TopMark FundingReviews of topmarkfunding.com

I reached out to Top Mark to get financing for a box truck. The process started off fine, got the requested information and was approved for financing. Found a truck and sent the information over to my agent, a gentleman by the name of Brian St. Louis. The response I go back was that they don't do financing for Penske trucks, or at least they wouldn't do it for me, which was a huge surprise since Penske is one of the biggest used truck sellers, and somehow that never came up in conversation previously. So I replied to his email asking what other companies they don't do business with. I didn't get an email back but did get a phone call, and this is where it went downhill. He asked what my question was, and I repeated what was in my email, and his response was, "Well there are a lot of companies we don't work with, like 20 or something, you can't expect me to tell you all of them, that would just be a waste of my time." I commented that Penske was a pretty big one so are there others I should be aware of, or is there a list he could just email me, I just didn't want to waste my time looking at companies they don't work with? He said there was nothing he could send and that I wasn't wasting my time because I only sent him one truck and there are literally thousands for sale. I guess at this point he realized I may be too difficult to work with and then proceeded to say that maybe I would be better suited working with a different financing company. I calmly and politely ended the conversation, but obviously I will not be working with this company. Or so I thought until I met Tyler Davis. He was introduced to me through Ryder and Tyler saved the day. He was informative and presented a deal that Brian never mentioned. Fast forward two weeks and I own a truck that Tyler helped me to get. Thanks Tyler.

1) Why do you need a broker? Google equipment financing and save the money. You're literally paying someone to find you someone else to pay. 2) If you do decide you need to use a broker make sure everything is included in the financing. My TM rep brokered a deal that did not include sales taxes on the tractor I bought and when I went to my local tax collectors office to do the title transfer they asked if I bought a check for $4,000.00 for unpaid taxes. (Sure, I have a piece of equipment that's been sitting now for 3 weeks unable to generate revenue let me just reach down into my deep pockets and get that for you!) 3) If they set you up with Amur understand I wouldn't recommend you use them. They are extremely rigid. Also know that their titling process could take a couple of weeks, the clock started ticking on your contract the moment they received a copy of it from TM and they don't care how long it takes you to put that equipment to work or what your particular circumstances are. I have given this review much thought and I am trying to be fair and only hold TopMark responsible for what they are responsible for. The mistake of oversight made with the sales tax was that of the broker. It is your responsibility to make sure the deal is done right. You handled all paperwork between the dealer and the finance company and in my opinion should have inquired to the dealer as to the term "IRP exempt" entered on the sales tax line of the sales order. I cannot in good conscience give you a "great or excellent" rating when this a real cost to me that at this point you can do nothing to remedy it.

Thanks to Andrea and her service she is a pleasure to deal with. pretty smooth process in general