The questions we get every week, answered without the hedging.
Does applying affect my credit?
It depends on the path. At checkout, the BNPL providers run their own check — what
kind, and whether it shows on your report, is their policy and it's disclosed to you
inside their flow before you agree to anything. For Approve:
Applying may not affect your personal credit. Certain offers, and any personal guarantee, can require a personal-credit inquiry.
We won't guess at this on your behalf — read the disclosure the lender shows you.
Am I guaranteed to be approved?
No, and anyone telling you otherwise is selling something. Both paths are applications
underwritten by a third party. We don't see approval odds, we don't influence the
decision, and we don't have a back channel. What we can do is make sure you're
applying for the right equipment at the right number.
What do I need to apply?
For checkout financing: whatever the provider asks for in their flow — typically it's
quick and done on the payment screen. For Approve:
It starts as a short application, not a bank-style document pack: legal business name and DBA, address, entity type, EIN, time in business, annual revenue, the amount you want, the equipment quote, and owner details. Afterwards they commonly ask for photo ID, a voided business check, three to six months of business bank statements, and — on larger requests or newer businesses — a tax return and a year-to-date P&L.
Having your equipment list finalized first saves a round trip, which is why we scope it
with you before you apply.
How long does it take?
Checkout financing is decided in the moment — you'll know before you place the order.
Approve is an underwritten application:
usually within 24 hours
Plan your build-out timeline around the decision plus the 6–8 week lead time on
made-to-order equipment.
Can I finance installation and freight, not just the machine?
Install is scoped separately on purpose — it depends on your space, power, and layout,
so we don't bury a guess in the price. Whether that scope can be rolled into the
financed amount:
Yes — install and freight can both be rolled into the contract.
Ask us while we're scoping and we'll tell you what's possible before you apply.
Can I finance a refurbished or open-box unit?
Yes. Approve's lender network finances new, used, refurbished and open-box equipment.
Refurbished units are local, fully serviced, and ship in days — they're often the
fastest way into a room on a smaller budget.
See what's in stock.
What does Core get out of this?
We sell you the equipment. The financing partner handles the money. We have a
partnership with Approve so the process is smoother for our buyers than applying cold —
that's the extent of it. We are not the lender and we are not a broker of your loan.
Do I have to finance at all?
No. Every price on the site is listed and every machine is buyable outright — no
"call for pricing." Financing is an option, not a funnel.
