Aztec Financial was founded in 1997 to meet the capital finance needs of growing specialty contractors. Since its beginnings Aztec has become the leader in various industries for equipment and vehicle financing. In its mission to help vendors provide a one stop shop experience, Aztec also provides work trucks, vans and box trucks. Aztec can meet all of your vehicle needs including custom shelving and accessories, wraps, protective coatings and more.
We provide multiple financing options:
- Flexible, custom designed leases
- Equipment Finance Agreement (EFA) loans
- Equipment credit lines
Each finance option is then structured, using our industry specific knowledge, to meet the unique needs and goals of the specialty contract business.
What Makes Us Different
When financing, you want a company that understands your business and can get you the best pricing, protection, and flexibility possible for your unique financing needs. At Aztec, we work with each business owner to determine what financing structure, term, and payments will be of the most benefit to their business model. Unlike other finance companies, we consider the whole picture, not just a credit score.
Whether you are a new business that is just getting started or an existing business looking to expand, we have finance structures to fit your business needs.
Protecting your personal borrowing power and business cash flow is important. With Aztec, businesses are able to keep their cash, while still getting the equipment they need. Leases and loans through Aztec are also tax friendly, falling under Section 179 of the US Tax Code and creating additional business savings each year. And, most importantly, commercial finance through Aztec keeps your business and personal finances separate, protecting your personal assets and making sure your personal credit remains available.
Custom Built Financing
While others focus on credit scores, Aztec takes a holistic approach to equipment financing. We consider how long the company has been in business, how many years of experience the owners have in the industry, the total financial strength of the company, and more. This means that having a low credit score or a brand new business won’t stop most business owners from getting financed. We create flexible financing options to make sure even the most credit challenged business owners have a chance to succeed, while giving those with great credit more financing options to choose from.
Our Equipment Credit Line program has been designed to help specialty contractors get equipment when they need it the most, with minimal hassle or documentation required. By pre-qualifying for an Equipment Credit Line the business can withdraw equipment purchase funds as they are needed. No more last minute scrambles for documentation and no more worry over whether or not the financing will be approved. We make it easy to buy what you need.
Seasonal and Skipped Payments
Business can come and go in waves, especially in companies that experience a high degree of seasonality. When business slows down, we’re here to make sure your company keeps going. Aztec understands and helps business owner get through slow periods by offering Seasonal and Mulligan payment programs.
- Seasonal Payments – Choose three months, which do not have to be consecutive. Those months will have a lower payment each year throughout the life of the contract.
- Skip-It Payments – This program is designed to let business owners skip one payment of their choice per year. This plan is perfect for business owners who like to take a month off, or are just starting up and are unsure about seasonality. If you choose not to use an available Skip, you’ll pay off your loan or lease that much faster.
Purchasing equipment is a huge investment for any business. We help you protect that investment by offering a great commercial insurance product through our Asset Protection program. This program is based out of our Utah location, which means we provide coverage on everything from freezing to hurricanes without the high costs associated with living in a high risk area. Our Asset Protection can be added to your equipment financing, or we can work with your current insurance provider to make sure your business is protected.
Since 2006, Aztec has offered quality vehicles at great prices. By partnering directly with the manufacturers and participating dealerships, we have been able to save specialty contractors THOUSANDS of dollars on their commercial vehicles. We offer a selection of Chevy cargo vans, RAM ProMaster vans, and custom box trucks that have been specially designed for the needs of our customers. Starting in 2018, we also began offering work trucks, with the same great discounts and rebates you’ve come to expect from our van line.
Additionally, we offer specialty up-fits on our Aztec Fleet vehicles. Up-fits include spray liner, protective flooring and walls, internal and external LED lighting, specialty shelving, graphics, wraps, and more. These up-fits can be installed at our Fleet Distribution Center, providing you with a fully up-fitted and wrapped vehicle that is delivered right to your door.
We offer an extended service agreement through the manufacturer, providing bumper-to-bumper coverage for 5 years or 100,000 miles. This is the best warranty on the market, especially for vehicles with truck mounts that may be prone to additional wear and tear.
Think you’ve found a better deal on your truck, van, or box truck? Call us! We won’t be beat!
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