ATTENTION: Business Owner

Get the vehicle or equipment you need now and pay for it over time!

Get Pre-Approved for Equipment Financing in Minutes—Without Hurting Your Credit

Equipment and vehicles

✅ Financing for all equipment types

✅ Fast approvals, competitive rates

✅ Flexible terms to fit your budget

Watch the video BELOW TO See how this works!

Whether you're purchasing a truck, trailer, or work vehicle - we make it fast, flexible, and personal. Approvals typically in 24 hours.

We've helped hundreds of companies find the best option, and I'd love to do the same for you.

Michael Mercer, Hil Financial

Michael Mercer, Hil Financial

20+ Years Experience with Thousands of Successful Clients!

I'm Michael Mercer, an independent financial service provider with Hil Financial, and I specialize in helping businesses secure financing for essential heavy equipment and trucks.

Here's how I help:

  • Soft Credit Pull – See your options without impacting your score
  • Fast Turnaround – Most approvals come in within 24 hours
  • Flexible Programs – We work with startups, sole proprietors, and established businesses
  • Direct Contact – You’ll talk to me directly—not a call center
  • Creative Solutions – We ask better questions and find smarter ways to get you funded

With a focus on building strong relationships, I’m here to help you invest in the equipment you need to take your business to the next level.

What Our Customers Say

Google Reviews
4.7★★★★★(216)

AI-Generated Summary

Based on 216 Google reviews

★★★★★

  • Clients appreciate the friendly and professional demeanor of the staff.
  • The financing process is noted for its speed and efficiency, often completed in just days.
  • Clear communication and personal connections with representatives enhance the overall experience.

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Pedro Garcia
6 months ago

★★★★★

Exceptional service from start to finish. This company went above and beyond to help me finance multiple pieces of equipment, always securing the best possible rates. Their team is knowledgeable, responsive, and truly committed to customer success. Huge thanks to Michael and Jagger — your support made all the difference. Highly recommend!
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kymani hut
5 months ago

★★★★★

Thank you to Michael, Sam, and Jagger on assisting me on getting a truck from MHC ken-worth. The process was easy has most of the work was completed by their team with some intervention from us on signing paperwork. I greatly thank the Hil financial team and highly recommend them to individuals buying their first or second truck.

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B P
8 months ago

★★★★★

Great experience! Michael, Sam and Jagger have assisted me with my most recent commercial financing. They have been very informative and efficient in communication, everything went very smooth and I am very happy with their service overall and I will definitely be back to work again with them in the near future. I recommend HIL financial to everyone looking to start or to continue to expand their work fleet and to look for similar commercial deals with them.
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Eustoquio Agustin Jr
5 months ago

★★★★★

I recently bought a semi truck using Hil Financial. Michael, Sam and Jagger helped me all the way through the process. Any questions or concerns they answered to the best of their knowledge. Thank you for helping me get my truck and working with me. I recommend them and I know they will help you the same way as they did with me.
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PIER TRANSPORTATION INC
1 year ago

★★★★★

Hi michael Mercer
Firstly i would like to thank you for your financing services nd it's been really great experience with your organization. Financing process was easy nd smooth. financing was quickly processed.

will surely recommend your services to others :)
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33L 30vL
6 months ago

★★★★★

Learned a lot during the process of adding a rig to my business.. I Highly recommend working with these guys.. Michael, Sam, and Jagger made sure I was taken care of from the beginning to the very end..

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Gabriel Zacretchi
1 year ago

★★★★★

I had a great experience working with Michael Mercer and his team for commercial truck funding. The process was smooth and straightforward, with clear communication every step of the way. They offered excellent rates and were very responsive to all my questions. I highly recommend them for anyone needing commercial funding!
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STILL NOT SURE?

Frequently Asked Questions

These FAQs cover essential aspects of equipment financing that are likely on your mind.

What types of equipment can I finance through your services?

You can finance a wide range of equipment, including but not limited to trucks, trailers, construction machinery, landscaping tools, and utility vehicles. If your business relies on specific equipment to generate revenue, I can help you secure the financing needed to acquire it.

How quickly can I get approved for equipment financing?

I understand that time is of the essence for your business. In most cases, I can secure approval within 24 hours, allowing you to move forward with your equipment purchase without delay.

Will financing affect my personal credit?

My goal is to protect your personal credit while helping you build your business credit. I offer financing solutions that keep your personal finances separate, so you can grow your business without adding personal debt.

Do I need to have perfect credit to qualify?

Not at all! I work with businesses in a variety of financial situations. Whether you have excellent credit or some challenges, I offer flexible financing options that are tailored to fit your specific needs.

What is the process for applying for equipment financing?

The application process is straightforward. Simply reach out to me, and I’ll guide you through the necessary steps. We’ll discuss your business needs, review financing options, and work together to find the best solution. Once approved, you can start using your new equipment to grow your business right away.

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