Darrell Pardy — Founder of IronFinance

Why Darrell started IronFinance

I started IronFinance because contractors kept running into the same wall. They had the work lined up, they knew the equipment they needed, and the bank still said no. Sometimes the credit was a little soft. Sometimes the business was too new. Sometimes the equipment was too old, or too many hours, or in a category the bank simply did not want on its books. The contractor walked away with no machine, no job, and no way to build the next deal.

IronFinance is built around one idea: a higher-rate financing deal is not a worse deal than no deal. If a private lender approval at 14% gets you the excavator that pays for itself in the first month of work, that is the deal that moves your business forward. The bank prime rate is irrelevant when the bank already said no. The first piece of equipment that actually works for you is what builds the credit history, the cash flow, and the relationships that get you to a better rate on the next deal.

I have spent years working in the equipment industry, which gave me a clear view of what contractors are buying, what dealers are listing, and where deals fall apart. Most of the time it is not the equipment that kills the deal — it is the financing. That is the gap IronFinance is built to close.

The guides on IronFinance are written for the contractor who needs a real answer before applying — what credit score actually matters, what private lenders genuinely charge, what age and hours a non-bank lender will still finance, and which lender is the right one to call when the bank declines. The goal is simple: get you matched with the lender that says yes, get the equipment working, and get you to the next job.