Flexible Wattman Train Financing That Pays Off Fast

Yes. Most Wattman customers choose to finance. Financing allows you to spread the cost over 24 to 60 months with fixed payments. At the end of the term, you fully own the train — no balloon payment, no surprise buyout.

In most cases, financing can cover 100% of the total project cost, including:

• The train itself
• Transportation and delivery
• Taxes and fees
• Installation and accessories

Everything is bundled into one predictable payment, preserving your working capital.

Yes — for businesses with 2+ years in operation and strong credit, $0 down is often available. If you’re newer or still building credit, a small down payment may be required.

We partner with multiple trusted lenders, including Ascentium Capital, Broad Fit Financial, and Advantage+, to find the best option for your business. You always receive transparent terms, and we’ll guide you through every step.

No. Pre‑qualification is completely optional, carries no obligation, and uses a soft credit check only. You decide whether to proceed after reviewing the offer.

No — pre-qualification only uses a soft credit check, so there’s no impact on your credit score. If you decide to proceed with the full application, a standard credit check may be conducted with your approval.

Most applications receive a decision within 2–4 business days. For financing amounts under $300,000, a completed application is often enough to generate an approval.

Requirements vary based on how long your business has been operating. Below is a clear breakdown so you know exactly what to expect.

Typically required:

• Completed and signed application
• Ownership details for anyone owning more than 20%
• Public business credit history (prior loans of similar size)
• Reasonably good personal credit of all owners
• No recent liens, bankruptcies, or major credit issues
• All owners are U.S. citizens
• No criminal or public records indicating poor judgment

Additional documents are only required if the deal exceeds $300,000, at which point lenders may request:

• Last 2 years of business tax returns
• Last 3 months of business bank statements

For most standard transactions, the application alone is sufficient.

Businesses Operating for Less Than 2 Years

Typically required:

• Completed and signed application
• Income statement and balance sheet
• Any available business tax returns
• Last 3 months of business bank statements
• Reasonably good personal credit
• No recent liens, bankruptcies, or major credit issues
• All owners are U.S. citizens

We’ll help you compile exactly what’s needed — nothing more.

New Businesses or Pre‑Opening Ventures

If your business has not yet opened, lenders typically ask for:

• Completed and signed application
• Last 2 years of personal tax returns (owners with 20%+ ownership)
• Personal Financial Statement (PFS)
• Account statements supporting the PFS
• Opening balance sheet with any existing business debt listed
• Copy of the location lease (if applicable)
• Business plan including bios showing at least 3 years of relevant industry experience

This process may sound extensive, but we guide you step by step.

That’s common. Because we work with multiple financing partners, we can often match your profile to the lender best suited to your situation.

Yes. We support municipalities, public parks, school districts, and other government entities with specialized financing programs, including:

• Annual or multi‑year payment schedules (instead of monthly)
• Favorable public‑sector terms
• No personal guarantees
• Procurement‑friendly structures

We coordinate directly with your procurement or finance department.

Yes. Many programs offer seasonal or deferred payments, allowing you to start generating revenue before payments begin — often up to 90 days.

Yes — early payoff is possible. In most cases, you can settle your balance early without penalties. Let us know upfront, and we’ll help structure the plan accordingly.

Absolutely. Many customers return to finance a second or third train. Your strong payment history can even simplify future approvals.

Once your final payment is made, you fully own the train — no surprise buyout or residual costs. It’s a true ownership model.