Financing · Large Ticket · $250K – $100M+
Large projects are structured, not scored.
Multi-asset packages, project costs, and longer terms stop fitting standard programs somewhere around the seven-figure mark. Large-ticket deals get manual underwriting and documentation to match.
- Calculators show numbers on-page — no email required
- Eligibility check is directional only — no contact details collected
Overview
How large-ticket commercial financing works
Large-ticket covers commercial equipment projects from roughly $1M up through the range this site is built around — $250K to $100M+ — where the top end is measured in packages, not machines. A fleet order. A production line with rigging and installation. An energy infrastructure package with staged delivery. One application form was never going to hold any of these.
Underwriting changes character at this size. Small-ticket programs score an application; large-ticket underwriting reads financial statements, models cash flow against the proposed payment, values the collateral, and negotiates a structure that fits the project instead of forcing the project into a program. Terms can run longer, and structures can flex: seasonal payments, staged fundings against delivery milestones, balloons where the asset supports one.
The honest cost of that attention is time and paperwork. Appraisals, financial packages, and sometimes legal review each add steps that small deals skip. The single biggest factor within your control is a complete file — incomplete documentation is the most common cause of delay at this scale.
Process
Step by step
Scope the project
Assets, vendors, and total cost — including freight, rigging, installation, and other soft costs. A project number, not just a price tag.
Assemble the file
Financial statements, interim numbers, a debt schedule, equipment specs and quotes. Project-based deals add a timeline and, where relevant, projections.
Underwriting and structure
Cash flow is modeled against the payment; collateral is valued; the structure is negotiated. This is the step that separates large-ticket from application-and-score financing.
Review the term sheet
Pricing, term, conditions, and any covenants — insurance requirements, reporting obligations — in writing. Question anything that is not plain.
Document and fund
Legal documentation, filings, and funding — single or staged against milestones, as the structure specifies. The project proceeds on the agreed schedule.
Good fit
When it makes sense
- The project runs $1M or more — a package, a line, a fleet, an installation — not a single small machine.
- Multiple assets or vendors need to fund on one coordinated schedule.
- Cash flow supports the payment, but the structure needs shaping: seasonality, ramp-up periods, staged delivery.
- You can produce real financial statements, not just a summary page.
- The asset base holds long-term value: energy infrastructure, marine and rail equipment, plant machinery, heavy fleets.
Eyes open
Worth weighing
- Documentation is heavier by design: financial statements, appraisals, sometimes legal opinions. Budget real time for assembling it.
- Manual underwriting takes longer than application-and-score programs. The trade is a structure shaped to the project — but it is a trade.
- Covenants can attach at this scale: insurance requirements, reporting obligations, cross-default language. Read every one before signing.
- Transaction costs run beyond the rate — appraisal, documentation, and legal fees are commonly borne by the borrower. Ask for the full fee schedule with the term sheet.
Questions
Asked and answered
Run the numbers. Then decide.
The calculators and the eligibility check show results on the page — no email required, no contact details collected. When the structure makes sense, the application asks for the equipment, the amount, and your timeline. Terms arrive in writing before anything is owed.