Why Finance a Private Seller Purchase with Axe?
Found the right piece of used equipment from a private seller? Axe makes it easy to purchase equipment directly from owner-operators or another business, with flexible financing options and a straightforward process.
Buy Direct
Purchase used equipment from an individual, owner-operator or another business, not just a dealer.
Flexible Financing
Financing programs for a range of credit profiles, including businesses with less-than-perfect credit.
Used Equipment Specialists
We understand the value of quality used equipment and make it easy to finance for your business.
What Equipment Can You Finance?
We finance a wide range of used business equipment purchased from private sellers, including:
Excavators & Earthmoving
Excavators, backhoes, dozers and other earthmoving equipment.
Skid Steers & Loaders
Skid steers, compact track loaders and wheel loaders.
Dump Trucks & Specialty Equipment
Dump trucks, wood chippers, stump grinders, concrete pumps and other essential business equipment.
How Private Seller Financing Works
- 1
Apply Online
Submit a quick application with basic information about your business and the equipment you want to purchase.
- 2
Discuss Your Purchase
A funding specialist reviews your request and confirms the equipment details, price and seller information.
- 3
Review Equipment & Seller
We verify the equipment and work with you on any required documentation from the seller.
- 4
Finalize Sale Details
We structure the financing terms that fit your business and the equipment purchase.
- 5
Sign Documents
Complete the financing paperwork electronically, fast and convenient.
- 6
Funding & Pickup
Once documents are complete, we fund the purchase so you can take delivery of your equipment and get to work.
Buying From a Private Seller: What to Check
A private-party purchase can save you money, and Axe takes on the paperwork-heavy parts for you. Here is how we handle title, liens and payment, plus what to look at yourself when buying used equipment directly from an owner.
Title & Liens Handled for You
Axe checks title, ownership and liens for you. If the seller still owes money on the equipment, it does not need to be paid off first. At funding, Axe pays off the seller’s lender directly and sends the remaining balance to the seller, so you get clear ownership without the hassle.
Inspect the Equipment
Check hours, maintenance records, leaks, wear on tracks or tires, and how it runs under load. Serial numbers on the machine should match the seller’s paperwork.
Get a Bill of Sale
A written purchase agreement or bill of sale should list the buyer, seller, price, equipment description and serial number, signed by both parties.
We Wire the Seller Directly
Whether it is a dealer, private seller or auction, Axe handles all the wiring information and sends the funds directly to the seller at funding. It is one less thing for you to worry about, and both sides get a clear, documented transaction.
Private Seller Financing FAQs
Can I really finance equipment from a private seller?
Yes. Axe considers eligible used equipment purchased directly from individuals, owner-operators and other businesses, subject to credit and equipment review. Once your financing is funded, we send the funds directly to the seller.
What information do you need about the seller?
We generally need the seller’s contact information, the equipment description, the purchase price and the documents needed to verify ownership and complete the sale, such as a purchase agreement or bill of sale.
Do you finance older or used equipment?
Yes. Used equipment is a core part of our programs. Eligibility, age and mileage requirements vary by equipment type.
Can I finance a used excavator or skid steer from a private party?
Yes. Eligible excavators, skid steers, compact track loaders and other business equipment may qualify for private-party financing.
Can I qualify with less-than-perfect credit?
A lower credit score does not automatically rule out financing. Down payment and other requirements depend on the full transaction.
How quickly can a private-party purchase be funded?
Some applications may receive a same-day decision. Funding depends on approval, documentation, seller verification and transaction details.
Buying from a dealer or auction instead? See our guide to financing used heavy equipment
Ready to Finance Your Equipment?
Get the used equipment you need, from the seller you choose, with flexible financing from Axe.
APPLY NOW →