bulldozer?

2 min read

How Much Does It Cost to Finance or Lease a Bulldozer?

Bulldozers are one of the more expensive pieces of equipment folks ask about. 

That makes the process sometimes different than some other heavy equipment we talk about. 

Before we get started, if:

  • You have credit over 700... and...
  • You aren't a...
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4 min read

Leasing Caterpillar Equipment: Costs, Prices and Other Variables

We field a lot of calls from people that are looking into buying Caterpillar equipment.

Hardly anyone has the cash to buy equipment from Cat without financing it.

Cat Finance offers 4.99% and sometimes lower rates on used equipment, but they will not...

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4 min read

What are Heavy Equipment Finance Rates?

We talk to quite a few folks about heavy equipment finance.

The question we get most often, and usually first, is, "What are the rates?"

The answer is always the same.

Heavy equipment finance rates depend on your situation.

A lot goes into the costs...

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4 min read

Dump Truck Financing: What are Your Options?

So, you need to finance a dump truck…

… but your credit isn’t so great…

Note: If your credit is not so bad, you may want to check out our Ultimate Guide to Dump Truck Financing 

You already know buying your own dump truck is WAY better than driving for...

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