All I can tell you is that if you ask a bank for equipment financing, it goes to a higher level than the branch - they consider it a 'high risk' business. I've researched it before, it ranks in the top 5.
Unless you're in good with your banker. I wrote a check (that I couldn't cover) for my truck, then went to the bank and threw the title up in his desk. Me: "I bought this truck yesterday." Banker: (big sigh) "How much do ya need this time?" BUT, I've banked there ever since they opened. Paid off too many loans to count. Plus I got a good deal on this truck and he knew it. And I had a hefty down payment. But yeah, you're right. It's considered high risk in most instances.
